Ford F-350 Super Duty Insurance Rates
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UPDATED: May 22, 2024
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Average insurance rates for a Ford F-350 Super Duty are $1,376 a year for full coverage insurance. Comprehensive costs approximately $244 each year, collision insurance costs $340, and liability coverage is $592. Liability-only coverage costs around $652 a year, and high-risk coverage costs around $2,956. Teenage drivers receive the highest rates at up to $5,428 a year.
Average premium for full coverage: $1,376
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and F-350 Super Duty models.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $652 for liability-only coverage to a high rate of $2,956 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.
These examples illustrate why all drivers should compare rates quotes using their specific location, rather than using 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.
Additional Charts and Tables
The chart below illustrates average Ford F-350 Super Duty insurance rates for additional coverage and risk scenarios.
- The best discount rate is $825
- Raising to $1,000 deductibles will save $134 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,376
- Using low deductibles bumps up the cost to $1,630
- Unlucky drivers who are prone to accidents and violations could pay around $2,956
- The cost that insures a teenage driver can cost $5,428
Car 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 record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age
Where you live also has a big influence on Ford F-350 Super Duty insurance rates. A middle-age driver might find rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,242 | -$134 | -9.7% |
| Alaska | $1,054 | -$322 | -23.4% |
| Arizona | $1,140 | -$236 | -17.2% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,566 | $190 | 13.8% |
| Colorado | $1,312 | -$64 | -4.7% |
| Connecticut | $1,412 | $36 | 2.6% |
| Delaware | $1,556 | $180 | 13.1% |
| Florida | $1,718 | $342 | 24.9% |
| Georgia | $1,268 | -$108 | -7.8% |
| Hawaii | $986 | -$390 | -28.3% |
| Idaho | $932 | -$444 | -32.3% |
| Illinois | $1,022 | -$354 | -25.7% |
| Indiana | $1,036 | -$340 | -24.7% |
| Iowa | $932 | -$444 | -32.3% |
| Kansas | $1,304 | -$72 | -5.2% |
| Kentucky | $1,872 | $496 | 36.0% |
| Louisiana | $2,034 | $658 | 47.8% |
| Maine | $850 | -$526 | -38.2% |
| Maryland | $1,134 | -$242 | -17.6% |
| Massachusetts | $1,098 | -$278 | -20.2% |
| Michigan | $2,388 | $1,012 | 73.5% |
| Minnesota | $1,152 | -$224 | -16.3% |
| Mississippi | $1,646 | $270 | 19.6% |
| Missouri | $1,220 | -$156 | -11.3% |
| Montana | $1,478 | $102 | 7.4% |
| Nebraska | $1,082 | -$294 | -21.4% |
| Nevada | $1,648 | $272 | 19.8% |
| New Hampshire | $988 | -$388 | -28.2% |
| New Jersey | $1,536 | $160 | 11.6% |
| New Mexico | $1,216 | -$160 | -11.6% |
| New York | $1,446 | $70 | 5.1% |
| North Carolina | $790 | -$586 | -42.6% |
| North Dakota | $1,126 | -$250 | -18.2% |
| Ohio | $950 | -$426 | -31.0% |
| Oklahoma | $1,410 | $34 | 2.5% |
| Oregon | $1,258 | -$118 | -8.6% |
| Pennsylvania | $1,312 | -$64 | -4.7% |
| Rhode Island | $1,832 | $456 | 33.1% |
| South Carolina | $1,246 | -$130 | -9.4% |
| South Dakota | $1,158 | -$218 | -15.8% |
| Tennessee | $1,202 | -$174 | -12.6% |
| Texas | $1,654 | $278 | 20.2% |
| Utah | $1,020 | -$356 | -25.9% |
| Vermont | $940 | -$436 | -31.7% |
| Virginia | $822 | -$554 | -40.3% |
| Washington | $1,062 | -$314 | -22.8% |
| West Virginia | $1,260 | -$116 | -8.4% |
| Wisconsin | $952 | -$424 | -30.8% |
| Wyoming | $1,224 | -$152 | -11.0% |
Using high physical damage deductibles can reduce rates by up to $390 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. 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 | $390 | $626 | $466 | $1,682 |
| 2023 Ford F-350 Super Duty | $372 | $600 | $488 | $1,660 |
| 2022 Ford F-350 Super Duty | $356 | $596 | $498 | $1,650 |
| 2021 Ford F-350 Super Duty | $344 | $582 | $520 | $1,646 |
| 2020 Ford F-350 Super Duty | $332 | $558 | $536 | $1,626 |
| 2019 Ford F-350 Super Duty | $314 | $538 | $554 | $1,606 |
| 2018 Ford F-350 Super Duty | $302 | $500 | $564 | $1,566 |
| 2017 Ford F-350 Super Duty | $290 | $470 | $570 | $1,530 |
| 2016 Ford F-350 Super Duty | $278 | $422 | $574 | $1,474 |
| 2014 Ford F-350 Super Duty | $250 | $364 | $580 | $1,394 |
| 2013 Ford F-350 Super Duty | $244 | $340 | $592 | $1,376 |
| 2010 Ford F-350 Super Duty | $206 | $262 | $592 | $1,260 |
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 Low Cost Ford F-350 Super Duty Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare prices at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below is a review of the data covered in the above illustrations.
- Consumers who purchase higher levels of liability will pay an extra $650 annually to raise from a minimum limit to the 250/500 level
- It is possible to save around $160 per year just by quoting online in advance
- Increasing deductibles can save approximately $400 each year
- Teenage drivers pay the highest auto insurance rates, costing up to $452 per month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,428 |
| 20 | $3,138 |
| 30 | $1,404 |
| 40 | $1,376 |
| 50 | $1,260 |
| 60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,514 |
| $500 | $1,376 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,376 |
| 50/100 | $1,371 |
| 100/300 | $1,489 |
| 250/500 | $1,797 |
| 100 CSL | $1,418 |
| 300 CSL | $1,679 |
| 500 CSL | $1,869 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,670 |
| 20 | $5,002 |
| 30 | $2,990 |
| 40 | $2,956 |
| 50 | $2,826 |
| 60 | $2,794 |
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 | $71 |
| Multi-vehicle | $74 |
| Homeowner | $24 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $52 |
| Advance Quote | $62 |
| Online Quote | $94 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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