Ford F-350 Super Duty Insurance Rates

U.S. average auto insurance rates for a Ford F-350 Super Duty are $1,334 annually for full coverage insurance. Comprehensive insurance costs on average $226, collision costs $316, and liability is $592. Liability-only coverage costs around $652 a year, with high-risk coverage costing $2,866 or more. Teenage drivers pay the highest rates at $5,306 a year or more.

Average premium for full coverage: $1,334

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different F-350 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $804
• Raising to $1,000 deductibles will save around $124 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,334
• Using more expensive low deductibles costs an additional $234 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,866 or more
• The price with full coverage for a 16-year-old driver with full coverage may cost $5,306

View Chart as Image

Auto insurance prices for a Ford F-350 Super Duty are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $360 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Ford F-350 Super Duty insurance prices. A middle-age driver might find prices 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.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy the Best Cheap Ford F-350 Super Duty Insurance

Getting lower rates on insurance for a Ford F-350 Super Duty consists of avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a quick review of the concepts that were touched on in this article.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,530 more each year to insure a Ford F-350 Super Duty
• Drivers under the age of 20 are charged the highest prices, as much as $442 a month if full coverage is included
• It is possible to save as much as $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $350 each year
• It is possible to save as much as $150 per year simply by shopping early and online