Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,254 a year including full coverage. Comprehensive insurance costs an estimated $210 a year, collision insurance costs $330, and liability is $534. A liability-only policy costs around $588 a year, and high-risk insurance costs $2,714 or more. Teenage drivers cost the most to insure at up to $4,984 a year.

Average premium for full coverage: $1,254

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

More Rate Details

The chart below breaks down average Ford F-250 Super Duty insurance rates for other coverage scenarios.

• The best discount rate is $748
• Raising to $1,000 deductibles will save approximately $1,132 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,254
• Using low $100 deductibles will cost an additional $238 annually
• Drivers who are prone to accidents and violations could pay up to $2,714
• Policy cost that insures a 16-year-old driver can cost as much as $4,984

View Chart as Image

Car insurance rates for a Ford F-250 Super Duty also range considerably based on the trim level of your F-250 Super Duty, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age

Your home state also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $360 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $533 extra every 12 months. 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.

How to Find the Cheapest Ford F-250 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-250 Super Duty consists of avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a recap of the material that was covered above.

• Insureds who want increased liability limits will pay an extra $590 per year to raise from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $415 each month if full coverage is purchased
• Drivers considered higher risk that have major violations or accidents could be charged and average of $1,460 more annually to insure a Ford F-250 Super Duty
• Increasing comprehensive and collision deductibles can save approximately $350 each year