Ford F-350 Super Duty Insurance Rates
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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 including full coverage. Comprehensive costs approximately $226, collision insurance costs $316, and liability insurance costs around $592. Liability-only insurance costs as low as $652 a year, and high-risk driver insurance costs around $2,866. Teenage drivers cost the most to insure at up to $5,306 a year.
Average premium for full coverage: $1,334
Policy rates by type of insurance:
Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all F-350 Super Duty models.
Price Range Variability
For a driver around age 40, Ford F-350 Super Duty insurance rates range from the cheapest price of $652 for just liability insurance to the much higher price of $2,866 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above highlight why everyone should compare prices using their specific location and their own driving history, rather than relying on 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.
More Rate Details
The chart below breaks down average Ford F-350 Super Duty insurance rates for additional coverage and risk scenarios.
- The best discount rate is $804
- Using higher $1,000 deductibles will save $124 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,334
- Using pricier low deductibles for physical damage coverage increases the price to $1,568
- Drivers who are prone to accidents and violations could pay around $2,866
- Policy cost to insure a teen driver for full coverage can cost $5,306 or more
Auto insurance rates for a Ford F-350 Super Duty also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your F-350 Super Duty.
Using high physical damage deductibles could cut rates by as much as $360 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $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 likely paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers can be anywhere from 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 $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,900 on average in Louisiana, New York, and Michigan.
| 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% |
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.
| 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 Ford F-350 Super Duty insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a recap of the car insurance concepts covered above.
- High-risk drivers that have major violations or accidents could be charged and average of $1,530 more per year than a safer driver
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- Drivers who purchase an increased level of liability coverage will pay an extra $650 per year to increase from a 30/60 limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,460 |
| $500 | $1,334 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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