Ford F-250 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months with full coverage. Comprehensive insurance costs around $210 a year, collision costs $330, and liability insurance is $534. A policy with only liability insurance costs around $588 a year, with a high-risk policy costing $2,714 or more. Teens pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates for type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save about $1,132 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,254
• Selecting low $100 deductibles costs an extra $238 a year
• Higher-risk drivers with serious driving violations could pay at least $2,714 or more
• An auto insurance policy to insure a teen driver can be $4,984

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Car insurance prices for a Ford F-250 Super Duty also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $360 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,700 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes will be substantially 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 Shop for Cheaper Ford F-250 Super Duty Insurance

Finding better rates on Ford F-250 Super Duty insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting quotes from direct companies, and also from several local insurance agents.

Below you'll find a condensed summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $140 per year simply by quoting early and online
• High-risk drivers with multiple at-fault accidents pay on average $1,460 more every year than a low-risk driver
• Increasing policy deductibles could save as much as $350 each year
• Youthful drivers are the costliest to insure, possibly costing $415 per month if the policy includes full coverage