Ford F-350 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 22, 2024
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Average insurance rates for a Ford F-350 Super Duty are $1,334 a year for full coverage insurance. Comprehensive costs around $226, collision insurance costs $316, and liability coverage is estimated at $592. A liability-only policy costs approximately $652 a year, and high-risk insurance costs around $2,866. Teens receive the highest rates at up to $5,306 a year.
Average premium for full coverage: $1,334
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all F-350 Super Duty models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $652 for the bare minimum liability coverage to the much higher price of $2,866 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance rates.
These examples illustrate why everyone should get quotes for a specific zip code and risk profile, rather than 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 Information
The chart below illustrates average Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $804
- Choosing higher $1,000 deductibles can save about $124 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,334
- Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,568
- Drivers with serious driving violations could pay at least $2,866
- The cost for full coverage for a teenage driver for full coverage can be $5,306 each year
Insurance rates for a Ford F-350 Super Duty can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Ford F-350 Super Duty insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,800 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,202 | -$132 | -9.9% |
| Alaska | $1,022 | -$312 | -23.4% |
| Arizona | $1,104 | -$230 | -17.2% |
| Arkansas | $1,334 | -$0 | 0.0% |
| California | $1,518 | $184 | 13.8% |
| Colorado | $1,270 | -$64 | -4.8% |
| Connecticut | $1,368 | $34 | 2.5% |
| Delaware | $1,506 | $172 | 12.9% |
| Florida | $1,666 | $332 | 24.9% |
| Georgia | $1,228 | -$106 | -7.9% |
| Hawaii | $954 | -$380 | -28.5% |
| Idaho | $904 | -$430 | -32.2% |
| Illinois | $992 | -$342 | -25.6% |
| Indiana | $1,004 | -$330 | -24.7% |
| Iowa | $902 | -$432 | -32.4% |
| Kansas | $1,266 | -$68 | -5.1% |
| Kentucky | $1,816 | $482 | 36.1% |
| Louisiana | $1,972 | $638 | 47.8% |
| Maine | $822 | -$512 | -38.4% |
| Maryland | $1,100 | -$234 | -17.5% |
| Massachusetts | $1,064 | -$270 | -20.2% |
| Michigan | $2,314 | $980 | 73.5% |
| Minnesota | $1,116 | -$218 | -16.3% |
| Mississippi | $1,596 | $262 | 19.6% |
| Missouri | $1,182 | -$152 | -11.4% |
| Montana | $1,432 | $98 | 7.3% |
| Nebraska | $1,048 | -$286 | -21.4% |
| Nevada | $1,598 | $264 | 19.8% |
| New Hampshire | $960 | -$374 | -28.0% |
| New Jersey | $1,488 | $154 | 11.5% |
| New Mexico | $1,178 | -$156 | -11.7% |
| New York | $1,400 | $66 | 4.9% |
| North Carolina | $766 | -$568 | -42.6% |
| North Dakota | $1,092 | -$242 | -18.1% |
| Ohio | $920 | -$414 | -31.0% |
| Oklahoma | $1,366 | $32 | 2.4% |
| Oregon | $1,220 | -$114 | -8.5% |
| Pennsylvania | $1,270 | -$64 | -4.8% |
| Rhode Island | $1,776 | $442 | 33.1% |
| South Carolina | $1,208 | -$126 | -9.4% |
| South Dakota | $1,124 | -$210 | -15.7% |
| Tennessee | $1,166 | -$168 | -12.6% |
| Texas | $1,606 | $272 | 20.4% |
| Utah | $988 | -$346 | -25.9% |
| Vermont | $910 | -$424 | -31.8% |
| Virginia | $796 | -$538 | -40.3% |
| Washington | $1,030 | -$304 | -22.8% |
| West Virginia | $1,220 | -$114 | -8.5% |
| Wisconsin | $922 | -$412 | -30.9% |
| Wyoming | $1,186 | -$148 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $360 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers ranges around 41% to 134% more than the average policy. View High Risk Driver Rates
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-350 Super Duty | $372 | $600 | $488 | $1,660 |
| 2023 Ford F-350 Super Duty | $356 | $596 | $498 | $1,650 |
| 2022 Ford F-350 Super Duty | $344 | $582 | $520 | $1,646 |
| 2021 Ford F-350 Super Duty | $332 | $558 | $536 | $1,626 |
| 2020 Ford F-350 Super Duty | $314 | $538 | $554 | $1,606 |
| 2019 Ford F-350 Super Duty | $302 | $500 | $564 | $1,566 |
| 2018 Ford F-350 Super Duty | $290 | $470 | $570 | $1,530 |
| 2017 Ford F-350 Super Duty | $278 | $422 | $574 | $1,474 |
| 2016 Ford F-350 Super Duty | $260 | $388 | $574 | $1,422 |
| 2014 Ford F-350 Super Duty | $244 | $340 | $592 | $1,376 |
| 2013 Ford F-350 Super Duty | $226 | $316 | $592 | $1,334 |
| 2010 Ford F-350 Super Duty | $194 | $238 | $592 | $1,224 |
Rates are averaged for all Ford F-350 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 Affordable Ford F-350 Super Duty Insurance
Saving money on auto insurance takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates every time your policy renews by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below you'll find a brief review of the information touched on in this article.
- It is possible to save up to $150 per year just by quoting online well ahead of the renewal date
- Youthful drivers pay higher rates, costing up to $442 per month for full coverage
- Increasing deductibles can save around $350 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,530 more every year than a low-risk driver
- Consumers who may need more liability protection will pay approximately $650 annually to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,306 |
| 20 | $3,048 |
| 30 | $1,358 |
| 40 | $1,334 |
| 50 | $1,222 |
| 60 | $1,196 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,460 |
| $500 | $1,334 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,334 |
| 50/100 | $1,323 |
| 100/300 | $1,441 |
| 250/500 | $1,749 |
| 100 CSL | $1,370 |
| 300 CSL | $1,631 |
| 500 CSL | $1,821 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,490 |
| 20 | $4,856 |
| 30 | $2,898 |
| 40 | $2,866 |
| 50 | $2,742 |
| 60 | $2,710 |
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 | $68 |
| Multi-vehicle | $72 |
| Homeowner | $23 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $91 |
| Total Discounts | $530 |
Discounts are estimated and may not be available from every company or in every state.
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