Ford F-350 Super Duty Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Estimated insurance rates for a Ford F-350 Super Duty are $1,376 a year including full coverage. Comprehensive costs around $244, collision costs $340, and liability is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,956. Teenage drivers pay the most at $5,428 a year or more.

Average premium for full coverage: $1,376

Premium estimates for type of coverage:

Comprehensive $244
Collision $340
Liability $592

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different F-350 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Ford F-350 Super Duty go from as low as $652 for just liability coverage to a much higher rate of $2,956 for a driver who requires high-risk insurance.

Liability Only $652
Full Coverage $1,376
High Risk $2,956

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,032
Small Cities $1,445
Large Cities $1,858

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using 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.

Detailed Rate Analysis

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

  • The best discount rate is $825
  • Raising to $1,000 deductibles will save about $134 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,376
  • Using more expensive low deductibles will increase the cost to $1,630
  • At-risk drivers who are prone to accidents and violations could pay at least $2,956 or more
  • An auto insurance policy for full coverage for a teen driver with full coverage can be $5,428

View Chart as Image

Ford F-350 Super Duty insurance cost comparison chart
Column chart showing full coverage Ford F-350 Super Duty insurance rates range from $825 to $5,428

Insurance prices for a Ford F-350 Super Duty also have a wide range based on your driving characteristics, the model of your F-350 Super Duty, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Ford F-350 Super Duty insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.

Ford F-350 Super Duty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$134 -9.7%
Alaska $1,054 -$322 -23.4%
Arizona $1,140 -$236 -17.2%
Arkansas $1,376 -$0 0.0%
California $1,566 $190 13.8%
Colorado $1,312 -$64 -4.7%
Connecticut $1,412 $36 2.6%
Delaware $1,556 $180 13.1%
Florida $1,718 $342 24.9%
Georgia $1,268 -$108 -7.8%
Hawaii $986 -$390 -28.3%
Idaho $932 -$444 -32.3%
Illinois $1,022 -$354 -25.7%
Indiana $1,036 -$340 -24.7%
Iowa $932 -$444 -32.3%
Kansas $1,304 -$72 -5.2%
Kentucky $1,872 $496 36.0%
Louisiana $2,034 $658 47.8%
Maine $850 -$526 -38.2%
Maryland $1,134 -$242 -17.6%
Massachusetts $1,098 -$278 -20.2%
Michigan $2,388 $1,012 73.5%
Minnesota $1,152 -$224 -16.3%
Mississippi $1,646 $270 19.6%
Missouri $1,220 -$156 -11.3%
Montana $1,478 $102 7.4%
Nebraska $1,082 -$294 -21.4%
Nevada $1,648 $272 19.8%
New Hampshire $988 -$388 -28.2%
New Jersey $1,536 $160 11.6%
New Mexico $1,216 -$160 -11.6%
New York $1,446 $70 5.1%
North Carolina $790 -$586 -42.6%
North Dakota $1,126 -$250 -18.2%
Ohio $950 -$426 -31.0%
Oklahoma $1,410 $34 2.5%
Oregon $1,258 -$118 -8.6%
Pennsylvania $1,312 -$64 -4.7%
Rhode Island $1,832 $456 33.1%
South Carolina $1,246 -$130 -9.4%
South Dakota $1,158 -$218 -15.8%
Tennessee $1,202 -$174 -12.6%
Texas $1,654 $278 20.2%
Utah $1,020 -$356 -25.9%
Vermont $940 -$436 -31.7%
Virginia $822 -$554 -40.3%
Washington $1,062 -$314 -22.8%
West Virginia $1,260 -$116 -8.4%
Wisconsin $952 -$424 -30.8%
Wyoming $1,224 -$152 -11.0%

View Chart as Image

Ford F-350 Super Duty insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $390 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford F-350 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $1,474 $123
F-350 XL Super Cab 4WD $1,474 $123
F-350 XL Super Cab 2WD $1,148 $96
F-350 Super Cab Cabela Package 4WD $1,498 $125
F-350 XL Crew Cab 2WD $1,174 $98
F-350 XLT Crew Cab 4WD $1,524 $127
F-350 Crew Cab Harley Edition 4WD $1,524 $127
F-350 Crew Cab King Ranch 4WD $1,524 $127
F-350 Super Cab Cabela Package 2WD $1,174 $98
F-350 XL Super Cab Turbo Diesel 4WD $1,524 $127
F-350 XLT Super Cab 4WD $1,524 $127
F-350 Super Cab Harley Edition 4WD $1,524 $127
F-350 XL Crew Cab Cabela Package 2WD $1,198 $100
F-350 XL Crew Cab King Ranch 2WD $1,198 $100
F-350 XL Crew Cab Turbo Diesel 4WD $1,548 $129
F-350 Crew Cab Cabela Package 4WD $1,548 $129
F-350 Crew Cab King Ranch Turbo Diesel 4WD $1,548 $129
F-350 Crew Cab Lariat 4WD $1,548 $129
F-350 XLT Super Cab 2WD $1,198 $100
F-350 XLT Super Cab Turbo Diesel 4WD $1,548 $129
F-350 Super Cab Cabela Turbo Diesel 4WD $1,548 $129
F-350 Super Cab Lariat 4WD $1,548 $129
F-350 XL Crew Cab Turbo Diesel 2WD $1,226 $102
F-350 XLT Crew Cab 2WD $1,226 $102
F-350 XLT Crew Cab Harley Edition 2WD $1,226 $102
F-350 XLT Crew Cab Lariat 2WD $1,226 $102
F-350 XLT Crew Cab Turbo Diesel 4WD $1,576 $131
F-350 Crew Cab Harley Turbo Diesel 4WD $1,576 $131
F-350 XL Super Cab Turbo Diesel 2WD $1,226 $102
F-350 Super Cab Harley Edition 2WD $1,226 $102
F-350 Super Cab Lariat 2WD $1,226 $102
F-350 Super Cab Harley Turbo Diesel 4WD $1,576 $131
F-350 Super Cab Lariat Turbo Diesel 4WD $1,576 $131
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $1,250 $104
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,250 $104
F-350 Crew Cab Cabela Turbo Diesel 4WD $1,600 $133
F-350 Crew Cab Lariat Turbo Diesel 4WD $1,600 $133
F-350 Super Cab XLT Turbo Diesel 2WD $1,250 $104
F-350 Super Cab Cabela Turbo Diesel 2WD $1,250 $104
F-350 Super Cab Harley Turbo Diesel 2WD $1,250 $104
F-350 Crew Cab Lariat Turbo Diesel 2WD $1,276 $106
F-350 Super Cab Lariat Turbo Diesel 2WD $1,276 $106

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.

Ford F-350 Super Duty Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford F-350 Super Duty $390 $626 $466 $1,682
2023 Ford F-350 Super Duty $372 $600 $488 $1,660
2022 Ford F-350 Super Duty $356 $596 $498 $1,650
2021 Ford F-350 Super Duty $344 $582 $520 $1,646
2020 Ford F-350 Super Duty $332 $558 $536 $1,626
2019 Ford F-350 Super Duty $314 $538 $554 $1,606
2018 Ford F-350 Super Duty $302 $500 $564 $1,566
2017 Ford F-350 Super Duty $290 $470 $570 $1,530
2016 Ford F-350 Super Duty $278 $422 $574 $1,474
2014 Ford F-350 Super Duty $250 $364 $580 $1,394
2013 Ford F-350 Super Duty $244 $340 $592 $1,376
2010 Ford F-350 Super Duty $206 $262 $592 $1,260

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 Affordable Ford F-350 Super Duty Insurance

Finding better rates on car insurance consists of having a decent driving record, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the concepts that were presented in the illustrations above.

  • Higher risk drivers with DUI or reckless driving convictions pay on average $1,580 more every year than a driver with a clean driving record
  • 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $452 per month including comprehensive and collision insurance
  • You may be able to save up to $160 per year simply by shopping early and online
  • Increasing policy deductibles can save around $400 each year
  • You may be able to save up to $160 per year simply by shopping early and online

Rates by Driver Age

Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $5,428
20 $3,138
30 $1,404
40 $1,376
50 $1,260
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,514
$500 $1,376
$1,000 $1,242

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,376
50/100 $1,371
100/300 $1,489
250/500 $1,797
100 CSL $1,418
300 CSL $1,679
500 CSL $1,869

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $7,670
20 $5,002
30 $2,990
40 $2,956
50 $2,826
60 $2,794

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.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $74
Homeowner $24
5-yr Accident Free $87
5-yr Claim Free $87
Paid in Full/EFT $52
Advance Quote $62
Online Quote $94
Total Discounts $551
Rate after discounts $825

Discounts are estimated and may not be available from every company or in every state.

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