Ford F-350 Super Duty Insurance Rates

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

Average premium for full coverage: $1,302

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 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 prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below breaks down average Ford F-350 Super Duty insurance rates for additional coverage and risk scenarios.

• The best discount rate is $789
• Choosing higher $1,000 deductibles can save $114 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,302
• Using more expensive low deductibles for comp and collision coverage costs an additional $220 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,796
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $5,210 each year

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates

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

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 $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,860 on average in Louisiana, New York, and Michigan.

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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 Cheap Ford F-350 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-350 Super Duty takes having a good driving record, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief summary of the data touched on in the above illustrations.

• Insureds who purchase increased levels of liability coverage will pay an extra $660 per year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save around $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers age 20 and younger pay the highest auto insurance rates, with premiums being up to $434 each month if comprehensive and collision insurance is included