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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Average insurance rates for a Ford F-350 Super Duty are $1,302 a year with full coverage. Comprehensive insurance costs around $220 each year, collision insurance costs $286, and liability costs around $596. Buying just liability costs as low as $656 a year, and insurance for high-risk drivers costs $2,796 or more. Teenage drivers receive the highest rates at up to $5,210 a year.
Average premium for full coverage: $1,302
Rate estimates for individual coverage type:
Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and F-350 Super Duty models.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $656 for your basic liability-only policy to a high rate of $2,796 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.
These examples demonstrate why all drivers should compare prices for a specific zip code, instead of making a decision based on 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.
More Rate Information
The chart below details average Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.
- The best discount rate is $789
- Using higher $1,000 deductibles will save about $114 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,302
- Using low deductibles for physical damage coverage will cost an additional $220 annually
- High-risk insureds who are prone to accidents and violations could pay at least $2,796
- The cost that insures a 16-year-old driver can be $5,210 or more
Auto insurance rates for a Ford F-350 Super Duty can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 42% to 128% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age
Where you live has a huge impact on Ford F-350 Super Duty insurance prices. A driver around age 40 might see rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,760 on average in Florida, Michigan, 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% |
Using high physical damage deductibles could cut rates by as much as $340 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every 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.
| 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 Cheaper Ford F-350 Super Duty Insurance
Saving money on insurance for a Ford F-350 Super Duty requires having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a condensed summary of the coverage data touched on above.
- You may be able to save up to $150 per year just by quoting online in advance
- Increasing deductibles can save approximately $325 each year
- Drivers age 20 and younger are expensive to insure, with premiums as much as $434 per month if the policy includes full coverage
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,490 more every year to buy Ford F-350 Super Duty insurance
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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