Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Ford F-250 Super Duty? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford F-250 Super Duty car insurance facts

  • Average full coverage auto insurance premium: $135/month

  • Most affordable companies: USAA ($82/month) & GEICO ($90/month)

  • Edge car insurance cost vs. average rates: $76 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford F-250 Super Duty by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Ford F-250 Super Duty insurer costs by state:

Risk factors affecting Ford F-250 Super Duty car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford F-250 Super Duty car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford F-250 Super Duty repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford F-250 Super Duty affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1835
Auto-Owners$1487
Cincinnati Insurance$2346
Direct Auto$2259
Erie$1687
GEICO$1260
Kentucky Farm Bureau$2016
Liberty Mutual$1789
MetLife$2470
Nationwide$1722
Plymouth Rock Insurance$1846
Progressive$1948
State Farm$1603
Tennessee Farmers$1311
Texas Farm Bureau$1725
The Hanover$2174
Travelers$1586
USAA$1151

Compare all 2021 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$1735

List Price

$34230

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited - Base Engine: 6.2-liter V-8 at 385 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2020 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1826
Auto-Owners$1476
Erie$1681
Farmers$1980
GEICO$1160
Liberty Mutual$1784
Mercury$1836
MetLife$2408
Nationwide$1720
Progressive$1942
State Farm$1599
Tennessee Farmers$1288
Texas Farm Bureau$1724
The Hanover$2134
Travelers$1580
USAA$1024

Compare all 2020 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$1670

List Price

$34035

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited - Base Engine: 6.2-liter V-8 at 385 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1587
Auto-Owners$1049
Erie$1249
GEICO$1020
Kentucky Farm Bureau$1835
Liberty Mutual$1490
Mercury$1691
MetLife$2061
Nationwide$1433
Progressive$1784
State Farm$1180
Tennessee Farmers$1035
Texas Farm Bureau$1345
The Hanover$1906
Travelers$1059
USAA$987

Compare all 2019 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$1529

List Price

$33150

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited - Base Engine: 6.2-liter V-8 at 385 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1184
Allied$ 1184
American Family$ 1054
American Family$ 1054
Country$ 1120
Country$ 1120
Erie$ 670
Erie$ 670
GEICO$ 554
GEICO$ 554
Nationwide$ 913
Nationwide$ 913
Plymouth Rock Insurance$ 1158
Plymouth Rock Insurance$ 1158
Progressive$ 917
Progressive$ 917
State Farm$ 844
State Farm$ 844
Tennessee Farmers$ 1077
Tennessee Farmers$ 1077
USAA$ 846
USAA$ 846
Vermont Mutual$ 1128
Vermont Mutual$ 1128

Compare all 2018 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 1027

List Price

$ 33150

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited

2017 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 975
American Family$ 975
Country$ 1043
Country$ 1043
Erie$ 649
Erie$ 649
GEICO$ 623
GEICO$ 623
Nationwide$ 904
Nationwide$ 904
Progressive$ 833
Progressive$ 833
Quincy Mutual$ 1107
Quincy Mutual$ 1107
State Farm$ 736
State Farm$ 736
Tennessee Farmers$ 1016
Tennessee Farmers$ 1016
Texas Farm Bureau$ 833
Texas Farm Bureau$ 833
USAA$ 747
USAA$ 747
Vermont Mutual$ 1053
Vermont Mutual$ 1053

Compare all 2017 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 965

List Price

$ 32535

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2016 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 981
American Family$ 981
Country$ 1040
Country$ 1040
Erie$ 610
Erie$ 610
GEICO$ 636
GEICO$ 636
Nationwide$ 934
Nationwide$ 934
Progressive$ 869
Progressive$ 869
Quincy Mutual$ 1084
Quincy Mutual$ 1084
State Farm$ 729
State Farm$ 729
Tennessee Farmers$ 870
Tennessee Farmers$ 870
Texas Farm Bureau$ 824
Texas Farm Bureau$ 824
USAA$ 787
USAA$ 787
Vermont Mutual$ 1028
Vermont Mutual$ 1028

Compare all 2016 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 959

List Price

$ 32385

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2015 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1064
Acuity$ 1064
American Family$ 977
American Family$ 977
Country$ 1000
Country$ 1000
Erie$ 601
Erie$ 601
GEICO$ 572
GEICO$ 572
Nationwide$ 935
Nationwide$ 935
Plymouth Rock Insurance$ 1074
Plymouth Rock Insurance$ 1074
Progressive$ 843
Progressive$ 843
State Farm$ 680
State Farm$ 680
Tennessee Farmers$ 863
Tennessee Farmers$ 863
USAA$ 767
USAA$ 767
Vermont Mutual$ 945
Vermont Mutual$ 945

Compare all 2015 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 897

List Price

$ 31045

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2014 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 960
Acuity$ 960
Allstate$ 1014
Allstate$ 1014
American Family$ 886
American Family$ 886
Country$ 919
Country$ 919
Erie$ 571
Erie$ 571
GEICO$ 516
GEICO$ 516
Nationwide$ 900
Nationwide$ 900
Progressive$ 747
Progressive$ 747
State Farm$ 638
State Farm$ 638
Tennessee Farmers$ 807
Tennessee Farmers$ 807
USAA$ 692
USAA$ 692
Vermont Mutual$ 853
Vermont Mutual$ 853

Compare all 2014 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 810

List Price

$ 30035

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2013 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 955
Acuity$ 955
American Family$ 889
American Family$ 889
Country$ 946
Country$ 946
Erie$ 563
Erie$ 563
GEICO$ 545
GEICO$ 545
Nationwide$ 916
Nationwide$ 916
Progressive$ 814
Progressive$ 814
State Farm$ 641
State Farm$ 641
Tennessee Farmers$ 823
Tennessee Farmers$ 823
Texas Farm Bureau$ 765
Texas Farm Bureau$ 765
USAA$ 680
USAA$ 680
Vermont Mutual$ 860
Vermont Mutual$ 860

Compare all 2013 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 849

List Price

$ 29875

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2012 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 917
Acuity$ 917
American Family$ 869
American Family$ 869
Country$ 925
Country$ 925
Erie$ 549
Erie$ 549
GEICO$ 500
GEICO$ 500
Nationwide$ 892
Nationwide$ 892
Progressive$ 775
Progressive$ 775
State Farm$ 608
State Farm$ 608
Tennessee Farmers$ 789
Tennessee Farmers$ 789
Texas Farm Bureau$ 741
Texas Farm Bureau$ 741
USAA$ 631
USAA$ 631
Vermont Mutual$ 802
Vermont Mutual$ 802

Compare all 2012 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 804

List Price

$ 29065

Trims Available

XL - XLT - Lariat - King Ranch

2011 Ford F-250 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Arbella$ 967
Arbella$ 967
Country$ 910
Country$ 910
Erie$ 543
Erie$ 543
GEICO$ 514
GEICO$ 514
Nationwide$ 888
Nationwide$ 888
Progressive$ 770
Progressive$ 770
Quincy Mutual$ 891
Quincy Mutual$ 891
State Farm$ 641
State Farm$ 641
Tennessee Farmers$ 790
Tennessee Farmers$ 790
Texas Farm Bureau$ 729
Texas Farm Bureau$ 729
USAA$ 615
USAA$ 615
Vermont Mutual$ 785
Vermont Mutual$ 785

Compare all 2011 Ford F-250 Super Duty rates

Average Cost to Insure Per Year

$ 820

List Price

$ 28715

Trims Available

XL - XLT - Lariat - King Ranch