Ford F-350 Super Duty Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 22, 2024
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Estimated insurance rates for a Ford F-350 Super Duty are $1,334 a year with full coverage. Comprehensive costs an estimated $226, collision costs $316, and liability is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing around $2,866. Teenage drivers pay the most at $5,306 a year or more.
Average premium for full coverage: $1,334
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all F-350 Super Duty models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford F-350 Super Duty go from as low as $652 for liability-only coverage to the much higher price of $2,866 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.
The example below illustrates how location impacts insurance prices.
These rate differences demonstrate why everyone should get quotes for a targeted area and risk profile, 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.
Additional Charts and Tables
The chart below details estimated Ford F-350 Super Duty insurance rates for other coverage scenarios.
- The best discount rate is $804
- Choosing higher $1,000 deductibles can save approximately $124 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,334
- Using pricier low deductibles for comp and collision coverage will increase the cost to $1,568
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,866 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $5,306 each year
Insurance prices for a Ford F-350 Super Duty also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford F-350 Super Duty insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,800 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $360 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,600 to $2,200 extra annually, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers ranges from 41% to 134% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different from one company to the next.
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 Find the Cheapest Ford F-350 Super Duty Insurance
Finding better rates on insurance for a Ford F-350 Super Duty takes avoiding accidents and claims, maintaining good credit, being claim-free, and taking advantage of discounts. Spend time shopping around at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a recap of the primary concepts that were touched on above.
- You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk that have major violations or accidents may pay on average $1,530 more annually to insure a Ford F-350 Super Duty
- Increasing policy deductibles can save around $350 each year
- Drivers under the age of 20 are charged the highest prices, possibly costing $442 per month for full coverage
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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