Ford F-250 Super Duty Insurance Rates

Average insurance prices for a Ford F-250 Super Duty are $1,226 every 12 months for full coverage insurance. Comprehensive insurance costs on average $206, collision costs $300, and liability is estimated at $540. A policy with just liability insurance costs approximately $592 a year, with coverage for high-risk drivers costing $2,642 or more. Teens receive the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save around $116 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,226
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $220 every year
• Unlucky drivers with serious driving violations could pay upwards of $2,642 or more
• The cost to insure a teen driver with full coverage may cost $4,880 each year

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Insurance rates for a Ford F-250 Super Duty can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your F-250 Super Duty.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $537 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 136% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Ford F-250 Super Duty insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,650 on average in Michigan, New York, and Florida.

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With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and rates can be significantly 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 the Best Ford F-250 Super Duty Insurance

Saving money on car insurance takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the information raised in the charts and tables above.

• It is possible to save as much as $140 per year simply by shopping early and online
• Teenagers pay higher rates, costing up to $407 per month if full coverage is included
• Increasing deductibles could save as much as $325 each year
• Higher risk drivers who tend to receive serious violations pay on average $1,420 more each year for car insurance
• Policyholders who require higher liability limits will pay approximately $590 annually to raise limits from a minimum limit to a 250/500 level