Ford F-250 Super Duty Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 4, 2024
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Average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage. Comprehensive costs around $210, collision insurance costs $330, and liability coverage costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs around $2,714. Teen drivers receive the highest rates at up to $4,984 a year.
Average premium for full coverage: $1,254
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all F-250 Super Duty models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $588 for just liability coverage to the much higher price of $2,714 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.
These examples show why everyone should compare prices for a specific zip code, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows average Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $748
- Using higher $1,000 deductibles will save about $122 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,254
- Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,492
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,714
- The cost that insures a teenage driver for full coverage can be $4,984 or more
Auto insurance rates for a Ford F-250 Super Duty can also vary considerably based on the model of your F-250 Super Duty, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be around 42% to 133% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age
Where you live has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,790 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$120 | -9.6% |
| Alaska | $964 | -$290 | -23.1% |
| Arizona | $1,042 | -$212 | -16.9% |
| Arkansas | $1,254 | -$0 | 0.0% |
| California | $1,430 | $176 | 14.0% |
| Colorado | $1,198 | -$56 | -4.5% |
| Connecticut | $1,290 | $36 | 2.9% |
| Delaware | $1,420 | $166 | 13.2% |
| Florida | $1,572 | $318 | 25.4% |
| Georgia | $1,160 | -$94 | -7.5% |
| Hawaii | $902 | -$352 | -28.1% |
| Idaho | $850 | -$404 | -32.2% |
| Illinois | $934 | -$320 | -25.5% |
| Indiana | $948 | -$306 | -24.4% |
| Iowa | $848 | -$406 | -32.4% |
| Kansas | $1,192 | -$62 | -4.9% |
| Kentucky | $1,714 | $460 | 36.7% |
| Louisiana | $1,860 | $606 | 48.3% |
| Maine | $776 | -$478 | -38.1% |
| Maryland | $1,036 | -$218 | -17.4% |
| Massachusetts | $1,002 | -$252 | -20.1% |
| Michigan | $2,178 | $924 | 73.7% |
| Minnesota | $1,050 | -$204 | -16.3% |
| Mississippi | $1,504 | $250 | 19.9% |
| Missouri | $1,114 | -$140 | -11.2% |
| Montana | $1,348 | $94 | 7.5% |
| Nebraska | $990 | -$264 | -21.1% |
| Nevada | $1,506 | $252 | 20.1% |
| New Hampshire | $906 | -$348 | -27.8% |
| New Jersey | $1,406 | $152 | 12.1% |
| New Mexico | $1,110 | -$144 | -11.5% |
| New York | $1,322 | $68 | 5.4% |
| North Carolina | $724 | -$530 | -42.3% |
| North Dakota | $1,028 | -$226 | -18.0% |
| Ohio | $866 | -$388 | -30.9% |
| Oklahoma | $1,288 | $34 | 2.7% |
| Oregon | $1,152 | -$102 | -8.1% |
| Pennsylvania | $1,198 | -$56 | -4.5% |
| Rhode Island | $1,674 | $420 | 33.5% |
| South Carolina | $1,138 | -$116 | -9.3% |
| South Dakota | $1,062 | -$192 | -15.3% |
| Tennessee | $1,098 | -$156 | -12.4% |
| Texas | $1,512 | $258 | 20.6% |
| Utah | $928 | -$326 | -26.0% |
| Vermont | $860 | -$394 | -31.4% |
| Virginia | $750 | -$504 | -40.2% |
| Washington | $968 | -$286 | -22.8% |
| West Virginia | $1,152 | -$102 | -8.1% |
| Wisconsin | $868 | -$386 | -30.8% |
| Wyoming | $1,118 | -$136 | -10.8% |
Choosing high deductibles could cut rates by as much as $360 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $533 extra every year. View Rates by Deductible or Liability Limit
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $346 | $630 | $440 | $1,596 |
| 2023 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2022 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2021 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2020 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2019 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2018 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2017 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2016 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2015 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2014 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2013 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2010 Ford F-250 Super Duty | $180 | $250 | $534 | $1,144 |
Rates are averaged for all Ford F-250 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Ford F-250 Super Duty Insurance
Saving money on auto insurance requires being a good driver, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Shop around at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a condensed summary of the data touched on in this article.
- Consumers who may need an increased level of liability coverage will pay about $590 each year to increase from a minimum limit to the 250/500 level
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $350 each year
- Drivers age 16 to 20 are expensive to insure, costing as high as $415 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,984 |
| 20 | $2,890 |
| 30 | $1,286 |
| 40 | $1,254 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,384 |
| $500 | $1,254 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,254 |
| 50/100 | $1,490 |
| 100/300 | $1,638 |
| 250/500 | $2,023 |
| 100 CSL | $1,550 |
| 300 CSL | $1,875 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,052 |
| 20 | $4,606 |
| 30 | $2,746 |
| 40 | $2,714 |
| 50 | $2,596 |
| 60 | $2,570 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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