Ford F-350 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-350 Super Duty are $1,376 every 12 months for full coverage. Comprehensive costs on average $244 a year, collision costs $340, and liability is $592. Liability-only coverage costs around $652 a year, with high-risk coverage costing around $2,956. Teens pay the most at $5,428 a year or more.

Average premium for full coverage: $1,376

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and F-350 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below shows estimated Ford F-350 Super Duty insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $825
• Raising to $1,000 deductibles will save around $1,242 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,376
• Selecting low $100 deductibles increases the price to $1,630
• Drivers with serious driving violations could pay upwards of $2,956 or more
• An auto insurance policy to insure a 16-year-old driver may cost $5,428

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Insurance prices for a Ford F-350 Super Duty also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your F-350 Super Duty.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $390 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford F-350 Super Duty insurance prices. A middle-age driver might find prices as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,960 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so the prices will be substantially different.

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 Shop for Cheap Ford F-350 Super Duty Insurance

Finding better rates on insurance for a Ford F-350 Super Duty consists of avoiding accidents and violations, having good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around at every policy renewal by getting price quotes from direct carriers, and also from local independent and exclusive agents.

The list below is a brief summary of the data raised in the charts and tables above.

• Insureds who require higher liability limits will pay approximately $650 each year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers can save as much as $160 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $400 each year
• Teenagers pay the highest prices, as much as $452 per month if they have full coverage