2021 Ford F250 Super Duty Car Insurance Calculator

Learn and understand how changes to driver risk factors and vehicle options influence insurance rates for a 2021 Ford F250 Super Duty. Change vehicle usage, driver gender, marital status, and the state you live in plus many other factors. Know immediately whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2021 Ford F250 Super Duty is $2,542 per year, or about $212 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,542

Cost Per Month

$212

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ford F250 Super Duty Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2021 Ford F250 Super Duty.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,542
Average Rate
Your Rate
$2,542

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2021 Ford F250 Super Duty trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2021 Ford F250 Super Duty is $2,542.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2021 Ford F250 Super Duty Segment Comparison

The table below compares insurance rates for the 2021 Ford F250 Super Duty against all other models in the heavy duty truck segment. The Ford F250 Super Duty is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ford F250 Super Duty, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford F250 Super Duty.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2021 Ford F250 Super Duty Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Silverado HD 3500$2,352-$190
2Nissan Titan XD$2,358-$184
3GMC Sierra 2500 HD$2,450-$92
4Chevrolet Silverado HD 2500$2,460-$82
2021 Heavy Duty Truck Average$2,501-$41
5GMC Sierra 3500$2,522-$20
6Ford F350 Super Duty$2,530-$12
7Ford F250 Super Duty$2,542--
8Ram Truck 2500$2,546$4
9Ford F450 Super Duty$2,622$80
10Ram Truck 3500$2,630$88

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2021 F250 Super Duty Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Ford F250 Super Duty.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2021 Ford F250 Super Duty Insurance Rates by Trim Level
2021 Ford F250 Super Duty Trim Level Annual Premium Cost Per Month
XL 2WD$2,282$190
XL Super Cab 2WD$2,282$190
XL Crew Cab 2WD$2,348$196
XLT 2WD$2,348$196
XLT Crew Cab 2WD$2,414$201
XLT Super Cab 2WD$2,414$201
XL 4WD$2,418$202
Lariat Crew Cab 2WD$2,476$206
Lariat Super Cab 2WD$2,476$206
XL Crew Cab 4WD$2,484$207
XL Super Cab 4WD$2,484$207
XLT 4WD$2,550$213
XLT Crew Cab 4WD$2,550$213
XLT Super Cab 4WD$2,550$213
King Ranch Crew Cab 2WD$2,606$217
Lariat Super Cab 4WD$2,658$222
Lariat Crew Cab 4WD$2,724$227
King Ranch Crew Cab 4WD$2,786$232
Platinum Crew Cab 4WD$2,852$238
Limited Crew Cab 4WD$3,116$260

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2021 Ford F250 Super Duty for different driver ages.

2021 Ford F250 Super Duty Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,604$800
17$9,222$769
18$8,100$675
19$7,404$617
20$5,604$467
21$5,330$444
22$4,731$394
23$3,893$324
24$3,663$305
25$2,952$246
30$2,692$224
35$2,612$218
40$2,542$212
45$2,388$199
50$2,266$189
55$2,120$177
60$2,126$177
65$2,278$190
70$2,502$209
75$3,010$251
80$3,752$313

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ford F250 Super Duty trim levels.