Ford F-350 Super Duty Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 22, 2024
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Average insurance prices for a Ford F-350 Super Duty are $1,334 every 12 months for full coverage. Comprehensive insurance costs around $226 a year, collision costs $316, and liability coverage costs around $592. A liability-only policy costs as low as $652 a year, with high-risk insurance costing $2,866 or more. Teen drivers receive the highest rates at $5,306 a year or more.
Average premium for full coverage: $1,334
Rate estimates for individual coverage type:
These estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and F-350 Super Duty trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $652 for just liability coverage to a high of $2,866 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why it is important to compare prices for a specific zip code and their own driving history, rather than using price averages.
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.
Detailed Rate Analysis
The chart below shows estimated Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $804
- Using higher $1,000 deductibles will save about $1,210 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,334
- Choosing low $100 deductibles for physical damage coverage costs an extra $234 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,866 or more
- The cost to insure a teenage driver can be $5,306 or more
Insurance rates for a Ford F-350 Super Duty can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $360 a year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be around 41% to 134% more than average. View High Risk Driver Rates
Where you live has a huge impact on Ford F-350 Super Duty insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,900 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the rates can be significantly different.
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 Cheap Ford F-350 Super Duty Insurance
Saving money on auto insurance requires being a safe and courteous driver, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to compare rates every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a brief summary of the coverage data covered above.
- Drivers can save up to $150 per year simply by quoting early and online
- Increasing deductibles could save as much as $350 each year
- Teenage drivers pay higher rates, costing as high as $442 per month if they have full coverage
- Drivers that tend to have accidents or serious violations may pay on average $1,530 more every year for auto insurance
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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