Ford F-350 Super Duty Insurance Rates

The average insurance prices for a Ford F-350 Super Duty are $1,302 every 12 months for full coverage. Comprehensive insurance costs around $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. Teens cost the most to insure at up to $5,210 a year.

Average premium for full coverage: $1,302

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all F-350 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below shows average Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $789
• Choosing higher $1,000 deductibles can save about $114 a year
• The average price for a good driver age 40 using $500 deductibles is $1,302
• Selecting pricier low deductibles for comp and collision coverage costs an extra $220 every year
• Unlucky drivers with serious driving violations could pay at least $2,796
• Policy cost to insure a teen driver for full coverage can be $5,210 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,500 to $2,200 extra every year, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers ranges as much as 42% to 128% more than the average policy. View High Risk Driver Rates

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 $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,860 on average in Michigan, Louisiana, and New York.

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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 Shop for Affordable Ford F-350 Super Duty Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a brief review of the car insurance concepts covered above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,490 more every year for car insurance
• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Policyholders who may need higher liability limits will pay approximately $660 each year to raise limits from a 30/60 limit to a 250/500 level