Ford F-350 Super Duty Insurance Rates

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2010 Ford F-350 Super Duty Insurance Quotes in 2025

Trying to find cheaper insurance for a new or used Ford F-350 Super Duty can be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to quote coverages for your Ford and locate the best price possible from both online companies and local agents. Consume...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 22, 2024

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U.S. average auto insurance rates for a Ford F-350 Super Duty are $1,334 annually including full coverage. Comprehensive insurance costs an estimated $226 each year, collision insurance costs $316, and liability costs around $592. Buying just liability costs as low as $652 a year, and insurance for high-risk drivers costs $2,866 or more. Teenage drivers pay the highest rates at up to $5,306 a year.

Average premium for full coverage: $1,334

Price estimates broken down by individual coverage:

Comprehensive $226
Collision $316
Liability $592

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and F-350 Super Duty models.

Price Range from Low to High

For an average driver, Ford F-350 Super Duty insurance prices range from as cheap as $652 for basic liability insurance to a high rate of $2,866 for a driver required to buy high-risk insurance.

Liability Only $652
Full Coverage $1,334
High Risk $2,866

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The ranges above highlight why all drivers should compare prices for a targeted area 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The best discount rate is $804
  • Using higher $1,000 deductibles will save approximately $124 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,334
  • Using low deductibles for physical damage coverage costs an additional $234 annually
  • High-risk insureds who are prone to accidents and violations could pay up to $2,866
  • The price with full coverage for a 16-year-old driver can cost as much as $5,306 or more

View Chart as Image

Ford F-350 Super Duty insurance cost comparison chart
Column chart showing Ford F-350 Super Duty insurance prices range from $804 to $5,306 for full coverage

Insurance prices for a Ford F-350 Super Duty are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be from 41% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $360 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford F-350 Super Duty insurance prices. A driver around age 40 might see prices 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.

Ford F-350 Super Duty Insurance Rates by State
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%

View Chart as Image

Ford F-350 Super Duty insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Ford F-350 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $1,434 $120
F-350 XL Super Cab 4WD $1,434 $120
F-350 XL Super Cab 2WD $1,110 $93
F-350 Super Cab Cabela Package 4WD $1,458 $122
F-350 XL Crew Cab 2WD $1,134 $95
F-350 XLT Crew Cab 4WD $1,482 $124
F-350 Crew Cab Harley Edition 4WD $1,482 $124
F-350 Crew Cab King Ranch 4WD $1,482 $124
F-350 Super Cab Cabela Package 2WD $1,134 $95
F-350 XL Super Cab Turbo Diesel 4WD $1,482 $124
F-350 XLT Super Cab 4WD $1,482 $124
F-350 Super Cab Harley Edition 4WD $1,482 $124
F-350 XL Crew Cab Cabela Package 2WD $1,158 $97
F-350 XL Crew Cab King Ranch 2WD $1,158 $97
F-350 XL Crew Cab Turbo Diesel 4WD $1,504 $125
F-350 Crew Cab Cabela Package 4WD $1,504 $125
F-350 Crew Cab King Ranch Turbo Diesel 4WD $1,504 $125
F-350 Crew Cab Lariat 4WD $1,504 $125
F-350 XLT Super Cab 2WD $1,158 $97
F-350 XLT Super Cab Turbo Diesel 4WD $1,504 $125
F-350 Super Cab Cabela Turbo Diesel 4WD $1,504 $125
F-350 Super Cab Lariat 4WD $1,504 $125
F-350 XL Crew Cab Turbo Diesel 2WD $1,182 $99
F-350 XLT Crew Cab 2WD $1,182 $99
F-350 XLT Crew Cab Harley Edition 2WD $1,182 $99
F-350 XLT Crew Cab Lariat 2WD $1,182 $99
F-350 XLT Crew Cab Turbo Diesel 4WD $1,528 $127
F-350 Crew Cab Harley Turbo Diesel 4WD $1,528 $127
F-350 XL Super Cab Turbo Diesel 2WD $1,182 $99
F-350 Super Cab Harley Edition 2WD $1,182 $99
F-350 Super Cab Lariat 2WD $1,182 $99
F-350 Super Cab Harley Turbo Diesel 4WD $1,528 $127
F-350 Super Cab Lariat Turbo Diesel 4WD $1,528 $127
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $1,204 $100
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,204 $100
F-350 Crew Cab Cabela Turbo Diesel 4WD $1,552 $129
F-350 Crew Cab Lariat Turbo Diesel 4WD $1,552 $129
F-350 Super Cab XLT Turbo Diesel 2WD $1,204 $100
F-350 Super Cab Cabela Turbo Diesel 2WD $1,204 $100
F-350 Super Cab Harley Turbo Diesel 2WD $1,204 $100
F-350 Crew Cab Lariat Turbo Diesel 2WD $1,228 $102
F-350 Super Cab Lariat Turbo Diesel 2WD $1,228 $102

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.

Ford F-350 Super Duty Insurance Rates by Model Year
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 Buy Low Cost Ford F-350 Super Duty Insurance

Getting lower rates on insurance for a Ford F-350 Super Duty requires being a good driver, having good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a review of the data covered in the above illustrations.

  • Insureds who want an increased level of liability coverage will pay an extra $650 per year to increase from a low limit to higher 250/500 limits
  • You may be able to save approximately $150 per year just by quoting online in advance
  • Increasing physical damage deductibles could save up to $350 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $442 a month if they have full coverage

Rates by Driver Age

Ford F-350 Super Duty Insurance 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

Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,460
$500 $1,334
$1,000 $1,210

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty Insurance Rates with Different Liability Limits
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

Ford F-350 Super Duty Insurance 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.

SR-22 Surcharge $180

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
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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