Ford F-250 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-250 Super Duty are $1,226 annually including full coverage. Comprehensive insurance costs an estimated $206, collision costs $300, and liability insurance is estimated at $540. A liability-only policy costs approximately $592 a year, with high-risk insurance costing $2,642 or more. 16-year-old drivers cost the most to insure at $4,880 a year or more.

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save approximately $116 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,226
• Buying pricier low deductibles for comp and collision coverage costs an additional $220 a year
• High-risk insureds with multiple tickets or accidents could pay up to $2,642 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,880 each year

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

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,100 extra every year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers ranges anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $340 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $537 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford F-250 Super Duty insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied between companies.

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 Buy the Best Ford F-250 Super Duty Insurance

Finding cheaper rates on Ford F-250 Super Duty insurance takes avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief recap of the coverage data covered in the above illustrations.

• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $407 each month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,420 more annually to insure a Ford F-250 Super Duty