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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U.S. average insurance prices for a Ford F-350 Super Duty are $1,302 every 12 months for full coverage. Comprehensive costs an estimated $220, collision insurance costs $286, and liability is $596. Liability-only coverage costs around $656 a year, and high-risk coverage costs around $2,796. Teen drivers pay the highest rates at up to $5,210 a year.
Average premium for full coverage: $1,302
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different F-350 Super Duty trim levels.
Price Range from Low to High
For the average driver, Ford F-350 Super Duty insurance prices range from the cheapest price of $656 for minimum levels of liability insurance to a much higher rate of $2,796 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The price range example below illustrates how location impacts insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below shows average Ford F-350 Super Duty insurance rates for other coverage scenarios.
- The lowest rate with discounts is $789
- Raising to $1,000 deductibles will save approximately $114 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,302
- Choosing more expensive low deductibles increases the price to $1,522
- Drivers with multiple violations and an at-fault accident could pay up to $2,796
- The price to insure a 16-year-old driver with full coverage can cost as much as $5,210
Auto insurance prices for a Ford F-350 Super Duty are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $340 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 128% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Ford F-350 Super Duty insurance prices. A middle-age driver might find prices as low as $860 a year in states like Iowa, Maine, and Idaho, or as much as $1,860 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,178 | -$124 | -9.5% |
| Alaska | $1,000 | -$302 | -23.2% |
| Arizona | $1,082 | -$220 | -16.9% |
| Arkansas | $1,302 | -$0 | 0.0% |
| California | $1,484 | $182 | 14.0% |
| Colorado | $1,244 | -$58 | -4.5% |
| Connecticut | $1,338 | $36 | 2.8% |
| Delaware | $1,476 | $174 | 13.4% |
| Florida | $1,628 | $326 | 25.0% |
| Georgia | $1,202 | -$100 | -7.7% |
| Hawaii | $934 | -$368 | -28.3% |
| Idaho | $884 | -$418 | -32.1% |
| Illinois | $970 | -$332 | -25.5% |
| Indiana | $982 | -$320 | -24.6% |
| Iowa | $884 | -$418 | -32.1% |
| Kansas | $1,236 | -$66 | -5.1% |
| Kentucky | $1,776 | $474 | 36.4% |
| Louisiana | $1,928 | $626 | 48.1% |
| Maine | $804 | -$498 | -38.2% |
| Maryland | $1,074 | -$228 | -17.5% |
| Massachusetts | $1,038 | -$264 | -20.3% |
| Michigan | $2,260 | $958 | 73.6% |
| Minnesota | $1,090 | -$212 | -16.3% |
| Mississippi | $1,558 | $256 | 19.7% |
| Missouri | $1,156 | -$146 | -11.2% |
| Montana | $1,402 | $100 | 7.7% |
| Nebraska | $1,026 | -$276 | -21.2% |
| Nevada | $1,560 | $258 | 19.8% |
| New Hampshire | $938 | -$364 | -28.0% |
| New Jersey | $1,454 | $152 | 11.7% |
| New Mexico | $1,154 | -$148 | -11.4% |
| New York | $1,368 | $66 | 5.1% |
| North Carolina | $750 | -$552 | -42.4% |
| North Dakota | $1,066 | -$236 | -18.1% |
| Ohio | $900 | -$402 | -30.9% |
| Oklahoma | $1,336 | $34 | 2.6% |
| Oregon | $1,192 | -$110 | -8.4% |
| Pennsylvania | $1,242 | -$60 | -4.6% |
| Rhode Island | $1,738 | $436 | 33.5% |
| South Carolina | $1,178 | -$124 | -9.5% |
| South Dakota | $1,100 | -$202 | -15.5% |
| Tennessee | $1,140 | -$162 | -12.4% |
| Texas | $1,568 | $266 | 20.4% |
| Utah | $966 | -$336 | -25.8% |
| Vermont | $890 | -$412 | -31.6% |
| Virginia | $780 | -$522 | -40.1% |
| Washington | $1,004 | -$298 | -22.9% |
| West Virginia | $1,194 | -$108 | -8.3% |
| Wisconsin | $902 | -$400 | -30.7% |
| Wyoming | $1,160 | -$142 | -10.9% |
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 | $356 | $596 | $498 | $1,650 |
| 2023 Ford F-350 Super Duty | $344 | $582 | $520 | $1,646 |
| 2022 Ford F-350 Super Duty | $332 | $558 | $536 | $1,626 |
| 2021 Ford F-350 Super Duty | $314 | $538 | $554 | $1,606 |
| 2020 Ford F-350 Super Duty | $302 | $500 | $564 | $1,566 |
| 2019 Ford F-350 Super Duty | $290 | $470 | $570 | $1,530 |
| 2018 Ford F-350 Super Duty | $278 | $422 | $574 | $1,474 |
| 2017 Ford F-350 Super Duty | $260 | $388 | $574 | $1,422 |
| 2016 Ford F-350 Super Duty | $250 | $364 | $580 | $1,394 |
| 2014 Ford F-350 Super Duty | $226 | $316 | $592 | $1,334 |
| 2013 Ford F-350 Super Duty | $220 | $286 | $596 | $1,302 |
| 2010 Ford F-350 Super Duty | $188 | $214 | $586 | $1,188 |
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
Getting lower rates on insurance for a Ford F-350 Super Duty consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a brief summary of the concepts that were touched on above.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,490 more annually than a safer driver
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $434 a month if comprehensive and collision insurance is included
- Drivers can save approximately $150 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $325 each year
- Drivers can save approximately $150 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,210 |
| 20 | $2,972 |
| 30 | $1,324 |
| 40 | $1,302 |
| 50 | $1,194 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,522 |
| $250 | $1,422 |
| $500 | $1,302 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,302 |
| 50/100 | $1,290 |
| 100/300 | $1,409 |
| 250/500 | $1,720 |
| 100 CSL | $1,337 |
| 300 CSL | $1,600 |
| 500 CSL | $1,792 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,346 |
| 20 | $4,734 |
| 30 | $2,824 |
| 40 | $2,796 |
| 50 | $2,676 |
| 60 | $2,646 |
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 | $66 |
| Multi-vehicle | $70 |
| Homeowner | $23 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $47 |
| Advance Quote | $57 |
| Online Quote | $88 |
| Total Discounts | $513 |
Discounts are estimated and may not be available from every company or in every state.
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