Ford F-350 Super Duty Insurance Rates

The average insurance rates for a Ford F-350 Super Duty are $1,302 a year with full coverage. Comprehensive insurance costs an estimated $220, collision costs $286, and liability is estimated at $596. A liability-only policy costs approximately $656 a year, with high-risk insurance costing $2,796 or more. 16-year-old drivers cost the most to insure at $5,210 a year or more.

Average premium for full coverage: $1,302

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below details estimated Ford F-350 Super Duty insurance rates for other coverage scenarios.

• The best full coverage rate is $789
• Choosing higher $1,000 deductibles can save approximately $114 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,302
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $220 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,796 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,210 each year

View Chart as Image

Car insurance rates for a Ford F-350 Super Duty also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Your home state 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 $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,760 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $340 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges from 42% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes will be varied 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 Right Ford F-350 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-350 Super Duty takes having a decent driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick rundown of the data covered above.

• Insureds who want additional liability coverage will pay around $660 every year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $434 each month if full coverage is included