Ford F-350 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-350 Super Duty are $1,302 every 12 months for full coverage insurance. Comprehensive costs an estimated $220 each year, collision insurance costs $286, and liability is $596. A liability-only policy costs around $656 a year, and high-risk insurance costs around $2,796. Teens pay the most at up to $5,210 a year.

Average premium for full coverage: $1,302

Premium estimates broken down by type of coverage:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and F-350 Super Duty models.

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 the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why all drivers should compare rates quotes for a targeted area 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 Charts and Tables

The chart below illustrates average Ford F-350 Super Duty insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $789
• Raising to $1,000 deductibles will save approximately $114 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,302
• Selecting low deductibles increases the price to $1,522
• Drivers with serious driving violations could pay up to $2,796
• An auto insurance policy to insure a 16-year-old driver can cost as much as $5,210

View Chart as Image

Auto insurance prices for a Ford F-350 Super Duty also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,500 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 128% 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 $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,760 on average in Florida, New York, and Michigan.

View Chart as Image

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 the Best Cheap Ford F-350 Super Duty Insurance

Finding better rates on insurance for a Ford F-350 Super Duty consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a quick review of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,490 more annually than a safer driver
• It is possible to save approximately $150 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $325 each year
• Insureds who want an increased level of liability coverage will pay approximately $660 annually to raise from 30/60 bodily injury limits to a 250/500 level