Ford F-350 Super Duty Insurance Rates

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2010 Ford F-350 Super Duty Insurance Quotes in 2025

Trying to find cheaper insurance for a new or used Ford F-350 Super Duty can be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to quote coverages for your Ford and locate the best price possible from both online companies and local agents. Consume...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 22, 2024

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The average insurance prices for a Ford F-350 Super Duty are $1,334 every 12 months for full coverage insurance. Comprehensive costs around $226 each year, collision costs $316, and liability coverage costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing around $2,866. Teenage drivers cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,334

Policy rates for type of insurance:

Comprehensive $226
Collision $316
Liability $592

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and F-350 Super Duty models.

Price Range Variability

For a driver in their 40's, Ford F-350 Super Duty insurance rates go from the cheapest price of $652 for a discount liability-only rate to a high rate of $2,866 for coverage for higher-risk drivers.

Liability Only $652
Full Coverage $1,334
High Risk $2,866

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The examples above illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using average rates.

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.

Rates by State, City, and Model

The chart below illustrates estimated Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $804
  • Using higher $1,000 deductibles will save about $124 each year
  • The average price for a good driver age 40 using $500 deductibles is $1,334
  • Using low deductibles for physical damage coverage increases the price to $1,568
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,866 or more
  • Policy cost to insure a teenage driver can be $5,306 or more

View Chart as Image

Ford F-350 Super Duty insurance cost comparison chart
Column chart showing full coverage Ford F-350 Super Duty insurance rates range from $804 to $5,306

Insurance rates for a Ford F-350 Super Duty also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $360 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be around 41% to 134% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Ford F-350 Super Duty insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,800 on average in Michigan, New York, and Florida.

Ford F-350 Super Duty Insurance Rates by State
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%

View Chart as Image

Ford F-350 Super Duty insurance rates by U.S. city

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Ford F-350 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $1,434 $120
F-350 XL Super Cab 4WD $1,434 $120
F-350 XL Super Cab 2WD $1,110 $93
F-350 Super Cab Cabela Package 4WD $1,458 $122
F-350 XL Crew Cab 2WD $1,134 $95
F-350 XLT Crew Cab 4WD $1,482 $124
F-350 Crew Cab Harley Edition 4WD $1,482 $124
F-350 Crew Cab King Ranch 4WD $1,482 $124
F-350 Super Cab Cabela Package 2WD $1,134 $95
F-350 XL Super Cab Turbo Diesel 4WD $1,482 $124
F-350 XLT Super Cab 4WD $1,482 $124
F-350 Super Cab Harley Edition 4WD $1,482 $124
F-350 XL Crew Cab Cabela Package 2WD $1,158 $97
F-350 XL Crew Cab King Ranch 2WD $1,158 $97
F-350 XL Crew Cab Turbo Diesel 4WD $1,504 $125
F-350 Crew Cab Cabela Package 4WD $1,504 $125
F-350 Crew Cab King Ranch Turbo Diesel 4WD $1,504 $125
F-350 Crew Cab Lariat 4WD $1,504 $125
F-350 XLT Super Cab 2WD $1,158 $97
F-350 XLT Super Cab Turbo Diesel 4WD $1,504 $125
F-350 Super Cab Cabela Turbo Diesel 4WD $1,504 $125
F-350 Super Cab Lariat 4WD $1,504 $125
F-350 XL Crew Cab Turbo Diesel 2WD $1,182 $99
F-350 XLT Crew Cab 2WD $1,182 $99
F-350 XLT Crew Cab Harley Edition 2WD $1,182 $99
F-350 XLT Crew Cab Lariat 2WD $1,182 $99
F-350 XLT Crew Cab Turbo Diesel 4WD $1,528 $127
F-350 Crew Cab Harley Turbo Diesel 4WD $1,528 $127
F-350 XL Super Cab Turbo Diesel 2WD $1,182 $99
F-350 Super Cab Harley Edition 2WD $1,182 $99
F-350 Super Cab Lariat 2WD $1,182 $99
F-350 Super Cab Harley Turbo Diesel 4WD $1,528 $127
F-350 Super Cab Lariat Turbo Diesel 4WD $1,528 $127
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $1,204 $100
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,204 $100
F-350 Crew Cab Cabela Turbo Diesel 4WD $1,552 $129
F-350 Crew Cab Lariat Turbo Diesel 4WD $1,552 $129
F-350 Super Cab XLT Turbo Diesel 2WD $1,204 $100
F-350 Super Cab Cabela Turbo Diesel 2WD $1,204 $100
F-350 Super Cab Harley Turbo Diesel 2WD $1,204 $100
F-350 Crew Cab Lariat Turbo Diesel 2WD $1,228 $102
F-350 Super Cab Lariat Turbo Diesel 2WD $1,228 $102

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-350 Super Duty Insurance Rates by Model Year
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 Shop for the Cheapest Ford F-350 Super Duty Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having good credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a recap of the primary concepts that were covered in the charts and tables above.

  • It is possible to save up to $150 per year simply by quoting online in advance
  • Drivers that have major violations or accidents may pay on average $1,530 more every year for car insurance
  • Increasing comprehensive and collision deductibles could save as much as $350 each year
  • Teenagers pay higher rates, possibly costing $442 each month if they have full coverage

Rates by Driver Age

Ford F-350 Super Duty Insurance 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

Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,460
$500 $1,334
$1,000 $1,210

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty Insurance Rates with Different Liability Limits
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

Ford F-350 Super Duty Insurance 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.

SR-22 Surcharge $180

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
Rate after discounts $804

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

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