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

• At an average cost of $1,842 per year, a 2023 Ford F150 is generally cheaper to insure than a 2023 Ford F250 Super Duty by an average of $350 per year.
• For a 2023 Ford F150, average full-coverage car insurance rates range from $1,572 to $2,034 per year, while a 2023 Ford F250 Super Duty ranges from $2,022 to $2,470.
• Average car insurance cost per month for the Ford F250 Super Duty is 17.2% more expensive than the Ford F150, at $154 versus $183, a difference of $29.

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

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 $1,842 per year, and insurance for a Ford F250 Super Duty averages $2,192 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 $1,572 per year, or about $131 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 $2,022.

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 $1,572 per year, and the most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $2,470 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 $1,674 to $3,636 per year for a 2023 Ford F150, and $2,004 to $4,432 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 $1,646 per year to insure and a Ford F250 Super Duty costs $2,030, making the Ford F150 cheaper to insure by $384 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 $1,496 to $3,258 per year for the included driver ages. A 2022 Ford F250 Super Duty costs from $1,854 to $4,082 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 $1,418 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 $1,854 per year, or around $155 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 $1,418 per year, and the most expensive trim is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $2,244 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 $1,656 per year to insure and a Ford F250 Super Duty costs $2,030, making the Ford F150 cheaper to insure by $374 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 $1,512 to $3,318 per year for the illustrated age groups. A 2021 Ford F250 Super Duty costs from $1,856 to $4,100 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 $1,474 per year, or $123 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 $1,828 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 $1,474 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 $2,476 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 $1,634 per year to insure and the Ford F250 Super Duty costs $2,010, making the Ford F150 the winner by $376 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 $1,492 to $3,278 per year for the included age groups. A 2020 Ford F250 Super Duty costs from $1,836 to $4,058 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 $1,456 per year, or $121 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 $1,812.

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 $1,456 per year. The most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $2,446 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 $420 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 $1,412 to $3,096 per year for a 2019 Ford F150, and $1,798 to $3,972 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 $1,326 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 $1,778 per year, or around $148 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 $1,326 per year. The highest-cost model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average cost of $2,388 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 $414 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 $1,360 to $2,984 per year for the included driver ages. A 2018 Ford F250 Super Duty costs from $1,744 to $3,850 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 $1,296 per year, or around $108 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 $1,744 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 $1,296 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 $2,142 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 $444 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 $1,306 to $2,860 per year for a 2017 Ford F150, and $1,716 to $3,788 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 $1,248 per year, or about $104 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 $1,638 per year, or about $137 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 $1,248 per year. The most expensive trim is the Ford F250 Super Duty Crew Cab Platinum 4WD Turbo Diesel costing $2,138 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 $1,402 per year to insure and the Ford F250 Super Duty costs $1,716, making the Ford F150 the winner by $314.

The next chart shows the average cost to insure both models for drivers aged 20 to 50. The average car insurance cost ranges from $1,278 to $2,808 per year for a 2016 Ford F150, and $1,572 to $3,468 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 $1,240 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 $1,410.

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 $1,240 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 $2,022 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 $212 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 $1,292 to $2,828 per year for a 2015 Ford F150, and $1,488 to $3,270 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 $1,246 per year, or about $104 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 $1,452.

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 $1,246 per year. The highest-cost model and trim level is the Ford F250 Super Duty Platinum Crew Cab 4WD Turbo Diesel costing $1,782 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