Ford F-150 vs. F-250 Insurance Cost Comparison

Does the Ford F150 or F250 Super Duty have cheaper car insurance? We compare rates for every trim back to 2015 for Ford's half-ton and three-quarter ton trucks.

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  • At an average cost of $2,684 per year, a 2024 Ford F150 is generally cheaper to insure than a 2024 Ford F250 Super Duty by an average of $200 per year.
  • For a 2024 Ford F150, average full-coverage car insurance rates range from $2,254 to $3,120 per year, while a 2024 Ford F250 Super Duty ranges from $2,642 to $3,268.
  • Average car insurance cost per month for the Ford F250 Super Duty is 6.9% more expensive than the Ford F150, at $224 versus $240, a difference of $16.

How does F-150 insurance compare to a F-250?

For new F150 and F250 models, the cheaper model to insure on average is the Ford F150. Insurance on the Ford F150 averages $2,684 per year, while the Ford F250 Super Duty averages $2,884 per year.

Out of 27 Ford F150 trims, the cheapest 2024 model to insure is the XL Super Cab 4WD model at an average cost of $2,254 per year. For the 14 trims available for the Ford F250 Super Duty, the cheapest 2024 trim to insure is the XL Regular Cab trim at a cost of $2,642 per year, or around $220 per month.

When all 41 trims of both models are combined and compared, the lowest-cost model and trim level is the Ford F150 XL Super Cab 4WD at a cost of $2,254 per year. The most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD costing $3,268 per year.

The table shown below compares and ranks the cost of car insurance for 2024 Ford F150 and Ford F250 Super Duty models, broken down by trim level.

2024 Model Year Ford F150 vs. Ford F250 Super Duty Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,254$188
$2,266$189
$2,370$198
$2,386$199
$2,420$202
$2,428$202
$2,490$208
$2,504$209
$2,528$211
$2,562$214
$2,592$216
$2,642$220
$2,690$224
$2,698$225
$2,700$225
$2,712$226
$2,734$228
$2,740$228
$2,752$229
$2,762$230
$2,762$230
$2,762$230
$2,782$232
$2,788$232
$2,790$233
$2,792$233
$2,804$234
$2,816$235
$2,834$236
$2,866$239
$2,958$247
$2,970$248
$2,974$248
$2,978$248
$3,002$250
$3,024$252
$3,084$257
$3,120$260
$3,130$261
$3,136$261
$3,268$272

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on October 24, 2025

Annual and monthly insurance cost by trim level for a 2024 Ford F150 and a 2024 Ford F250 Super Duty
Annual and monthly insurance cost by trim level for a 2024 Ford F150 and a 2024 Ford F250 Super Duty

The chart below demonstrates the average cost to insure both 2024 models rated for drivers aged 20 to 50. Insurance cost ranges from $2,378 to $5,432 per year for a 2024 Ford F150, and $2,554 to $5,854 for a 2024 Ford F250 Super Duty for the driver ages used.

Average car insurance premiums for 2024 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

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Data Methodology: Rates based on a 2024 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$8,361$9,031
20-Year-Old$5,432$5,854
25-Year-Old$3,124$3,358
30-Year-Old$2,864$3,076
40-Year-Old$2,684$2,884
50-Year-Old$2,378$2,554
60-Year-Old$2,224$2,390

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated October 24, 2025

The two tables below display trim level insurance cost averages for both 2024 models, as well as the overall average rate for each model. The 2024 Ford F150 defeats the 2024 Ford F250 Super Duty for the cheapest average car insurance rates.

2024 Ford F150

$2,684

Insurance Rates by Trim Level for a 2024 Ford F150
2024 Ford F150 TrimsRate
XL Super Cab 4WD$2,254
XL Regular Cab2,266
XL Super Cab2,370
XL Regular Cab 4WD2,386
XL SuperCrew2,420
STX Super Cab2,428
XLT Super Cab2,490
XL SuperCrew 4WD2,504
XLT SuperCrew2,528
XLT Super Cab 4WD2,562
XLT SuperCrew 4WD2,592
Tremor SuperCrew 4WD2,690
Lariat SuperCrew2,698
Lariat SuperCrew 4WD2,740
Lightning Pro2,752
King Ranch SuperCrew2,762
Platinum SuperCrew2,762
Platinum SuperCrew 4WD2,762
Raptor SuperCrew 4WD2,788
King Ranch SuperCrew 4WD2,790
Lightning XLT Standard Range2,816
Lightning XLT Extended Range2,958
Lightning Lariat Standard Range2,970
Lightning Flash Extended Range2,978
Lightning Lariat Extended Range3,024
Lightning Platinum3,084
Lightning Platinum Black Special Edition3,120
2024 Ford F150 Average Rate$2,684

2024 Ford F250 Super Duty

$2,884

Insurance Rates by Trim Level for 2024 Ford F150
2024 Ford F250 Super Duty TrimsRate
XL Regular Cab$2,642
XL Super Cab2,700
XL Regular Cab 4WD2,712
XL Crew Cab2,734
XLT Regular Cab 4WD2,782
XL Crew Cab 4WD2,792
XL Super Cab 4WD2,804
XLT Super Cab 4WD2,834
XLT Crew Cab 4WD2,866
Lariat Super Cab 4WD2,974
Lariat Crew Cab 4WD3,002
King Ranch Crew Cab 4WD3,130
Platinum Crew Cab 4WD3,136
Limited Crew Cab 4WD3,268
2024 Ford F250 Super Duty Average Rate$2,884

2023 Ford F150 vs. Ford F250 Super Duty

For new 2023 F150 and F250 models, the cheaper model to insure on average is the Ford F150. Insurance rates on a Ford F150 cost an average of $2,370 per year, and insurance for a Ford F250 Super Duty averages $2,818 per year.

For the 27 trim levels available for the 2023 Ford F150, the cheapest trim to insure is the XL Super Cab 4WD trim at an average cost of $2,032 per year, or about $169 per month.

Out of the 14 trims available for the Ford F250 Super Duty, the cheapest 2023 trim to insure is the XL Regular Cab model at a cost of $2,598.

When rates for all 41 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Ford F150 XL Super Cab 4WD at an average rate of $2,032 per year, and the most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $3,180 per year.

The chart shown below shows Ford F150 and Ford F250 Super Duty car insurance rates for the 2023 model year, grouped by driver age.

2023 Model Year Ford F150 vs. Ford F250 Super Duty Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,032$169
$2,058$172
$2,160$180
$2,172$181
$2,186$182
$2,208$184
$2,244$187
$2,274$190
$2,280$190
$2,310$193
$2,310$193
$2,340$195
$2,360$197
$2,416$201
$2,432$203
$2,446$204
$2,446$204
$2,460$205
$2,474$206
$2,482$207
$2,496$208
$2,532$211
$2,542$212
$2,562$214
$2,576$215
$2,582$215
$2,598$217
$2,618$218
$2,648$221
$2,662$222
$2,680$223
$2,708$226
$2,728$227
$2,740$228
$2,778$232
$2,802$234
$2,902$242
$2,932$244
$3,048$254
$3,056$255
$3,180$265

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on October 24, 2025

Annual and monthly insurance cost by trim level for a 2023 Ford F150 and a 2023 Ford F250 Super Duty
Annual and monthly insurance cost by trim level for a 2023 Ford F150 and a 2023 Ford F250 Super Duty

The next chart shows the average cost to insure both 2023 models for drivers aged 20 to 50. Average insurance cost ranges from $2,100 to $4,736 per year for a 2023 Ford F150, and $2,502 to $5,812 for a 2023 Ford F250 Super Duty for the example age groups.

Average car insurance premiums for 2023 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2023 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$7,255$9,007
20-Year-Old$4,736$5,812
25-Year-Old$2,752$3,282
30-Year-Old$2,528$3,000
40-Year-Old$2,370$2,818
50-Year-Old$2,100$2,502
60-Year-Old$1,966$2,344

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated October 24, 2025

The tables below show trim level insurance rates for each 2023 model, along with the average rate for each model. The model with the cheapest average car insurance rates for 2023 is the Ford F150.

2023 Ford F150

$2,370

Insurance Rates by Trim Level for a 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$2,032
XL Regular Cab2,058
XL Super Cab2,160
XLT Regular Cab 4WD2,172
XL Regular Cab 4WD2,186
XL SuperCrew2,208
XLT Regular Cab2,244
XLT Super Cab2,274
XL SuperCrew 4WD2,280
XLT SuperCrew2,310
XLT Super Cab 4WD2,310
XLT SuperCrew 4WD2,340
Lightning Pro2,360
Lariat SuperCrew2,416
Lightning XLT2,432
Lariat SuperCrew 4WD2,446
Tremor SuperCrew 4WD2,446
King Ranch SuperCrew2,460
Platinum SuperCrew2,474
King Ranch SuperCrew 4WD2,482
Platinum SuperCrew 4WD2,496
Lightning Lariat2,532
Raptor SuperCrew 4WD2,542
Lightning XLT Premium2,562
Limited SuperCrew2,576
Lightning Lariat Premium2,582
Lightning Platinum2,618
2023 Ford F150 Average Rate$2,370

2023 Ford F250 Super Duty

$2,818

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford F250 Super Duty TrimsRate
XL Regular Cab$2,598
XL Super Cab2,648
XL Regular Cab 4WD2,662
XL Crew Cab2,680
XL Super Cab 4WD2,708
XLT Regular Cab 4WD2,728
XL Crew Cab 4WD2,740
XLT Super Cab 4WD2,778
XLT Crew Cab 4WD2,802
Lariat Super Cab 4WD2,902
Lariat Crew Cab 4WD2,932
King Ranch Crew Cab 4WD3,048
Platinum Crew Cab 4WD3,056
Limited Crew Cab 4WD3,180
2023 Ford F250 Super Duty Average Rate$2,818

2022 Ford F150 vs. Ford F250 Super Duty

When comparing car insurance rates for 2022 models, a Ford F150 costs an average of $2,118 per year to insure and a Ford F250 Super Duty costs $2,602, making the Ford F150 cheaper to insure by $484 per year.

The chart shown below demonstrates the average cost to insure both models using different driver ages. For a 2022 Ford F150, average insurance cost ranges from $1,880 to $4,250 per year for the included driver ages. A 2022 Ford F250 Super Duty costs from $2,324 to $5,338 to insure per year.

Average car insurance premiums for 2022 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2022 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$6,517$8,243
20-Year-Old$4,250$5,338
25-Year-Old$2,454$3,024
30-Year-Old$2,250$2,758
40-Year-Old$2,118$2,602
50-Year-Old$1,880$2,324
60-Year-Old$1,760$2,180

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated October 24, 2025

The 2022 Ford F150 has 31 trim levels available, with the cheapest trim to insure being the XL Regular Cab 4WD model at an average cost of $1,826 per year. For the 22 trim levels available for the Ford F250 Super Duty, the cheapest 2022 trim to insure is the XL Regular Cab trim at a cost of $2,376 per year, or around $198 per month.

When rates are compared for the 53 trim levels of both 2022 models, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average of $1,826 per year, and the most expensive trim is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $2,886 per year.

The next tables show trim level insurance rates for each 2022 model, along with an average cost for each model. The cheapest model to insure for the 2022 model year is the Ford F150.

2022 Ford F150

$2,118

Insurance Rates by Trim Level for a 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,826
XL Super Cab 4WD1,900
XLT Regular Cab 4WD1,928
Lightning Pro1,946
XL SuperCrew 4WD1,954
XL Regular Cab1,968
XLT Super Cab 4WD1,968
XLT SuperCrew 4WD1,996
Lariat Super Cab 4WD2,038
XL Super Cab2,056
Lariat SuperCrew 4WD2,058
Tremor SuperCrew 4WD2,078
Lightning XLT2,078
XLT Regular Cab2,092
Lightning XLT Premium2,104
XL SuperCrew2,120
King Ranch SuperCrew 4WD2,120
Platinum SuperCrew 4WD2,138
XLT Super Cab2,140
Raptor SuperCrew 4WD2,160
Lightning Lariat2,160
XLT SuperCrew2,174
Lightning Lariat Premium2,212
Lariat Super Cab2,222
Lightning Platinum2,244
Lariat SuperCrew2,248
Tremor SuperCrew2,268
King Ranch SuperCrew2,316
Platinum SuperCrew2,336
Raptor SuperCrew2,366
Limited SuperCrew2,408
2022 Ford F150 Average Rate$2,118

2022 Ford F250 Super Duty

$2,602

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford F250 Super Duty TrimsRate
XL Regular Cab$2,376
XL Super Cab2,428
XL Regular Cab 4WD2,440
XL Crew Cab2,452
XLT Regular Cab2,474
XL Super Cab 4WD2,480
XL Crew Cab 4WD2,504
XLT Super Cab2,518
XLT Regular Cab 4WD2,522
XLT Crew Cab2,550
XLT Super Cab 4WD2,564
XLT Crew Cab 4WD2,588
Lariat Super Cab2,602
Lariat Crew Cab2,634
Lariat Super Cab 4WD2,634
Lariat Crew Cab 4WD2,660
King Ranch Crew Cab2,748
King Ranch Crew Cab 4WD2,768
Platinum Crew Cab2,772
Platinum Crew Cab 4WD2,794
Limited Crew Cab2,874
Limited Crew Cab 4WD2,886
2022 Ford F250 Super Duty Average Rate$2,602

2021 Ford F150 vs. Ford F250 Super Duty

When comparing insurance cost for 2021 models, a Ford F150 costs an average of $2,138 per year to insure and a Ford F250 Super Duty costs $2,600, making the Ford F150 cheaper to insure by $462 per year for this comparison year.

The chart below illustrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. For a 2021 Ford F150, insurance cost ranges from $1,896 to $4,340 per year for the illustrated age groups. A 2021 Ford F250 Super Duty costs from $2,322 to $5,364 to insure per year.

Average car insurance premiums for 2021 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2021 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$6,684$8,299
20-Year-Old$4,340$5,364
25-Year-Old$2,482$3,024
30-Year-Old$2,276$2,758
40-Year-Old$2,138$2,600
50-Year-Old$1,896$2,322
60-Year-Old$1,778$2,178

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated October 24, 2025

For the 43 trims available for the 2021 Ford F150, the cheapest trim to insure is the XL Regular Cab 6.5 4WD trim at an average cost of $1,904 per year, or $159 per month.

The 2021 Ford F250 Super Duty has 20 trim levels available, with the cheapest model to insure being the XL 2WD trim at an average cost of $2,336 per year.

When auto insurance rates for all 63 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average cost of $1,904 per year, and the highest-cost model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average cost of $3,190 per year.

The rate tables below illustrate average car insurance cost by trim level for a 2021 Ford F150 and Ford F250 Super Duty, including an overall average cost for each model. The model with the cheapest car insurance rates for 2021 is the Ford F150.

2021 Ford F150

$2,138

Insurance Rates by Trim Level for a 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,904
XL Regular Cab 8 Ft Bed 4WD1,904
XL Regular Cab 2WD1,934
XL Regular Cab 6.5 2WD1,934
XL Super Cab 6.5 4WD1,970
XL Super Cab 8 Ft Bed 4WD1,970
XL SuperCrew 4WD1,970
XLT Regular Cab 6.5 4WD1,970
XLT Regular Cab 8 Ft Bed 4WD1,970
XL Super Cab 6.5 2WD2,000
XL SuperCrew 6.5 4WD2,036
XLT Super Cab 6.5 4WD2,036
XLT Super Cab 8 Ft Bed 4WD2,036
XLT SuperCrew 4WD2,036
XLT SuperCrew 6.52,056
Lariat Super Cab 4WD2,104
Lariat Super Cab 6.5 4WD2,104
Lariat Super Cab 8 Ft Bed 4WD2,104
XLT SuperCrew 6.5 4WD2,104
Lariat Super Cab 6.52,124
XL Super Cab 8 Ft Bed 2WD2,134
XL SuperCrew 2WD2,134
XLT Regular Cab 2WD2,134
XLT Regular Cab 6.5 2WD2,134
Raptor Super Cab 4WD2,170
King Ranch Crew Cab 6.52,188
XL SuperCrew 6.52,200
XLT Super Cab 6.5 2WD2,200
XLT Super Cab 8 Ft Bed 2WD2,200
XLT SuperCrew 2WD2,200
King Ranch Crew Cab 4WD2,234
King Ranch Crew Cab 6.5 4WD2,234
Platinum SuperCrew 4WD2,234
Platinum SuperCrew 6.5 4WD2,234
Raptor Crew Cab 4WD2,234
Platinum SuperCrew 6.52,254
Lariat Super Cab 2WD2,264
Lariat Super Cab 6.5 2WD2,264
Lariat Super Cab 8 Ft Bed 2WD2,264
King Ranch Crew Cab 2WD2,398
Limited Super Cab 4WD2,414
Platinum SuperCrew 2WD2,464
Limited Super Cab 2WD2,530
2021 Ford F150 Average Rate$2,138

2021 Ford F250 Super Duty

$2,600

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford F250 Super Duty TrimsRate
XL 2WD$2,336
XL Super Cab 2WD2,336
XL Crew Cab 2WD2,402
XLT 2WD2,402
XLT Crew Cab 2WD2,468
XLT Super Cab 2WD2,468
XL 4WD2,476
Lariat Crew Cab 2WD2,536
Lariat Super Cab 2WD2,536
XL Crew Cab 4WD2,542
XL Super Cab 4WD2,542
XLT 4WD2,608
XLT Crew Cab 4WD2,608
XLT Super Cab 4WD2,608
King Ranch Crew Cab 2WD2,666
Lariat Super Cab 4WD2,720
Lariat Crew Cab 4WD2,788
King Ranch Crew Cab 4WD2,852
Platinum Crew Cab 4WD2,918
Limited Crew Cab 4WD3,190
2021 Ford F250 Super Duty Average Rate$2,600

2020 Ford F150 vs F250

When comparing average insurance cost for 2020 models, the Ford F150 costs an average of $2,074 per year to insure and the Ford F250 Super Duty costs $2,530, making the Ford F150 the winner by $456 for this model year.

The chart below illustrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. For a 2020 Ford F150, average insurance cost ranges from $1,840 to $4,210 per year for the included age groups. A 2020 Ford F250 Super Duty costs from $2,262 to $5,218 to insure per year.

Average car insurance premiums for 2020 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2020 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$6,485$8,072
20-Year-Old$4,210$5,218
25-Year-Old$2,408$2,942
30-Year-Old$2,210$2,682
40-Year-Old$2,074$2,530
50-Year-Old$1,840$2,262
60-Year-Old$1,728$2,120

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated October 24, 2025

Out of 43 Ford F150 trims, the cheapest 2020 trim to insure is the XL Regular Cab 6.5 4WD model at an average cost of $1,848 per year, or $154 per month.

For the 20 trim levels available for the Ford F250 Super Duty, the cheapest 2020 model to insure is the XL 2WD model at a cost of $2,278.

When trim-level rates for both models are compared, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average rate of $1,848 per year. The most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $3,096 per year.

The next tables display average car insurance rates for every trim level for both 2020 models, along with the average rate for each model. The cheapest to insure for the 2020 model year is the Ford F150.

2020 Ford F150

$2,074

Insurance Rates by Trim Level for a 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,848
XL Regular Cab 8 Ft Bed 4WD1,848
XL Regular Cab 2WD1,884
XL Regular Cab 6.5 2WD1,884
XL Super Cab 6.5 4WD1,912
XL Super Cab 8 Ft Bed 4WD1,912
XL SuperCrew 4WD1,912
XLT Regular Cab 6.5 4WD1,912
XLT Regular Cab 8 Ft Bed 4WD1,912
XL Super Cab 6.5 2WD1,948
XL SuperCrew 6.5 4WD1,974
XLT Super Cab 6.5 4WD1,974
XLT Super Cab 8 Ft Bed 4WD1,974
XLT SuperCrew 4WD1,974
XLT SuperCrew 6.51,992
Lariat Super Cab 4WD2,036
Lariat Super Cab 6.5 4WD2,036
Lariat Super Cab 8 Ft Bed 4WD2,036
XLT SuperCrew 6.5 4WD2,036
Lariat Super Cab 6.52,056
XL Super Cab 8 Ft Bed 2WD2,074
XL SuperCrew 2WD2,074
XLT Regular Cab 2WD2,074
XLT Regular Cab 6.5 2WD2,074
Raptor Super Cab 4WD2,102
King Ranch Crew Cab 6.52,120
XL SuperCrew 6.52,138
XLT Super Cab 6.5 2WD2,138
XLT Super Cab 8 Ft Bed 2WD2,138
XLT SuperCrew 2WD2,138
King Ranch Crew Cab 4WD2,164
King Ranch Crew Cab 6.5 4WD2,164
Platinum SuperCrew 4WD2,164
Platinum SuperCrew 6.5 4WD2,164
Raptor Crew Cab 4WD2,164
Platinum SuperCrew 6.52,184
Lariat Super Cab 2WD2,200
Lariat Super Cab 6.5 2WD2,200
Lariat Super Cab 8 Ft Bed 2WD2,200
King Ranch Crew Cab 2WD2,326
Limited Super Cab 4WD2,336
Platinum SuperCrew 2WD2,392
Limited Super Cab 2WD2,454
2020 Ford F150 Average Rate$2,074

2020 Ford F250 Super Duty

$2,530

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford F250 Super Duty TrimsRate
XL 2WD$2,278
XL Super Cab 2WD2,278
XL Crew Cab 2WD2,342
XLT 2WD2,342
XLT Crew Cab 2WD2,404
XLT Super Cab 2WD2,404
XL 4WD2,410
Lariat Crew Cab 2WD2,466
Lariat Super Cab 2WD2,466
XL Crew Cab 4WD2,476
XL Super Cab 4WD2,476
XLT 4WD2,538
XLT Crew Cab 4WD2,538
XLT Super Cab 4WD2,538
King Ranch Crew Cab 2WD2,594
Lariat Super Cab 4WD2,644
Lariat Crew Cab 4WD2,710
King Ranch Crew Cab 4WD2,772
Platinum Crew Cab 4WD2,836
Limited Crew Cab 4WD3,096
2020 Ford F250 Super Duty Average Rate$2,530

2019 Ford F150 vs F250

For the 2019 Ford F150 and Ford F250 Super Duty models, the Ford F150 is cheaper to insure by an average of $510 per year for this model year.

The chart below displays the average cost to insure both models for different driver ages. Average insurance cost ranges from $1,734 to $3,964 per year for a 2019 Ford F150, and $2,202 to $5,084 for a 2019 Ford F250 Super Duty for the example age groups.

Average car insurance premiums for 2019 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2019 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$6,108$7,867
20-Year-Old$3,964$5,084
25-Year-Old$2,266$2,862
30-Year-Old$2,074$2,608
40-Year-Old$1,950$2,460
50-Year-Old$1,734$2,202
60-Year-Old$1,626$2,062

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated October 24, 2025

Out of 24 trim levels for the 2019 Ford F150, the cheapest auto insurance rates are on the XL Regular Cab 4WD model at a cost of $1,670 per year. The 2019 Ford F250 Super Duty has 20 trims available, with the cheapest model to insure being the XL 2WD model at an average cost of $2,216 per year, or around $185 per month.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,670 per year. The highest-cost model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average cost of $3,004 per year.

The rate tables below display the average cost to insure each trim level for a 2019 Ford F150 and Ford F250 Super Duty, along with an average cost for each model. The winner for the 2019 car insurance cost comparison is the Ford F150.

2019 Ford F150

$1,950

Insurance Rates by Trim Level for a 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,670
XL Regular Cab 2WD1,750
XL Super Cab 4WD1,750
XL Crew Cab 4WD1,810
XL Super Cab 2WD1,810
XLT Regular Cab 4WD1,810
XLT Crew Cab 4WD1,872
XLT Super Cab 4WD1,872
XL Crew Cab 2WD1,890
XLT Regular Cab 2WD1,890
Lariat Crew Cab 4WD1,932
Lariat Super Cab 4WD1,932
XLT Crew Cab 2WD1,950
XLT Super Cab 2WD1,950
Raptor Super Cab 4WD1,994
Lariat Crew Cab 2WD2,012
Lariat Super Cab 2WD2,012
King Ranch Crew Cab 4WD2,054
Platinum Crew Cab 4WD2,054
Raptor Crew Cab 4WD2,054
King Ranch Crew Cab 2WD2,134
Platinum Crew Cab 2WD2,134
Limited Crew Cab 4WD2,220
Limited Crew Cab 2WD2,298
2019 Ford F150 Average Rate$1,950

2019 Ford F250 Super Duty

$2,460

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford F250 Super Duty TrimsRate
XL 2WD$2,216
XL Super Cab 2WD2,216
XL Crew Cab 2WD2,278
XLT 2WD2,278
XLT Crew Cab 2WD2,338
XLT Super Cab 2WD2,338
XL 4WD2,346
Lariat Crew Cab 2WD2,400
Lariat Super Cab 2WD2,400
XL Crew Cab 4WD2,406
XL Super Cab 4WD2,406
XLT 4WD2,468
XLT Crew Cab 4WD2,468
XLT Super Cab 4WD2,468
King Ranch Crew Cab 2WD2,522
Lariat Super Cab 4WD2,572
Lariat Crew Cab 4WD2,632
King Ranch Crew Cab 4WD2,692
Platinum Crew Cab 4WD2,754
Limited Crew Cab 4WD3,004
2019 Ford F250 Super Duty Average Rate$2,460

2018 Ford F150 vs F250

For 2018 Ford F150 and Ford F250 Super Duty models, the Ford F150 has lower-cost car insurance by an average of $496 per year for this comparison year.

The chart below displays the average cost to insure both 2018 models for a range of driver ages. For a 2018 Ford F150, the average cost of car insurance ranges from $1,640 to $3,734 per year for the included driver ages. A 2018 Ford F250 Super Duty costs from $2,096 to $4,822 to insure per year.

Average car insurance premiums for 2018 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2018 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,747$7,450
20-Year-Old$3,734$4,822
25-Year-Old$2,140$2,718
30-Year-Old$1,958$2,476
40-Year-Old$1,842$2,338
50-Year-Old$1,640$2,096
60-Year-Old$1,538$1,964

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated October 24, 2025

Out of 24 trims for the 2018 Ford F150, the cheapest car insurance rates are on the XL Regular Cab 4WD model at a cost of $1,600 per year, or around $133 per month. The 2018 Ford F250 Super Duty has 38 trims available, with the cheapest trim level to insure being the XL 2WD model at an average cost of $2,136 per year.

When all 62 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Ford F150 XL Regular Cab 4WD at a cost of $1,600 per year, and the highest-cost model and trim level is the Ford F250 Super Duty Crew Cab King Ranch 4WD Turbo Diesel costing an average of $2,638 per year.

The next two rate tables display the average cost to insure all 2018 trim levels, along with an average cost for each model.

2018 Ford F150

$1,842

Insurance Rates by Trim Level for a 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,600
XL Regular Cab 2WD1,624
XL Super Cab 4WD1,674
XL Crew Cab 4WD1,732
XLT Regular Cab 4WD1,732
XLT Super Cab 4WD1,732
XL Super Cab 2WD1,738
XLT Regular Cab 2WD1,738
Lariat Super Cab 4WD1,788
XLT Crew Cab 4WD1,788
XL Crew Cab 2WD1,812
XLT Super Cab 2WD1,812
Lariat Crew Cab 4WD1,846
Raptor Super Cab 4WD1,846
XLT Crew Cab 2WD1,870
Raptor Crew Cab 4WD1,902
Lariat Crew Cab 2WD1,926
Lariat Super Cab 2WD1,926
King Ranch Crew Cab 4WD1,960
Platinum Crew Cab 4WD1,960
Limited Crew Cab 4WD2,018
King Ranch Crew Cab 2WD2,042
Platinum Crew Cab 2WD2,042
Limited Crew Cab 2WD2,138
2018 Ford F150 Average Rate$1,842

2018 Ford F250 Super Duty

$2,338

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford F250 Super Duty TrimsRate
XL 2WD$2,136
XL 2WD Turbo Diesel2,136
XL Crew Cab 2WD2,194
XL Crew Cab 2WD Turbo Diesel2,194
XL Super Cab 2WD2,194
XL Super Cab 2WD Turbo Diesel2,194
XLT 2WD2,194
XLT 2WD Turbo Diesel2,194
XLT Crew Cab 2WD2,250
XLT Crew Cab 2WD Turbo Diesel2,250
XLT Super Cab 2WD2,250
XLT Super Cab 2WD Turbo Diesel2,250
XL Crew Cab 4WD2,256
XL Crew Cab 4WD Turbo Diesel2,256
Lariat Crew Cab 2WD2,308
Lariat Crew Cab 2WD Turbo Diesel2,308
Lariat Super Cab 2WD2,308
Lariat Super Cab 2WD Turbo Diesel2,308
XL 4WD2,314
XL 4WD Turbo Diesel2,314
XL Super Cab 4WD2,314
XL Super Cab 4WD Turbo Diesel2,314
XLT Crew Cab 4WD2,314
XLT Crew Cab 4WD Turbo Diesel2,314
XLT 4WD2,370
XLT 4WD Turbo Diesel2,370
Crew Cab King Ranch 2WD2,422
Crew Cab King Ranch 2WD Turbo Diesel2,422
Crew Cab Platinum 4WD2,468
Crew Cab Platinum 4WD Turbo Diesel2,468
Lariat Super Cab 4WD2,468
Lariat Super Cab 4WD Turbo Diesel2,468
Lariat Crew Cab 4WD2,524
Lariat Crew Cab 4WD Turbo Diesel2,524
XLT Super Cab 4WD2,524
XLT Super Cab 4WD Turbo Diesel2,524
Crew Cab King Ranch 4WD2,638
Crew Cab King Ranch 4WD Turbo Diesel2,638
2018 Ford F250 Super Duty Average Rate$2,338

2017 Ford F150 vs F250

When comparing insurance cost for the 2017 Ford F150 and Ford F250 Super Duty models, the Ford F150 has cheaper rates by an average of $534 per year for 2017.

The rate chart below demonstrates the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. Insurance cost ranges from $1,576 to $3,582 per year for a 2017 Ford F150, and $2,062 to $4,740 for a 2017 Ford F250 Super Duty for the included driver ages.

Average car insurance premiums for 2017 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2017 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,510$7,321
20-Year-Old$3,582$4,740
25-Year-Old$2,052$2,674
30-Year-Old$1,878$2,436
40-Year-Old$1,768$2,302
50-Year-Old$1,576$2,062
60-Year-Old$1,478$1,932

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated October 24, 2025

Out of 24 Ford F150 trims, the cheapest 2017 model to insure is the XL Regular Cab 4WD model at an average cost of $1,542 per year, or about $129 per month.

For the 38 trim levels available for the Ford F250 Super Duty, the cheapest 2017 model to insure is the XL 2WD model at a cost of $2,000 per year, or about $167 per month.

When comparing car insurance rates for both models by trim level, the cheapest trim to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,542 per year. The most expensive trim is the Ford F250 Super Duty Crew Cab Platinum 4WD Turbo Diesel costing $2,638 per year.

The two tables below display both 2017 models and all trim levels available for each one, plus an average rate for each model. The 2017 Ford F150 can declare victory over the 2017 Ford F250 Super Duty for cheapest auto insurance rates.

2017 Ford F150

$1,768

Insurance Rates by Trim Level for a 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,542
XL Regular Cab 2WD1,568
XL Super Cab 4WD1,614
XLT Regular Cab 4WD1,614
XL Crew Cab 4WD1,666
XLT Super Cab 4WD1,666
XL Super Cab 2WD1,678
XLT Regular Cab 2WD1,678
Lariat Super Cab 4WD1,720
XLT Crew Cab 4WD1,720
XL Crew Cab 2WD1,748
XLT Super Cab 2WD1,748
Lariat Crew Cab 4WD1,776
SVT Super Cab Raptor 4WD1,776
XLT Crew Cab 2WD1,802
Lariat King Ranch 4WD1,830
SVT Crew Cab Raptor 4WD1,830
Lariat Crew Cab 2WD1,856
Lariat Super Cab 2WD1,856
Lariat Crew Cab Platinum Edition 4WD1,882
Limited Crew Cab 4WD1,936
Lariat Crew Cab Platinum Edition 2WD1,964
Lariat King Ranch 2WD1,964
Limited Crew Cab 2WD2,018
2017 Ford F150 Average Rate$1,768

2017 Ford F250 Super Duty

$2,302

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford F250 Super Duty TrimsRate
XL 2WD$2,000
XL Super Cab 2WD2,070
XL Crew Cab 2WD2,124
XLT 2WD2,124
XLT Super Cab 2WD2,124
XL 2WD Turbo Diesel2,178
XL Crew Cab 2WD Turbo Diesel2,178
XL Super Cab 2WD Turbo Diesel2,178
XLT Crew Cab 2WD2,178
XL 4WD2,184
Lariat Crew Cab 2WD2,234
Lariat Super Cab 2WD2,234
XLT 2WD Turbo Diesel2,234
XLT Crew Cab 2WD Turbo Diesel2,234
XLT Super Cab 2WD Turbo Diesel2,234
XL Crew Cab 4WD2,236
XL Super Cab 4WD2,236
XLT 4WD2,236
Crew Cab King Ranch 2WD2,286
Lariat Super Cab 2WD Turbo Diesel2,286
XL 4WD Turbo Diesel2,290
XLT Crew Cab 4WD2,290
XLT Super Cab 4WD2,290
Lariat Crew Cab 2WD Turbo Diesel2,340
Lariat Super Cab 4WD2,384
XL Crew Cab 4WD Turbo Diesel2,384
XL Super Cab 4WD Turbo Diesel2,384
XLT 4WD Turbo Diesel2,384
Crew Cab King Ranch 2WD Turbo Diesel2,394
Lariat Crew Cab 4WD2,436
XLT Crew Cab 4WD Turbo Diesel2,436
XLT Super Cab 4WD Turbo Diesel2,436
Crew Cab King Ranch 4WD2,490
Lariat Crew Cab 4WD Turbo Diesel2,490
Lariat Super Cab 4WD Turbo Diesel2,490
Crew Cab Platinum 4WD2,544
Crew Cab King Ranch 4WD Turbo Diesel2,582
Crew Cab Platinum 4WD Turbo Diesel2,638
2017 Ford F250 Super Duty Average Rate$2,302

2016 Ford F150 vs F250

When comparing insurance cost for 2016 models, the Ford F150 costs an average of $1,688 per year to insure and the Ford F250 Super Duty costs $2,054, making the Ford F150 the winner by $366.

The next chart shows the average cost to insure both models for drivers aged 20 to 50. The average car insurance cost ranges from $1,506 to $3,420 per year for a 2016 Ford F150, and $1,842 to $4,226 for a 2016 Ford F250 Super Duty for these driver ages.

Average car insurance premiums for 2016 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2016 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,263$6,519
20-Year-Old$3,420$4,226
25-Year-Old$1,960$2,388
30-Year-Old$1,790$2,174
40-Year-Old$1,688$2,054
50-Year-Old$1,506$1,842
60-Year-Old$1,410$1,724

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated October 24, 2025

Out of 22 trims for the 2016 Ford F150, the cheapest insurance prices are on the XL Regular Cab 4WD trim at a cost of $1,494 per year. Out of the 32 trim levels available for the Ford F250 Super Duty, the cheapest 2016 trim level to insure is the XL 2WD trim at a cost of $1,684.

When rates for all 54 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,494 per year. The highest-cost model and trim is the Ford F250 Super Duty Lariat Super Cab 4WD Turbo Diesel at an average cost of $2,422 per year.

The next two rate tables show average car insurance cost by trim level for a 2016 Ford F150 and Ford F250 Super Duty, along with an average cost for each model.

2016 Ford F150

$1,688

Insurance Rates by Trim Level for a 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,494
XL Regular Cab 2WD1,512
XL Super Cab 4WD1,560
XLT Regular Cab 4WD1,560
XL Crew Cab 4WD1,608
XLT Super Cab 4WD1,608
XL Crew Cab 2WD1,610
XL Super Cab 2WD1,610
XLT Regular Cab 2WD1,610
Lariat Super Cab 4WD1,658
XLT Crew Cab 4WD1,658
XLT Super Cab 2WD1,674
Lariat Crew Cab 4WD1,708
Lariat Super Cab 2WD1,724
XLT Crew Cab 2WD1,724
Lariat King Ranch 4WD1,756
Lariat Crew Cab 2WD1,774
Lariat Crew Cab Platinum Edition 4WD1,806
Lariat King Ranch 2WD1,824
Limited Crew Cab 4WD1,856
Lariat Crew Cab Platinum Edition 2WD1,872
Limited Crew Cab 2WD1,922
2016 Ford F150 Average Rate$1,688

2016 Ford F250 Super Duty

$2,054

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford F250 Super Duty TrimsRate
XL 2WD$1,684
XL Crew Cab 2WD1,750
XL Super Cab 2WD1,750
XLT 2WD1,800
XLT Super Cab 2WD1,800
Lariat Super Cab 2WD1,848
XL 2WD Turbo Diesel1,848
XL Crew Cab 2WD Turbo Diesel1,848
XL Super Cab 2WD Turbo Diesel1,848
XLT 2WD Turbo Diesel1,848
XLT Crew Cab 2WD1,848
Lariat Crew Cab 2WD1,898
XLT Crew Cab 2WD Turbo Diesel1,898
XLT Super Cab 2WD Turbo Diesel1,898
Lariat Super Cab 2WD Turbo Diesel1,946
Lariat Crew Cab 2WD Turbo Diesel1,996
XL 4WD2,108
XL Crew Cab 4WD2,156
XL Super Cab 4WD2,156
XLT 4WD2,156
XL 4WD Turbo Diesel2,206
XLT Crew Cab 4WD2,206
XLT Super Cab 4WD2,206
Lariat Super Cab 4WD2,290
XL Crew Cab 4WD Turbo Diesel2,290
XL Super Cab 4WD Turbo Diesel2,290
XLT 4WD Turbo Diesel2,290
XLT Super Cab 4WD Turbo Diesel2,290
Lariat Crew Cab 4WD2,372
XLT Crew Cab 4WD Turbo Diesel2,372
Lariat Crew Cab 4WD Turbo Diesel2,422
Lariat Super Cab 4WD Turbo Diesel2,422
2016 Ford F250 Super Duty Average Rate$2,054

2015 Model Year Insurance Cost Comparison

For 2015 Ford F150 and Ford F250 Super Duty models, the Ford F150 has cheaper car insurance rates by an average of $252 per year.

The chart below demonstrates the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. The average car insurance cost ranges from $1,514 to $3,450 per year for a 2015 Ford F150, and $1,740 to $3,990 for a 2015 Ford F250 Super Duty.

Average car insurance premiums for 2015 Ford F150 and Ford F250 Super Duty models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on October 24, 2025.

Data Methodology: Rates based on a 2015 model year Ford F150 and Ford F250 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,311$6,156
20-Year-Old$3,450$3,990
25-Year-Old$1,966$2,256
30-Year-Old$1,796$2,056
40-Year-Old$1,692$1,944
50-Year-Old$1,514$1,740
60-Year-Old$1,418$1,630

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated October 24, 2025

For the 20 trim levels available for the 2015 Ford F150, the cheapest trim level to insure is the XL Regular Cab 2WD model at an average cost of $1,490 per year, or about $124 per month. Out of the 38 trim levels available for the Ford F250 Super Duty, the cheapest 2015 trim to insure is the XL 2WD model at a cost of $1,730.

When average insurance prices for all 58 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Ford F150 XL Regular Cab 2WD at an average of $1,490 per year. The highest-cost model and trim level is the Ford F250 Super Duty Platinum Crew Cab 4WD Turbo Diesel costing $2,144 per year.

The next two rate tables display the average cost to insure each trim level for a 2015 Ford F150 and Ford F250 Super Duty, along with an average cost for each model. The winner for the 2015 car insurance rate comparison is the Ford F150.

2015 Ford F150

$1,692

Insurance Rates by Trim Level for a 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,490
XL Super Cab 2WD1,566
XL Regular Cab 4WD1,596
XL Super Cab 4WD1,596
XL Crew Cab 2WD1,612
XLT Regular Cab 2WD1,612
XL Crew Cab 4WD1,658
XLT Regular Cab 4WD1,658
XLT Crew Cab 2WD1,672
XLT Super Cab 2WD1,672
XLT Crew Cab 4WD1,702
XLT Super Cab 4WD1,702
Lariat Super Cab 2WD1,718
Lariat Crew Cab 4WD1,750
Lariat Super Cab 4WD1,750
Lariat Crew Cab 2WD1,764
Lariat King Ranch 2WD1,810
Lariat Crew Cab Platinum Edition 4WD1,840
Lariat King Ranch 4WD1,840
Lariat Crew Cab Platinum Edition 2WD1,854
2015 Ford F150 Average Rate$1,692

2015 Ford F250 Super Duty

$1,944

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford F250 Super Duty TrimsRate
XL 2WD$1,730
XL Crew Cab 2WD1,792
XL Super Cab 2WD1,792
XLT 2WD1,792
XL 2WD Turbo Diesel1,836
XLT Crew Cab 2WD1,836
XLT Super Cab 2WD1,836
XL 4WD1,840
Lariat Super Cab 2WD1,882
XL Crew Cab 2WD Turbo Diesel1,882
XL Super Cab 2WD Turbo Diesel1,882
XLT 2WD Turbo Diesel1,882
XL Crew Cab 4WD1,884
XL Super Cab 4WD1,884
XLT 4WD1,884
Lariat Crew Cab 2WD1,928
XLT Crew Cab 2WD Turbo Diesel1,928
XLT Super Cab 2WD Turbo Diesel1,928
XL 4WD Turbo Diesel1,960
XL Super Cab 4WD Turbo Diesel1,960
XLT Crew Cab 4WD1,960
XLT Super Cab 4WD1,960
King Ranch Crew Cab 2WD1,974
Lariat Crew Cab 2WD Turbo Diesel1,974
Lariat Super Cab 2WD Turbo Diesel1,974
Lariat Crew Cab 4WD2,008
Lariat Super Cab 4WD2,008
XL Crew Cab 4WD Turbo Diesel2,008
XLT 4WD Turbo Diesel2,008
XLT Super Cab 4WD Turbo Diesel2,008
King Ranch Crew Cab 2WD Turbo Diesel2,020
King Ranch Crew Cab 4WD2,052
Lariat Super Cab 4WD Turbo Diesel2,052
Platinum Crew Cab 4WD2,052
XLT Crew Cab 4WD Turbo Diesel2,052
Lariat Crew Cab 4WD Turbo Diesel2,100
King Ranch Crew Cab 4WD Turbo Diesel2,144
Platinum Crew Cab 4WD Turbo Diesel2,144
2015 Ford F250 Super Duty Average Rate$1,944

Additional Ford F150 and Ford F250 Super Duty Resources