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 costs around $206 each year, collision costs $300, and liability is estimated at $540. Liability-only insurance costs approximately $592 a year, with high-risk driver insurance costing around $2,642. Teens cost the most to insure at $4,880 a year or more.

Average premium for full coverage: $1,226

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save about $116 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,226
• Selecting low deductibles for comp and collision coverage will cost $1,446
• Higher-risk drivers with serious driving violations could pay at least $2,642 or more
• Policy cost with full coverage for a 16-year-old driver can be $4,880 each year

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $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 at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $537 extra every year. View Rates by Deductible or Liability Limit

Your home state 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 $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and quoted rates 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 Right Ford F-250 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-250 Super Duty takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save up to $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $407 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,420 more every year than a driver with a clean driving record