Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage insurance. Comprehensive costs around $206, collision costs $300, and liability costs around $540. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing around $2,642. Teen drivers pay the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Price estimates for individual coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all F-250 Super Duty models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare prices for a specific zip code, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save about $116 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,226
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,446
• Drivers with multiple violations and an at-fault accident could pay at least $2,642 or more
• The price that insures a teen driver for full coverage can be $4,880 or more

View Chart as Image

Insurance prices for a Ford F-250 Super Duty are also quite variable based on the model of your F-250 Super Duty, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be as much as 43% to 136% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

The state you live in has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $537 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite different.

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 Find Cheap Ford F-250 Super Duty Insurance

Getting lower rates on car insurance requires being a good driver, having a good credit score, not filing small claims, and taking advantage of discounts. Shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the information illustrated above.

• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are charged the highest prices, as much as $407 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $325 each year
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,420 more every year than a safer driver
• Policyholders who may need an increased level of liability coverage will pay about $590 annually to increase from a low limit to the 250/500 level