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 rates for a Ford F-350 Super Duty are $1,302 a year for full coverage. Comprehensive costs around $220, collision costs $286, and liability is estimated at $596. Buying just liability costs approximately $656 a year, with insurance for high-risk drivers costing around $2,796. 16-year-old drivers pay the highest rates at $5,210 a year or more.
Average premium for full coverage: $1,302
Price estimates for individual coverage:
Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all F-350 Super Duty models.
Price Range from Low to High
Using a middle-aged driver as an example, Ford F-350 Super Duty insurance prices go from as low as $656 for just liability coverage to the much higher price of $2,796 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities.
The example below illustrates how where you live affects auto insurance rates.
The ranges above show why everyone should get quotes for a specific zip code and risk profile, instead of using rate 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.
Detailed Rate Analysis
The chart below shows estimated Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $789
- Choosing higher $1,000 deductibles can save about $114 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,302
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,522
- Unlucky drivers with multiple tickets or accidents could pay at least $2,796 or more
- The price for full coverage for a teen driver for full coverage can be $5,210 each year
Insurance prices for a Ford F-350 Super Duty are also quite variable based on your driving record, the trim level of your F-350 Super Duty, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,200 a year. View Rates by Age
The state you live in 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 $860 a year in states like Idaho, Maine, and Iowa, or at least $1,860 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $340 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,200 additional each year, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers ranges as much as 42% to 128% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and 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.
| 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 Find the Right Ford F-350 Super Duty Insurance
Getting lower rates on car insurance takes having a good driving record, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The next list is a quick rundown of the concepts that were touched on in the above illustrations.
- Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,490 more every year to buy Ford F-350 Super Duty insurance
- Drivers age 20 and younger are charged the highest prices, with premiums as much as $434 a month including comprehensive and collision insurance
- Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $325 each year
- Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
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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