Ford F450 Super Duty Car Insurance Calculator

Explore and understand how seemingly small changes affect the cost of insurance for a Ford F450 Super Duty. Tweak settings like credit rating, policy coverages, and liability limits to see how insurance cost is affected. See instantly if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2024 Ford F450 Super Duty is $2,802 per year, or about $234 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

$2,802

Cost Per Month

$234

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 F450 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 Ford F450 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.

$2,802
Average Rate
Your Rate
$2,802

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Ford F450 Super Duty.

The 'Average Rate' is a combined value for all Ford F450 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 2024 Ford F450 Super Duty is $2,802.

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.

2024 Ford F450 Super Duty Segment Comparison

The table below compares insurance rates for the 2024 Ford F450 Super Duty against all other models in the heavy duty truck segment. The Ford F450 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 F450 Super Duty, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford F450 Super Duty.

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

2024 Ford F450 Super Duty Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$2,384-$418
2GMC Sierra 3500$2,482-$320
3Chevrolet Silverado HD 3500$2,504-$298
4Chevrolet Silverado HD 2500$2,572-$230
5Nissan Titan XD$2,590-$212
2024 Heavy Duty Truck Average$2,694-$108
6Ford F450 Super Duty$2,802--
7Ford F250 Super Duty$2,816$14
8Ford F350 Super Duty$2,836$34
9Ram Truck 3500$2,964$162
10Ram Truck 2500$2,988$186

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.

2024 F450 Super Duty Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Ford F450 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.

2024 Ford F450 Super Duty Insurance Rates by Trim Level
2024 Ford F450 Super Duty Trim Level Annual Premium Cost Per Month
XL Regular Cab$2,570$214
XL Regular Cab 4WD$2,630$219
XL Crew Cab$2,664$222
XLT Regular Cab 4WD$2,704$225
XL Crew Cab 4WD$2,716$226
XLT Crew Cab 4WD$2,752$229
Lariat Crew Cab 4WD$2,878$240
King Ranch Crew Cab 4WD$2,998$250
Platinum Crew Cab 4WD$3,012$251
Limited Crew Cab 4WD$3,086$257

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 2024 Ford F450 Super Duty for different driver ages.

2024 Ford F450 Super Duty Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,035$836
17$9,765$814
18$8,826$736
19$7,993$666
20$6,124$510
21$5,840$487
22$5,234$436
23$4,248$354
24$4,028$336
25$3,262$272
30$2,994$250
35$2,874$240
40$2,802$234
45$2,610$218
50$2,468$206
55$2,306$192
60$2,314$193
65$2,476$206
70$2,666$222
75$3,126$261
80$3,872$323

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 F450 Super Duty trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Ford F450 Super Duty.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Ford F450 Super Duty Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Ford F450 Super Duty$2,802$234
2023 Ford F450 Super Duty$3,044$254
2022 Ford F450 Super Duty$2,810$234
2021 Ford F450 Super Duty$2,622$219
2020 Ford F450 Super Duty$2,540$212
2019 Ford F450 Super Duty$2,460$205
2018 Ford F450 Super Duty$2,504$209
2017 Ford F450 Super Duty$2,402$200
2016 Ford F450 Super Duty$2,188$182
2015 Ford F450 Super Duty$2,282$190
2014 Ford F450 Super Duty$1,916$160
2013 Ford F450 Super Duty$1,794$150

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 Ford F450 Super Duty trim levels for each model year.