Ford F-250 Super Duty Insurance Rates

Estimated auto insurance rates for a Ford F-250 Super Duty are $1,298 annually including full coverage. Comprehensive costs around $228 each year, collision costs $356, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,804. 16-year-old drivers pay the most at $5,108 a year or more.

Average premium for full coverage: $1,298

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

These rate differences highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $771
• Using higher $1,000 deductibles will save about $132 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,298
• Buying low deductibles for physical damage coverage will cost $1,554
• Drivers with multiple tickets or accidents could pay at least $2,804 or more
• An auto insurance policy with full coverage for a teen driver can be $5,108 or more

View Chart as Image

Insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $390 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheaper Ford F-250 Super Duty Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at least every other year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the car insurance concepts touched on above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,510 more every year for car insurance
• You may be able to save up to $150 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $400 each year
• Policyholders who may need higher liability limits will pay around $590 per year to increase from 30/60 bodily injury limits to higher 250/500 limits