Ford F-250 Super Duty Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 4, 2024
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Average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage. Comprehensive costs around $206 a year, collision costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing around $2,642. Teen drivers receive the highest rates at $4,880 a year or more.
Average premium for full coverage: $1,226
Rate estimates for individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and F-250 Super Duty trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $592 for just the minimum liability insurance to a high of $2,642 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance rates.
These examples show why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.
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 shows estimated Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $735
- Choosing higher $1,000 deductibles can save about $1,110 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,226
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,446
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,642 or more
- The cost for full coverage for a 16-year-old driver can be $4,880 each year
Car insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the trim level of your F-250 Super Duty, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $4,800 a year. View Rates by Age
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 $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles can save as much as $340 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $537 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 136% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
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.
| 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 Find Cheaper Ford F-250 Super Duty Insurance
Saving money on insurance for a Ford F-250 Super Duty takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around every year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The following items are a condensed summary of the coverage data touched on above.
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing deductibles can save around $325 each year
- 16 to 18-year-old drivers are the costliest to insure, costing as high as $407 per month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,420 more every year than a driver with a clean driving record
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,344 |
| $500 | $1,226 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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