Ford F-250 Super Duty Insurance Rates

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UPDATED: May 4, 2024

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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:

Comprehensive $206
Collision $300
Liability $540

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

Using a 40-year-old driver as an example, prices range go from the cheapest price of $592 for just the minimum liability insurance to a much higher rate of $2,642 for a high-risk driver policy.

Liability Only $592
Full Coverage $1,226
High Risk $2,642

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.

Rural Areas $920
Small Cities $1,287
Large Cities $1,655

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

View Chart as Image

Ford F-250 Super Duty insurance cost comparison chart
Column chart showing full coverage Ford F-250 Super Duty insurance prices range from $735 to $4,880

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.

Ford F-250 Super Duty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,108 -$118 -9.6%
Alaska $940 -$286 -23.3%
Arizona $1,018 -$208 -17.0%
Arkansas $1,226 -$0 0.0%
California $1,396 $170 13.9%
Colorado $1,168 -$58 -4.7%
Connecticut $1,256 $30 2.4%
Delaware $1,386 $160 13.1%
Florida $1,532 $306 25.0%
Georgia $1,132 -$94 -7.7%
Hawaii $880 -$346 -28.2%
Idaho $832 -$394 -32.1%
Illinois $910 -$316 -25.8%
Indiana $922 -$304 -24.8%
Iowa $824 -$402 -32.8%
Kansas $1,162 -$64 -5.2%
Kentucky $1,670 $444 36.2%
Louisiana $1,812 $586 47.8%
Maine $756 -$470 -38.3%
Maryland $1,012 -$214 -17.5%
Massachusetts $978 -$248 -20.2%
Michigan $2,126 $900 73.4%
Minnesota $1,026 -$200 -16.3%
Mississippi $1,468 $242 19.7%
Missouri $1,084 -$142 -11.6%
Montana $1,314 $88 7.2%
Nebraska $966 -$260 -21.2%
Nevada $1,468 $242 19.7%
New Hampshire $882 -$344 -28.1%
New Jersey $1,370 $144 11.7%
New Mexico $1,084 -$142 -11.6%
New York $1,290 $64 5.2%
North Carolina $704 -$522 -42.6%
North Dakota $1,004 -$222 -18.1%
Ohio $846 -$380 -31.0%
Oklahoma $1,256 $30 2.4%
Oregon $1,122 -$104 -8.5%
Pennsylvania $1,166 -$60 -4.9%
Rhode Island $1,634 $408 33.3%
South Carolina $1,110 -$116 -9.5%
South Dakota $1,036 -$190 -15.5%
Tennessee $1,070 -$156 -12.7%
Texas $1,476 $250 20.4%
Utah $906 -$320 -26.1%
Vermont $838 -$388 -31.6%
Virginia $734 -$492 -40.1%
Washington $944 -$282 -23.0%
West Virginia $1,122 -$104 -8.5%
Wisconsin $848 -$378 -30.8%
Wyoming $1,090 -$136 -11.1%

View Chart as Image

Ford F-250 Super Duty insurance rates by U.S. city

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

Ford F-250 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-250 XL 2WD $1,130 $94
F-250 XL Cabela Package 2WD $1,174 $98
F-250 XL Super Cab 2WD $1,174 $98
F-250 XLT 2WD $1,174 $98
F-250 XL Harley Edition 2WD $1,196 $100
F-250 XL 4WD $1,230 $103
F-250 XL Crew Cab 2WD $1,196 $100
F-250 XL Super Cab Cabela Package 2WD $1,196 $100
F-250 XLT Super Cab 2WD $1,196 $100
F-250 King Ranch Crew Cab 2WD $1,218 $102
F-250 XL Turbo Diesel 2WD $1,218 $102
F-250 XL Cabela Package 4WD $1,252 $104
F-250 XL Crew Cab Cabela Package 2WD $1,218 $102
F-250 XL Crew Cab 4WD $1,252 $104
F-250 XL Super Cab Harley Edition 2WD $1,218 $102
F-250 XL Super Cab 4WD $1,252 $104
F-250 XLT 4WD $1,252 $104
F-250 XLT Crew Cab 2WD $1,218 $102
F-250 King Ranch Crew Cab 4WD $1,274 $106
F-250 Lariat Crew Cab 2WD $1,240 $103
F-250 Lariat Super Cab 2WD $1,240 $103
F-250 XL Cabela Turbo Diesel 2WD $1,240 $103
F-250 XL Harley Edition 4WD $1,274 $106
F-250 XL Crew Cab Turbo Diesel 2WD $1,240 $103
F-250 XL Crew Cab Harley Edition 2WD $1,240 $103
F-250 XL Super Cab Turbo Diesel 2WD $1,240 $103
F-250 XL Super Cab Cabela Turbo Diesel 2WD $1,240 $103
F-250 XL Super Cab Cabela Package 4WD $1,274 $106
F-250 XLT Turbo Diesel 2WD $1,240 $103
F-250 XLT Super Cab 4WD $1,274 $106
F-250 King Ranch Crew Cab Turbo Diesel 2WD $1,260 $105
F-250 Lariat Super Cab Turbo Diesel 2WD $1,260 $105
F-250 Lariat Super Cab 4WD $1,294 $108
F-250 XL Harley Turbo Diesel 2WD $1,260 $105
F-250 XL Turbo Diesel 4WD $1,294 $108
F-250 XL Cabela Turbo Diesel 4WD $1,294 $108
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $1,260 $105
F-250 XL Crew Cab Harley Turbo Diesel 2WD $1,260 $105
F-250 XL Crew Cab Turbo Diesel 4WD $1,294 $108
F-250 XL Crew Cab Harley Edition 4WD $1,294 $108
F-250 XL Super Cab Harley Turbo Diesel 2WD $1,260 $105
F-250 XL Super Cab Turbo Diesel 4WD $1,294 $108
F-250 XL Super Cab Harley Edition 4WD $1,294 $108
F-250 XLT Turbo Diesel 4WD $1,294 $108
F-250 XLT Crew Cab Turbo Diesel 2WD $1,260 $105
F-250 XLT Crew Cab 4WD $1,294 $108
F-250 XLT Super Cab Turbo Diesel 2WD $1,260 $105
F-250 Cabela Crew Cab 4WD $1,316 $110
F-250 King Ranch Crew Cab Turbo Diesel 4WD $1,316 $110
F-250 Lariat Crew Cab Turbo Diesel 2WD $1,282 $107
F-250 Lariat Crew Cab 4WD $1,316 $110
F-250 XL Harley Turbo Diesel 4WD $1,316 $110
F-250 XL Super Cab Cabela Turbo Diesel 4WD $1,316 $110
F-250 XLT Crew Cab Turbo Diesel 4WD $1,316 $110
F-250 XLT Super Cab Turbo Diesel 4WD $1,316 $110
F-250 Lariat Crew Cab Turbo Diesel 4WD $1,338 $112
F-250 Lariat Super Cab Turbo Diesel 4WD $1,338 $112
F-250 XL Crew Cab Harley Turbo Diesel 4WD $1,338 $112
F-250 XL Super Cab Harley Turbo Diesel 4WD $1,338 $112

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.

Ford F-250 Super Duty Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford F-250 Super Duty $332 $626 $450 $1,588
2023 Ford F-250 Super Duty $320 $610 $470 $1,580
2022 Ford F-250 Super Duty $310 $586 $486 $1,562
2021 Ford F-250 Super Duty $292 $564 $500 $1,536
2020 Ford F-250 Super Duty $282 $524 $510 $1,496
2019 Ford F-250 Super Duty $270 $494 $514 $1,458
2018 Ford F-250 Super Duty $258 $442 $520 $1,400
2017 Ford F-250 Super Duty $242 $408 $520 $1,350
2016 Ford F-250 Super Duty $234 $382 $524 $1,320
2015 Ford F-250 Super Duty $228 $356 $534 $1,298
2014 Ford F-250 Super Duty $210 $330 $534 $1,254
2013 Ford F-250 Super Duty $206 $300 $540 $1,226
2010 Ford F-250 Super Duty $174 $224 $530 $1,108

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 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

Rates by Driver Age

Ford F-250 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $4,880
20 $2,808
30 $1,250
40 $1,226
50 $1,124
60 $1,100

Full coverage, $500 deductibles

Rates by Deductible

Ford F-250 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,446
$250 $1,344
$500 $1,226
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Ford F-250 Super Duty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,226
50/100 $1,457
100/300 $1,606
250/500 $1,994
100 CSL $1,517
300 CSL $1,845
500 CSL $2,083

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-250 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $6,894
20 $4,478
30 $2,670
40 $2,642
50 $2,526
60 $2,502

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.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $66
Homeowner $21
5-yr Accident Free $78
5-yr Claim Free $78
Paid in Full/EFT $46
Advance Quote $55
Online Quote $84
Total Discounts $491
Rate after discounts $735

Discounts are estimated and may not be available from every company or in every state.

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