Cheapest for Ford F-250: Progressive
13,283 reviewsPros & Cons
13,283 reviews2nd Cheapest for Ford F-250: State Farm
18,155 reviewsPros & Cons
18,155 reviews3rd Cheapest for Ford F-250: Libert Mutual
3,792 reviewsPros & Cons
3,792 reviewsThe top insurance companies for best cheap Ford F-250 Super Duty insurance are Progressive, State Farm, and Liberty Mutual. Progressive has the lowest premiums, beginning at $30 a month.
Our Top 10 Picks: Cheap Ford F-250 Super Duty Insurance Companies
These top ten firms offer low-priced premiums and good coverage to meet Ford F-250 Super Duty insurance requirements, but understanding how car insurance works is key to picking the best F-250 insurance company.
Just the Basics
- Get cheap Ford F-250 Super Duty insurance from Progressive
- Progressive is the top pick for low-cost Ford F-250 Super Duty coverage
- State Farm and Liberty Mutual offer great value for your insurance needs
With excellent customer service, these providers offer the right coverage at competitive prices. Shop for the best Ford F-250 Super Duty insurance with our free quote comparison tool. Enter your ZIP code to begin.
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#1 – Progressive: Top Overall Pick
Pros
- Affordable Premiums: Our Progressive car insurance review identifies some of the lowest premiums for Ford F-250 drivers starting at $30 per month.
- Multiple Discounts: Multiple discounts, like bundling, safe driving, and multi-policy discounts, can substantially lower your Ford F-250 car insurance costs.
- Easy Online Management: With a top-rated mobile app and website, Progressiv can quickly handle your policy and monitor coverage information from anywhere.
Cons
- Higher Rates for High-Risk Drivers: Drivers with accident or violation histories can expect higher Ford F-250 insurance rates than at other companies.
- Limited Local Agent Support: As an insurer with an online focus, Progressive may not be the best choice for those who prefer in-person assistance with F-250 insurance.
#2 – State Farm: Best for Reliable Coverage
Pros
- Customer Service: Read our State Farm review for a closer look at its network of local agents who provide individualized policy handling and claims service for F-250 trucks.
- Claims Process: State Farm customer reviews from Ford F-250 drivers commend the prompt, open claims process, which guarantees equitable and timely settlements.
- Financial Strength: State Farm has an A++ rating with A.M. Best, backing its coverage with financial strength for policyholder security.
Cons
- Digital Tools: State Farm’s digital capabilities fall short compared to competitors with more advanced online platforms.
- Higher Premiums for Young Drivers: State Farm has higher premiums for young or inexperienced drivers, making it less competitive.
#3 – Liberty Mutual: Cheapest Customizable Policies
Pros
- Personalizable Coverage: Provides add-ons like accident forgiveness, improved car replacement, and roadside assistance for flexible Ford F-250 Super Duty insurance coverage.
- Good Discounts: Offers discounts to safe drivers, home and auto policy bundling, military personnel, and students with good grades to lower F-250 insurance rates.
- Strong Digital Experience: Features a well-rated mobile app and digital tools that are easy to use for F-250 insurance policy management, claims filing, and document retrieval.
Cons
- Higher Premiums: Without discounts, Liberty Mutual car insurance review shows that its base rates are higher than many competitors.
- Inconsistent Customer Service: Some Ford F-250 Super Duty drivers report slow responses and delays in claims processing, leading to inconsistent service experiences.
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#4 – Farmers: Best Comprehensive Discounts
Pros
- Wide Discount Range: Our Farmers car insurance review list discounts for safe drivers, multi-policy buyers, homeowners, and loyal customers with Ford F-250 Super Duty trucks.
- Personalized Support: Farmers provides customized coverage through its local network of agents, tailoring Ford F-250 Super Duty insurance coverage to individual needs.
- Accident Forgiveness: Farmers protects drivers from premium hikes following their first at-fault accident (if qualified).
Cons
- Higher Premiums for Non-Discounted Drivers: Farmers F-250 Super Duty insurance tends to have higher rates for those who don’t qualify for discounts, making it less affordable.
- Limited Digital Tools: Farmers’ website and mobile app are less user-friendly and lack features compared to other insurers.
#5 – Farm Bureau: Best for Strong Reputation
Pros
- Excellent Customer Service: Provides prompt and efficient customer service. Read about its smooth claims process in our Farm Bureau car insurance review.
- Exclusive Member Discounts: Farm Bureau auto insurance provides members with special discounts and additional perks, which reduce the cost of F-250 insurance coverage.
- Local Agent Support: Through its local agent network, Farm Bureau offers individualized service and tailored options to Ford F-250 Super Duty drivers.
Cons
- Membership Requirement: Customers must become Farm Bureau members before buying Ford F-250 Super Duty insurance.
- Location Variation: Farm Bureau Insurance discounts and coverage options for Ford F-250 trucks vary by city and state, limiting drivers in some areas.
#6 – Allstate: Cheapest For Safe Drivers
Pros
- Safe Driving Savings: F-250 Super Duty drivers can use the Drivewise usage-based program, which pays back good driving with reduced premiums.
- Reliable Financial Strength: Holding an A+ rating from A.M. Best, this insurer ensures stability and trustworthiness. Get more ratings in our Allstate car insurance review.
- Several Coverage Choices: Choose from various add-ons for Ford F-250 Super Duty insurance, such as deductibles and accident forgiveness.
Cons
- Above-Average Premium Costs: Allstate costs more on average than other cheap Ford F-250 Super Duty insurance companies.
- Lower Customer Satisfaction: Allstate ranks lower than top Ford F-250 insurance companies, like State Farm, in annual J.D. Power surveys.
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#7 – Travelers: Best for Industry Experience
Pros
- Industry Experience: Travelers has more than 100 years of experience selling auto and truck insurance. Learn more in our Travelers car insurance review.
- Financially Sound Provider: Boasting an A++ rating from A.M. Best, Travlers assures F-250 policyholders of its capacity to settle claims and remain financially sound in the long term.
- Bundling Discounts Offered: People who bundle auto, home, or other policies are rewarded with Ford F-250 Super Duty insurance discounts.
Cons
- Fewer Local Agents: Compared to competitors, this insurer has limited in-person service options, making it less convenient for F-250 drivers who prefer direct, face-to-face support.
- App Needs Improvement: Some policyholders experience usability issues when managing their Ford F-250 Super Duty insurance online.
#8 – Geico: Best Mobile Experience
Pros
- Best-Rated Mobile App: The extremely user-friendly mobile app enables policyholders to efficiently manage Ford insurance policies, view digital ID cards, and make claims.
- Affordable Premiums: It’s an inexpensive option for Ford F-250 owners seeking to save money. Read our Geico car insurance review to compare competitive prices.
- Multi-Vehicle Discounts: Geico gives drivers a 25% discount if they insure more than one car on a Ford F-250 Super Duty auto insurance policy.
Cons
- Minimum In-Person Support: As a web-only provider, it does not have a dense network of local agents, which is a limitation for consumers who prefer live channels.
- Limited Options for Customization: Although it provides necessary protection, it lacks specific add-ons, limiting customization for Ford F-250 Super Duty insurance.
#9 – Nationwide: Cheapest Family-Oriented Policies
Pros
- Best for Families: Our Nationwide Insurance review shows its discounts for multiple cars and customizable family coverage for young Ford F-250 drivers on a parent’s policy.
- Vanishing Deductible: Remain claim-free to reduce Ford F-250 Super Duty insurance deductibles, which reduces out-of-pocket costs for good drivers if they’re ever in an accident.
- Solid Claims Support: Praised for timely customer service, many policyholders appreciate efficient and timely Ford F-250 insurance claims settlement.
Cons
- Higher Initial Rates: Ford F-250 Super Duty insurance premiums are usually high before offering available discounts, which could be expensive for new clients.
- Limited Availability: Certain discounts and policy options aren’t available in all states, restricting accessibility for some F-250 Super Duty owners.
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#10 – American Family: Cheapest For Rural Drivers
Pros
- Best for Rural Areas: American Family car insurance offers F-250 Super Duty policies specially designed for rural drivers, protecting less populated areas.
- Exclusive Savings Opportunities: Existing customers are entitled to special discounts, including combining home and auto insurance policies for extra savings.
- Top-Shelf Customer Service: Renowned for outstanding customer service, American Family provides smooth Ford F-250 Super Duty insurance claims handling.
Cons
- Higher Premiums Without Discounts: American Family’s standard premiums tend to be higher than other Ford F-250 insurance providers.
- Limited State Availability: Not offered in every state, which could limit choices for F-250 drivers in some regions. Find coverage near you in our AmFam car insurance review.
Car Insurance Coverages and Rates for Ford F-250 Super Duty
The cost of insuring a Ford F-250 Super Duty depends on the provider. Progressive offers the lowest rates at $30 per month for minimum coverage and $91 for full coverage, while American Family is higher at $79 and $244.
Ford F-250 Super Duty Car Insurance Monthly Rates
Some companies, like Farmers and Nationwide, provide budget-friendly full coverage. Knowing the different types of car insurance coverage can help you choose affordable, comprehensive policies.
Ford F-250 Super Duty Insurance Savings and Discounts
Securing affordable insurance for your Ford F-250 Super Duty involves discounts for bundling, anti-theft, good driving, low mileage, and paying premiums in full. Programs like Allstate’s Drivewise and Geico’s Safe Driver offer discounts for safe driving.
Car Insurance Discounts From the Top Providers for Ford F-250s
Adding anti-theft devices to your Ford F-250 Super Duty can lead to discounts. Ford’s new security package may qualify you for more savings, making your vehicle safer and cheaper to insure.
Progressive’s Snapshot program offers Ford F-250 Super Duty owners up to 30% off for safe driving, plus multi-policy and multi-vehicle discounts.
Brad Larson
Licensed Insurance Agent
A clean driving record brings discounts up to 30% with providers like Farmers and Progressive. How to drive safely, no matter the time of day, helps maintain your premium at a lower rate.
Discounts for bundling and safe driving are great for teen drivers, and parents can save on insurance by insuring multiple vehicles or adding their teen to the same policy.
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Finding Cheap Ford F-250 Super Duty Insurance
Securing cheap Ford F-250 Super Duty insurance is easier when you know what to look for. Follow these five steps to lower costs while keeping your truck protected.
- Compare Top Providers: Progressive, State Farm, and Liberty Mutual offer affordable rates starting at $30 per month, great coverage, and great customer service.
- Understand Coverage Options: Choose between minimum liability or full coverage. Ensure your policy includes bodily injury liability insurance coverage for financial protection.
- Maximize Discounts: Save with safe driver, bundling, low mileage, and anti-theft discounts. Some insurers also offer rewards for using telematics and safe driving programs.
- Consider Specialized Coverage: If you use your F-250 for work or ridesharing, opt for policies from Progressive, State Farm, or Farmers that provide commercial or rideshare protection.
- Compare Quotes: Using online tools, compare quotes from several insurance providers to choose the best price and coverage for your Ford F-250 Super Duty.
Reducing the cost of your insurance does not need to come at the expense of protection. Compare companies, educate yourself about your policy, and take advantage of available discounts to get a policy that fits your requirements and budget.
Expert Tips for Affordable Ford F-250 Super Duty Insurance
Finding cheap Ford F-250 Super Duty insurance is simple with top insurers such as Progressive, State Farm, and Liberty Mutual, which have rates from $30 per month. These insurers offer quality coverage without breaking the bank, ensuring you are protected for less.
Reducing insurance rates can offset the cost of car maintenance expenses for enhanced savings. Reduce your costs by comparing prices, selecting adequate coverage, and applying discounts on bundling, anti-theft systems, and safe driving for optimal insurance savings.
If you are comparing the F-250 versus the F-350 insurance price, understanding the coverage differences allows you to make a decision. Finding insurance can be overwhelming, yet by doing it correctly, you can get good quality coverage that will meet your needs and budget. Use our free comparison tool to get started. Enter your ZIP code here.
Frequently Asked Questions
What factors affect the cost of Ford F-250 Super Duty insurance?
Insurance costs depend on factors like driving history, coverage level, location, vehicle safety features, and insurer-specific discounts. Higher deductibles and bundling policies can also impact your premium. Compare the factors that affect the price of car insurance to learn more.
How does the Ford F-250 Super Duty compare to other trucks in terms of insurance rates?
The Ford F-250 Super Duty typically has higher insurance costs than smaller trucks due to its size, power, and repair costs. However, discounts for safety features and low mileage can help lower premiums. Enter your ZIP code into our free comparison tool to see how much Ford F-250 insurance costs in your area.
What type of coverage is best for a Ford F-250 Super Duty?
Full coverage is recommended for newer models to protect against accidents, theft, and damage, while liability-only policies may be sufficient for older trucks with lower value.
Do insurance companies offer discounts specifically for Ford F-250 Super Duty owners?
Yes, insurers offer discounts for safety features, anti-theft devices, bundling policies, and safe driving. Some companies also provide savings for commercial use or multi-vehicle policies. Read more about how to lower your car insurance costs.
Is it more expensive to insure a diesel Ford F-250 compared to a gas-powered model?
Diesel models may have slightly higher insurance rates due to their increased value, repair costs, and potential commercial use, but the difference varies by insurer.
Does using a Ford F-250 Super Duty for work affect insurance rates?
Yes, if you use your truck for business or towing, you may need commercial auto insurance, which can be more expensive than personal coverage. Some insurers offer hybrid policies for mixed-use vehicles. Explore things you do that can raise your premiums for more insight.
Can bundling home and auto insurance reduce Ford F-250 Super Duty premiums?
Many insurers offer discounts when you bundle auto and home insurance, which can significantly lower your overall insurance costs while simplifying policy management.
How can adding an anti-theft system lower Ford F-250 Super Duty insurance costs?
Installing anti-theft devices like alarms, tracking systems, and immobilizers can qualify you for discounts, as they reduce the risk of theft and make your truck safer.
Does the Ford F-250’s safety rating influence insurance prices?
Yes, trucks with high safety ratings and crash-test performance often have lower insurance premiums, as they pose less risk for injuries and damage in an accident. Ready to find affordable car insurance? Get started today by entering your ZIP code into our free comparison tool.
What’s the best way to compare Ford F-250 Super Duty insurance rates?
The best way is to get quotes from multiple insurers, compare coverage options, and consider factors like customer service, claims process, and available discounts before choosing a policy (Read More: Best Car Insurance For a Ford Raptor).
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco.
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