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

• At an average cost of $2,622 per year, a 2024 Ford F150 is generally cheaper to insure than a 2024 Ford F250 Super Duty by an average of $194 per year.
• For a 2024 Ford F150, average full-coverage car insurance rates range from $2,200 to $3,042 per year, while a 2024 Ford F250 Super Duty ranges from $2,580 to $3,192.
• Average car insurance cost per month for the Ford F250 Super Duty is 7% more expensive than the Ford F150, at $219 versus $235, 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 $2,622 per year, while the Ford F250 Super Duty averages $2,816 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 $2,200 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 $2,580 per year, or around $215 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 $2,200 per year. The most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD costing $3,192 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.

The chart below demonstrates the average cost to insure both 2024 models rated for drivers aged 20 to 50. Insurance cost ranges from $2,322 to $5,298 per year for a 2024 Ford F150, and $2,492 to $5,710 for a 2024 Ford F250 Super Duty for the driver ages used.

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.

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 $2,314 per year, and insurance for a Ford F250 Super Duty averages $2,750 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 $1,982 per year, or about $165 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 $2,534.

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 $1,982 per year, and the most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $3,102 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.

The next chart shows the average cost to insure both 2023 models for drivers aged 20 to 50. Average insurance cost ranges from $2,054 to $4,624 per year for a 2023 Ford F150, and $2,440 to $5,674 for a 2023 Ford F250 Super Duty for the example age groups.

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.

2022 Ford F150 vs. Ford F250 Super Duty

When comparing car insurance rates for 2022 models, a Ford F150 costs an average of $2,066 per year to insure and a Ford F250 Super Duty costs $2,542, making the Ford F150 cheaper to insure by $476 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 $1,838 to $4,148 per year for the included driver ages. A 2022 Ford F250 Super Duty costs from $2,270 to $5,212 to insure per year.

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 $1,782 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 $2,320 per year, or around $193 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 $1,782 per year, and the most expensive trim is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $2,818 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.

2021 Ford F150 vs. Ford F250 Super Duty

When comparing insurance cost for 2021 models, a Ford F150 costs an average of $2,084 per year to insure and a Ford F250 Super Duty costs $2,542, making the Ford F150 cheaper to insure by $458 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 $1,852 to $4,232 per year for the illustrated age groups. A 2021 Ford F250 Super Duty costs from $2,266 to $5,238 to insure per year.

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 $1,858 per year, or $155 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 $2,282 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 $1,858 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 $3,116 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.

2020 Ford F150 vs F250

When comparing average insurance cost for 2020 models, the Ford F150 costs an average of $2,024 per year to insure and the Ford F250 Super Duty costs $2,472, making the Ford F150 the winner by $448 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 $1,798 to $4,108 per year for the included age groups. A 2020 Ford F250 Super Duty costs from $2,206 to $5,094 to insure per year.

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 $1,804 per year, or $150 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 $2,224.

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 $1,804 per year. The most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $3,022 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.

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 $502 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 $1,692 to $3,870 per year for a 2019 Ford F150, and $2,148 to $4,960 for a 2019 Ford F250 Super Duty for the example age groups.

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 $1,632 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 $2,168 per year, or around $181 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 $1,632 per year. The highest-cost model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average cost of $2,936 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.

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 $488 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 $1,602 to $3,646 per year for the included driver ages. A 2018 Ford F250 Super Duty costs from $2,042 to $4,706 to insure per year.

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 $1,562 per year, or around $130 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 $2,088 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 $1,562 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 $2,578 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.

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 $522 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 $1,540 to $3,498 per year for a 2017 Ford F150, and $2,012 to $4,628 for a 2017 Ford F250 Super Duty for the included driver ages.

Out of 24 Ford F150 trims, the cheapest 2017 model to insure is the XL Regular Cab 4WD model at an average cost of $1,506 per year, or about $126 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 $1,952 per year, or about $163 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 $1,506 per year. The most expensive trim is the Ford F250 Super Duty Crew Cab Platinum 4WD Turbo Diesel costing $2,574 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.

2016 Ford F150 vs F250

When comparing insurance cost for 2016 models, the Ford F150 costs an average of $1,646 per year to insure and the Ford F250 Super Duty costs $2,004, making the Ford F150 the winner by $358.

The next chart shows the average cost to insure both models for drivers aged 20 to 50. The average car insurance cost ranges from $1,470 to $3,338 per year for a 2016 Ford F150, and $1,798 to $4,124 for a 2016 Ford F250 Super Duty for these driver ages.

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 $1,458 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 $1,642.

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 $1,458 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 $2,366 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.

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 $244 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 $1,478 to $3,368 per year for a 2015 Ford F150, and $1,698 to $3,894 for a 2015 Ford F250 Super Duty.

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 $1,456 per year, or about $121 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 $1,688.

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 $1,456 per year. The highest-cost model and trim level is the Ford F250 Super Duty Platinum Crew Cab 4WD Turbo Diesel costing $2,094 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.

Additional Ford F150 and Ford F250 Super Duty Resources

• Ford F150 Insurance Rates
• Ford F250 Super Duty Insurance Rates
• Large Truck Insurance Rate Comparisons
• Heavy Duty Truck Insurance Rate Comparisons