Ford F-350 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-350 Super Duty are $1,334 annually for full coverage. Comprehensive insurance costs around $226, collision costs $316, and liability costs around $592. Liability-only coverage costs as low as $652 a year, with high-risk coverage costing $2,866 or more. Teen drivers cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,334

Policy rates for type of insurance:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different F-350 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $804
• Using higher $1,000 deductibles will save about $124 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,334
• Choosing more expensive low deductibles for physical damage coverage costs an additional $234 annually
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,866 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $5,306 or more

View Chart as Image

Insurance rates for a Ford F-350 Super Duty also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can be from 41% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $360 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford F-350 Super Duty insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,900 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

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 Buy Low Cost Ford F-350 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-350 Super Duty requires having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a review of the data touched on in this article.

• Insureds who may need increased levels of liability coverage will pay about $650 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers can save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $442 each month if they have full coverage