Ford F-350 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-350 Super Duty are $1,302 a year with full coverage. Comprehensive costs an estimated $220, collision costs $286, and liability costs around $596. A policy with just liability insurance costs as low as $656 a year, with coverage 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 broken down by individual coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different F-350 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than congested cities.

The price range example below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $789
• Using higher $1,000 deductibles will save approximately $114 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,302
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,522
• High-risk insureds with multiple tickets or accidents could pay up to $2,796 or more
• The price that insures a 16-year-old driver with full coverage can cost as much as $5,210 or more

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Insurance prices for a Ford F-350 Super Duty are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can be from 42% to 128% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

The state you live in has a huge impact on Ford F-350 Super Duty insurance prices. A driver around age 40 might see prices 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.

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Opting for high physical damage deductibles could cut prices by as much as $340 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite different.

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 Affordable Ford F-350 Super Duty Insurance

Getting lower rates on insurance for a Ford F-350 Super Duty requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop every couple of years by getting quotes from direct companies, and also from insurance agencies where you live.

The items below are a brief review of the material that was raised in the charts and tables above.

• Insureds who want more liability coverage will pay around $660 every year to increase from a low limit to the 250/500 level
• Teen drivers are charged the highest prices, costing up to $434 a month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,490 more annually to insure their F-350 Super Duty
• Increasing physical damage deductibles can save approximately $325 each year