Ford F-350 Super Duty Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: May 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Ford F-350 Super Duty are $1,302 a year including full coverage. Comprehensive costs approximately $220, collision costs $286, and liability is $596. Liability-only coverage costs around $656 a year, with high-risk coverage costing around $2,796. 16-year-old drivers receive the highest rates at $5,210 a year or more.
Average premium for full coverage: $1,302
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all F-350 Super Duty models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $656 for liability-only coverage to the much higher price of $2,796 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on 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.
Additional Charts and Tables
The chart below breaks down estimated Ford F-350 Super Duty insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $789
- Raising to $1,000 deductibles will save $114 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,302
- Buying pricier low deductibles will increase the cost to $1,522
- Drivers with multiple tickets or accidents could pay around $2,796 or more
- The cost for full coverage for a 16-year-old driver for full coverage can cost $5,210
Car insurance rates for a Ford F-350 Super Duty can also vary considerably based on your driver profile, the model of your F-350 Super Duty, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age
Where you live also has a big influence on Ford F-350 Super Duty insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,860 on average in Louisiana, New York, and Michigan.
| 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 reduce rates by up to $340 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,200 extra per year, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers is expensive and can cost from 42% to 128% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly 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 Best Ford F-350 Super Duty Insurance
Saving money on insurance for a Ford F-350 Super Duty consists of avoiding accidents and claims, having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates every year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The points below are a brief recap of the coverage data covered above.
- You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $325 each year
- Drivers under the age of 20 pay the highest auto insurance rates, as much as $434 per month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,490 more per year to insure a Ford F-350 Super Duty
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
