Ford F-350 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-350 Super Duty are $1,334 a year for full coverage insurance. Comprehensive insurance costs around $226, collision costs $316, and liability insurance is $592. Liability-only coverage costs around $652 a year, with high-risk coverage costing $2,866 or more. 16-year-old drivers pay the highest rates at $5,306 a year or more.

Average premium for full coverage: $1,334

Price estimates for individual coverage:

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different F-350 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates estimated Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $804
• Raising to $1,000 deductibles will save about $124 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,334
• Buying more expensive low deductibles will cost an extra $234 a year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,866 or more
• The price for full coverage for a teen driver with full coverage can be $5,306

View Chart as Image

Auto insurance prices for a Ford F-350 Super Duty are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

The state you live in also has a big influence on Ford F-350 Super Duty insurance rates. A middle-age driver might find prices as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $360 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 134% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite 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.

How to Find the Best Cheap Ford F-350 Super Duty Insurance

Getting lower rates on Ford F-350 Super Duty insurance consists of having a good driving record, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the primary concepts that were illustrated above.

• It is possible to save up to $150 per year simply by shopping early and online
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,530 more every year to buy Ford F-350 Super Duty insurance
• Increasing physical damage deductibles can save around $350 each year
• Drivers age 20 and younger are expensive to insure, as much as $442 a month if they have full coverage