Ford F-350 Super Duty Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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 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