Ford F-350 Super Duty Insurance Rates

The average insurance rates for a Ford F-350 Super Duty are $1,302 a year for full coverage. Comprehensive insurance costs an estimated $220 a year, collision insurance costs $286, and liability coverage is estimated at $596. Buying just liability costs approximately $656 a year, and insurance for high-risk drivers costs $2,796 or more. Teen drivers cost the most to insure at up to $5,210 a year.

Average premium for full coverage: $1,302

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and F-350 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why it is important to get quotes for a targeted area, rather than using price averages.

Use the form below to get customized rates for your location.

More Rate Information

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

• The lowest rate with discounts is $789
• Choosing higher $1,000 deductibles can save approximately $1,188 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,302
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $220 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,796
• Policy cost that insures a teenage driver can cost as much as $5,210 each year

View Chart as Image

Insurance rates for a Ford F-350 Super Duty also range considerably based on the trim level of your F-350 Super Duty, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 128% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford F-350 Super Duty insurance rates. A good driver about age 40 could pay 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.

View Chart as Image

Choosing high deductibles can save as much as $340 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

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.

How to Find Cheap Ford F-350 Super Duty Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around at least every other year by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief summary of the car insurance concepts covered above.

• Drivers that tend to have accidents or serious violations may pay on average $1,490 more annually than a driver with a clean driving record
• Drivers can save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Consumers who want additional liability coverage will pay about $660 each year to raise limits from a 30/60 limit to the 250/500 level