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 $2,124 per year, a 2024 Ford F150 is generally cheaper to insure than a 2024 Ford F250 Super Duty by an average of $156 per year.
  • For a 2024 Ford F150, average full-coverage car insurance rates range from $1,784 to $2,470 per year, while a 2024 Ford F250 Super Duty ranges from $2,088 to $2,584.
  • Average car insurance cost per month for the Ford F250 Super Duty is 7.1% more expensive than the Ford F150, at $177 versus $190, a difference of $13.

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 $2,124 per year, while the Ford F250 Super Duty averages $2,280 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 $1,784 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 $2,088 per year, or around $174 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 $1,784 per year. The most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD costing $2,584 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
$1,784$149
$1,790$149
$1,874$156
$1,886$157
$1,914$160
$1,920$160
$1,970$164
$1,982$165
$1,998$167
$2,026$169
$2,050$171
$2,088$174
$2,128$177
$2,134$178
$2,134$178
$2,144$179
$2,162$180
$2,166$181
$2,178$182
$2,186$182
$2,186$182
$2,186$182
$2,200$183
$2,204$184
$2,206$184
$2,208$184
$2,218$185
$2,230$186
$2,240$187
$2,268$189
$2,342$195
$2,350$196
$2,352$196
$2,358$197
$2,374$198
$2,392$199
$2,442$204
$2,470$206
$2,474$206
$2,480$207
$2,584$215

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 February 23, 2024

2024 Ford F150 vs Ford F250 Super Duty Insurance Cost 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 $1,880 to $4,294 per year for a 2024 Ford F150, and $2,018 to $4,628 for a 2024 Ford F250 Super Duty for the driver ages used.

Figure 1: Average car insurance premiums for 2024 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 23, 2024.

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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. 2024 Ford F250 Super Duty Insurance Cost
2024 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$6,613$7,141
20-Year-Old$4,294$4,628
25-Year-Old$2,470$2,654
30-Year-Old$2,268$2,434
40-Year-Old$2,124$2,280
50-Year-Old$1,880$2,018
60-Year-Old$1,758$1,890

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 February 23, 2024

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

$2,124

Insurance Rates by Trim Level for a 2024 Ford F150
2024 Ford F150 TrimsRate
XL Super Cab 4WD$1,784
XL Regular Cab1,790
XL Super Cab1,874
XL Regular Cab 4WD1,886
XL SuperCrew1,914
STX Super Cab1,920
XLT Super Cab1,970
XL SuperCrew 4WD1,982
XLT SuperCrew1,998
XLT Super Cab 4WD2,026
XLT SuperCrew 4WD2,050
Tremor SuperCrew 4WD2,128
Lariat SuperCrew2,134
Lariat SuperCrew 4WD2,166
Lightning Pro2,178
King Ranch SuperCrew2,186
Platinum SuperCrew2,186
Platinum SuperCrew 4WD2,186
Raptor SuperCrew 4WD2,204
King Ranch SuperCrew 4WD2,206
Lightning XLT Standard Range2,230
Lightning XLT Extended Range2,342
Lightning Lariat Standard Range2,352
Lightning Flash Extended Range2,358
Lightning Lariat Extended Range2,392
Lightning Platinum2,442
Lightning Platinum Black Special Edition2,470
2024 Ford F150 Average Rate$2,124

2024 Ford F250 Super Duty

$2,280

Insurance Rates by Trim Level for 2024 Ford F150
2024 Ford F250 Super Duty TrimsRate
XL Regular Cab$2,088
XL Super Cab2,134
XL Regular Cab 4WD2,144
XL Crew Cab2,162
XLT Regular Cab 4WD2,200
XL Crew Cab 4WD2,208
XL Super Cab 4WD2,218
XLT Super Cab 4WD2,240
XLT Crew Cab 4WD2,268
Lariat Super Cab 4WD2,350
Lariat Crew Cab 4WD2,374
King Ranch Crew Cab 4WD2,474
Platinum Crew Cab 4WD2,480
Limited Crew Cab 4WD2,584
2024 Ford F250 Super Duty Average Rate$2,280

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 $1,876 per year, and insurance for a Ford F250 Super Duty averages $2,230 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 $1,608 per year, or about $134 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 $2,056.

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 $1,608 per year, and the most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $2,516 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
$1,608$134
$1,628$136
$1,710$143
$1,720$143
$1,730$144
$1,746$146
$1,776$148
$1,800$150
$1,804$150
$1,828$152
$1,828$152
$1,852$154
$1,868$156
$1,912$159
$1,924$160
$1,934$161
$1,934$161
$1,946$162
$1,958$163
$1,964$164
$1,976$165
$2,002$167
$2,010$168
$2,026$169
$2,038$170
$2,044$170
$2,056$171
$2,072$173
$2,096$175
$2,108$176
$2,122$177
$2,142$179
$2,158$180
$2,168$181
$2,196$183
$2,218$185
$2,296$191
$2,318$193
$2,412$201
$2,418$202
$2,516$210

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 February 23, 2024

2023 Ford F150 vs Ford F250 Super Duty Insurance Cost by Trim Level

The next chart shows the average cost to insure both 2023 models for drivers aged 20 to 50. Average insurance cost ranges from $1,662 to $3,748 per year for a 2023 Ford F150, and $1,978 to $4,598 for a 2023 Ford F250 Super Duty for the example age groups.

Figure 2: Average car insurance premiums for 2023 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 23, 2024.

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. 2023 Ford F250 Super Duty Insurance Cost
2023 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,742$7,128
20-Year-Old$3,748$4,598
25-Year-Old$2,178$2,600
30-Year-Old$2,000$2,374
40-Year-Old$1,876$2,230
50-Year-Old$1,662$1,978
60-Year-Old$1,556$1,856

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 February 23, 2024

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

$1,876

Insurance Rates by Trim Level for a 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$1,608
XL Regular Cab1,628
XL Super Cab1,710
XLT Regular Cab 4WD1,720
XL Regular Cab 4WD1,730
XL SuperCrew1,746
XLT Regular Cab1,776
XLT Super Cab1,800
XL SuperCrew 4WD1,804
XLT SuperCrew1,828
XLT Super Cab 4WD1,828
XLT SuperCrew 4WD1,852
Lightning Pro1,868
Lariat SuperCrew1,912
Lightning XLT1,924
Lariat SuperCrew 4WD1,934
Tremor SuperCrew 4WD1,934
King Ranch SuperCrew1,946
Platinum SuperCrew1,958
King Ranch SuperCrew 4WD1,964
Platinum SuperCrew 4WD1,976
Lightning Lariat2,002
Raptor SuperCrew 4WD2,010
Lightning XLT Premium2,026
Limited SuperCrew2,038
Lightning Lariat Premium2,044
Lightning Platinum2,072
2023 Ford F150 Average Rate$1,876

2023 Ford F250 Super Duty

$2,230

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford F250 Super Duty TrimsRate
XL Regular Cab$2,056
XL Super Cab2,096
XL Regular Cab 4WD2,108
XL Crew Cab2,122
XL Super Cab 4WD2,142
XLT Regular Cab 4WD2,158
XL Crew Cab 4WD2,168
XLT Super Cab 4WD2,196
XLT Crew Cab 4WD2,218
Lariat Super Cab 4WD2,296
Lariat Crew Cab 4WD2,318
King Ranch Crew Cab 4WD2,412
Platinum Crew Cab 4WD2,418
Limited Crew Cab 4WD2,516
2023 Ford F250 Super Duty Average Rate$2,230

2022 Ford F150 vs. Ford F250 Super Duty

When comparing car insurance rates for 2022 models, a Ford F150 costs an average of $1,672 per year to insure and a Ford F250 Super Duty costs $2,060, making the Ford F150 cheaper to insure by $388 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 $1,490 to $3,360 per year for the included driver ages. A 2022 Ford F250 Super Duty costs from $1,840 to $4,222 to insure per year.

Figure 3: Average car insurance premiums for 2022 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 22, 2024.

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. 2022 Ford F250 Super Duty Insurance Cost
2022 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,157$6,519
20-Year-Old$3,360$4,222
25-Year-Old$1,942$2,394
30-Year-Old$1,784$2,182
40-Year-Old$1,672$2,060
50-Year-Old$1,490$1,840
60-Year-Old$1,394$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 2022 model year. Updated February 22, 2024

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 $1,444 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 $1,882 per year, or around $157 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 $1,444 per year, and the most expensive trim is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $2,284 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

$1,672

Insurance Rates by Trim Level for a 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,444
XL Super Cab 4WD1,502
XLT Regular Cab 4WD1,524
Lightning Pro1,540
XL SuperCrew 4WD1,546
XL Regular Cab1,556
XLT Super Cab 4WD1,558
XLT SuperCrew 4WD1,578
Lariat Super Cab 4WD1,612
XL Super Cab1,626
Lariat SuperCrew 4WD1,628
Tremor SuperCrew 4WD1,644
Lightning XLT1,644
XLT Regular Cab1,654
Lightning XLT Premium1,666
XL SuperCrew1,676
King Ranch SuperCrew 4WD1,678
Platinum SuperCrew 4WD1,692
XLT Super Cab1,694
Raptor SuperCrew 4WD1,710
Lightning Lariat1,710
XLT SuperCrew1,720
Lightning Lariat Premium1,750
Lariat Super Cab1,758
Lightning Platinum1,774
Lariat SuperCrew1,776
Tremor SuperCrew1,794
King Ranch SuperCrew1,832
Platinum SuperCrew1,850
Raptor SuperCrew1,872
Limited SuperCrew1,904
2022 Ford F150 Average Rate$1,672

2022 Ford F250 Super Duty

$2,060

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford F250 Super Duty TrimsRate
XL Regular Cab$1,882
XL Super Cab1,922
XL Regular Cab 4WD1,930
XL Crew Cab1,942
XLT Regular Cab1,958
XL Super Cab 4WD1,962
XL Crew Cab 4WD1,984
XLT Super Cab1,994
XLT Regular Cab 4WD1,996
XLT Crew Cab2,018
XLT Super Cab 4WD2,030
XLT Crew Cab 4WD2,048
Lariat Super Cab2,060
Lariat Crew Cab2,084
Lariat Super Cab 4WD2,084
Lariat Crew Cab 4WD2,106
King Ranch Crew Cab2,176
King Ranch Crew Cab 4WD2,192
Platinum Crew Cab2,196
Platinum Crew Cab 4WD2,212
Limited Crew Cab2,274
Limited Crew Cab 4WD2,284
2022 Ford F250 Super Duty Average Rate$2,060

2021 Ford F150 vs. Ford F250 Super Duty

When comparing insurance cost for 2021 models, a Ford F150 costs an average of $1,690 per year to insure and a Ford F250 Super Duty costs $2,058, making the Ford F150 cheaper to insure by $368 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 $1,502 to $3,432 per year for the illustrated age groups. A 2021 Ford F250 Super Duty costs from $1,836 to $4,242 to insure per year.

Figure 4: Average car insurance premiums for 2021 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 23, 2024.

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. 2021 Ford F250 Super Duty Insurance Cost
2021 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,287$6,566
20-Year-Old$3,432$4,242
25-Year-Old$1,964$2,396
30-Year-Old$1,800$2,182
40-Year-Old$1,690$2,058
50-Year-Old$1,502$1,836
60-Year-Old$1,408$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 2021 model year. Updated February 23, 2024

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 $1,506 per year, or $126 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 $1,850 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 $1,506 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 $2,524 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

$1,690

Insurance Rates by Trim Level for a 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,506
XL Regular Cab 8 Ft Bed 4WD1,506
XL Regular Cab 2WD1,528
XL Regular Cab 6.5 2WD1,528
XL Super Cab 6.5 4WD1,558
XL Super Cab 8 Ft Bed 4WD1,558
XL SuperCrew 4WD1,558
XLT Regular Cab 6.5 4WD1,558
XLT Regular Cab 8 Ft Bed 4WD1,558
XL Super Cab 6.5 2WD1,582
XL SuperCrew 6.5 4WD1,612
XLT Super Cab 6.5 4WD1,612
XLT Super Cab 8 Ft Bed 4WD1,612
XLT SuperCrew 4WD1,612
XLT SuperCrew 6.51,626
Lariat Super Cab 4WD1,662
Lariat Super Cab 6.5 4WD1,662
Lariat Super Cab 8 Ft Bed 4WD1,662
XLT SuperCrew 6.5 4WD1,662
Lariat Super Cab 6.51,678
XL Super Cab 8 Ft Bed 2WD1,684
XL SuperCrew 2WD1,684
XLT Regular Cab 2WD1,684
XLT Regular Cab 6.5 2WD1,684
Raptor Super Cab 4WD1,714
King Ranch Crew Cab 6.51,730
XL SuperCrew 6.51,738
XLT Super Cab 6.5 2WD1,738
XLT Super Cab 8 Ft Bed 2WD1,738
XLT SuperCrew 2WD1,738
King Ranch Crew Cab 4WD1,768
King Ranch Crew Cab 6.5 4WD1,768
Platinum SuperCrew 4WD1,768
Platinum SuperCrew 6.5 4WD1,768
Raptor Crew Cab 4WD1,768
Platinum SuperCrew 6.51,784
Lariat Super Cab 2WD1,790
Lariat Super Cab 6.5 2WD1,790
Lariat Super Cab 8 Ft Bed 2WD1,790
King Ranch Crew Cab 2WD1,894
Limited Super Cab 4WD1,908
Platinum SuperCrew 2WD1,946
Limited Super Cab 2WD2,000
2021 Ford F150 Average Rate$1,690

2021 Ford F250 Super Duty

$2,058

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford F250 Super Duty TrimsRate
XL 2WD$1,850
XL Super Cab 2WD1,850
XL Crew Cab 2WD1,902
XLT 2WD1,902
XLT Crew Cab 2WD1,956
XLT Super Cab 2WD1,956
XL 4WD1,960
Lariat Crew Cab 2WD2,006
Lariat Super Cab 2WD2,006
XL Crew Cab 4WD2,012
XL Super Cab 4WD2,012
XLT 4WD2,066
XLT Crew Cab 4WD2,066
XLT Super Cab 4WD2,066
King Ranch Crew Cab 2WD2,112
Lariat Super Cab 4WD2,152
Lariat Crew Cab 4WD2,206
King Ranch Crew Cab 4WD2,258
Platinum Crew Cab 4WD2,310
Limited Crew Cab 4WD2,524
2021 Ford F250 Super Duty Average Rate$2,058

2020 Ford F150 vs F250

When comparing average insurance cost for 2020 models, the Ford F150 costs an average of $1,642 per year to insure and the Ford F250 Super Duty costs $2,002, making the Ford F150 the winner by $360 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 $1,460 to $3,330 per year for the included age groups. A 2020 Ford F250 Super Duty costs from $1,788 to $4,126 to insure per year.

Figure 5: Average car insurance premiums for 2020 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 23, 2024.

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. 2020 Ford F250 Super Duty Insurance Cost
2020 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$5,129$6,385
20-Year-Old$3,330$4,126
25-Year-Old$1,908$2,328
30-Year-Old$1,746$2,120
40-Year-Old$1,642$2,002
50-Year-Old$1,460$1,788
60-Year-Old$1,366$1,678

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 February 23, 2024

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 $1,462 per year, or $122 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 $1,802.

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 $1,462 per year. The most expensive model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average of $2,448 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

$1,642

Insurance Rates by Trim Level for a 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,462
XL Regular Cab 8 Ft Bed 4WD1,462
XL Regular Cab 2WD1,490
XL Regular Cab 6.5 2WD1,490
XL Super Cab 6.5 4WD1,512
XL Super Cab 8 Ft Bed 4WD1,512
XL SuperCrew 4WD1,512
XLT Regular Cab 6.5 4WD1,512
XLT Regular Cab 8 Ft Bed 4WD1,512
XL Super Cab 6.5 2WD1,540
XL SuperCrew 6.5 4WD1,562
XLT Super Cab 6.5 4WD1,562
XLT Super Cab 8 Ft Bed 4WD1,562
XLT SuperCrew 4WD1,562
XLT SuperCrew 6.51,578
Lariat Super Cab 4WD1,612
Lariat Super Cab 6.5 4WD1,612
Lariat Super Cab 8 Ft Bed 4WD1,612
XLT SuperCrew 6.5 4WD1,612
Lariat Super Cab 6.51,626
XL Super Cab 8 Ft Bed 2WD1,640
XL SuperCrew 2WD1,640
XLT Regular Cab 2WD1,640
XLT Regular Cab 6.5 2WD1,640
Raptor Super Cab 4WD1,662
King Ranch Crew Cab 6.51,678
XL SuperCrew 6.51,688
XLT Super Cab 6.5 2WD1,688
XLT Super Cab 8 Ft Bed 2WD1,688
XLT SuperCrew 2WD1,688
King Ranch Crew Cab 4WD1,712
King Ranch Crew Cab 6.5 4WD1,712
Platinum SuperCrew 4WD1,712
Platinum SuperCrew 6.5 4WD1,712
Raptor Crew Cab 4WD1,712
Platinum SuperCrew 6.51,726
Lariat Super Cab 2WD1,740
Lariat Super Cab 6.5 2WD1,740
Lariat Super Cab 8 Ft Bed 2WD1,740
King Ranch Crew Cab 2WD1,840
Limited Super Cab 4WD1,848
Platinum SuperCrew 2WD1,890
Limited Super Cab 2WD1,940
2020 Ford F150 Average Rate$1,642

2020 Ford F250 Super Duty

$2,002

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford F250 Super Duty TrimsRate
XL 2WD$1,802
XL Super Cab 2WD1,802
XL Crew Cab 2WD1,852
XLT 2WD1,852
XLT Crew Cab 2WD1,902
XLT Super Cab 2WD1,902
XL 4WD1,908
Lariat Crew Cab 2WD1,952
Lariat Super Cab 2WD1,952
XL Crew Cab 4WD1,958
XL Super Cab 4WD1,958
XLT 4WD2,006
XLT Crew Cab 4WD2,006
XLT Super Cab 4WD2,006
King Ranch Crew Cab 2WD2,052
Lariat Super Cab 4WD2,094
Lariat Crew Cab 4WD2,142
King Ranch Crew Cab 4WD2,194
Platinum Crew Cab 4WD2,242
Limited Crew Cab 4WD2,448
2020 Ford F250 Super Duty Average Rate$2,002

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 $406 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 $1,374 to $3,136 per year for a 2019 Ford F150, and $1,742 to $4,018 for a 2019 Ford F250 Super Duty for the example age groups.

Figure 6: Average car insurance premiums for 2019 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 23, 2024.

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. 2019 Ford F250 Super Duty Insurance Cost
2019 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$4,829$6,223
20-Year-Old$3,136$4,018
25-Year-Old$1,794$2,266
30-Year-Old$1,642$2,062
40-Year-Old$1,542$1,948
50-Year-Old$1,374$1,742
60-Year-Old$1,286$1,632

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 February 23, 2024

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 $1,322 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 $1,756 per year, or around $146 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 $1,322 per year. The highest-cost model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD at an average cost of $2,378 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

$1,542

Insurance Rates by Trim Level for a 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,322
XL Regular Cab 2WD1,384
XL Super Cab 4WD1,384
XL Crew Cab 4WD1,432
XL Super Cab 2WD1,432
XLT Regular Cab 4WD1,432
XLT Crew Cab 4WD1,480
XLT Super Cab 4WD1,480
XL Crew Cab 2WD1,494
XLT Regular Cab 2WD1,494
Lariat Crew Cab 4WD1,528
Lariat Super Cab 4WD1,528
XLT Crew Cab 2WD1,542
XLT Super Cab 2WD1,542
Raptor Super Cab 4WD1,576
Lariat Crew Cab 2WD1,590
Lariat Super Cab 2WD1,590
King Ranch Crew Cab 4WD1,624
Platinum Crew Cab 4WD1,624
Raptor Crew Cab 4WD1,624
King Ranch Crew Cab 2WD1,686
Platinum Crew Cab 2WD1,686
Limited Crew Cab 4WD1,754
Limited Crew Cab 2WD1,816
2019 Ford F150 Average Rate$1,542

2019 Ford F250 Super Duty

$1,948

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford F250 Super Duty TrimsRate
XL 2WD$1,756
XL Super Cab 2WD1,756
XL Crew Cab 2WD1,804
XLT 2WD1,804
XLT Crew Cab 2WD1,852
XLT Super Cab 2WD1,852
XL 4WD1,858
Lariat Crew Cab 2WD1,900
Lariat Super Cab 2WD1,900
XL Crew Cab 4WD1,906
XL Super Cab 4WD1,906
XLT 4WD1,954
XLT Crew Cab 4WD1,954
XLT Super Cab 4WD1,954
King Ranch Crew Cab 2WD1,996
Lariat Super Cab 4WD2,036
Lariat Crew Cab 4WD2,084
King Ranch Crew Cab 4WD2,132
Platinum Crew Cab 4WD2,180
Limited Crew Cab 4WD2,378
2019 Ford F250 Super Duty Average Rate$1,948

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 $396 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 $1,298 to $2,956 per year for the included driver ages. A 2018 Ford F250 Super Duty costs from $1,656 to $3,814 to insure per year.

Figure 7: Average car insurance premiums for 2018 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 23, 2024.

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. 2018 Ford F250 Super Duty Insurance Cost
2018 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$4,546$5,892
20-Year-Old$2,956$3,814
25-Year-Old$1,692$2,150
30-Year-Old$1,550$1,956
40-Year-Old$1,456$1,852
50-Year-Old$1,298$1,656
60-Year-Old$1,218$1,554

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 February 23, 2024

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 $1,266 per year, or around $106 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 $1,690 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 $1,266 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 $2,088 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

$1,456

Insurance Rates by Trim Level for a 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,266
XL Regular Cab 2WD1,286
XL Super Cab 4WD1,324
XL Crew Cab 4WD1,370
XLT Regular Cab 4WD1,370
XLT Super Cab 4WD1,370
XL Super Cab 2WD1,374
XLT Regular Cab 2WD1,374
Lariat Super Cab 4WD1,416
XLT Crew Cab 4WD1,416
XL Crew Cab 2WD1,434
XLT Super Cab 2WD1,434
Lariat Crew Cab 4WD1,460
Raptor Super Cab 4WD1,460
XLT Crew Cab 2WD1,480
Raptor Crew Cab 4WD1,504
Lariat Crew Cab 2WD1,524
Lariat Super Cab 2WD1,524
King Ranch Crew Cab 4WD1,550
Platinum Crew Cab 4WD1,550
Limited Crew Cab 4WD1,596
King Ranch Crew Cab 2WD1,614
Platinum Crew Cab 2WD1,614
Limited Crew Cab 2WD1,692
2018 Ford F150 Average Rate$1,456

2018 Ford F250 Super Duty

$1,852

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford F250 Super Duty TrimsRate
XL 2WD$1,690
XL 2WD Turbo Diesel1,690
XL Crew Cab 2WD1,736
XL Crew Cab 2WD Turbo Diesel1,736
XL Super Cab 2WD1,736
XL Super Cab 2WD Turbo Diesel1,736
XLT 2WD1,736
XLT 2WD Turbo Diesel1,736
XLT Crew Cab 2WD1,780
XLT Crew Cab 2WD Turbo Diesel1,780
XLT Super Cab 2WD1,780
XLT Super Cab 2WD Turbo Diesel1,780
XL Crew Cab 4WD1,784
XL Crew Cab 4WD Turbo Diesel1,784
Lariat Crew Cab 2WD1,826
Lariat Crew Cab 2WD Turbo Diesel1,826
Lariat Super Cab 2WD1,826
Lariat Super Cab 2WD Turbo Diesel1,826
XL 4WD1,830
XL 4WD Turbo Diesel1,830
XL Super Cab 4WD1,830
XL Super Cab 4WD Turbo Diesel1,830
XLT Crew Cab 4WD1,830
XLT Crew Cab 4WD Turbo Diesel1,830
XLT 4WD1,876
XLT 4WD Turbo Diesel1,876
Crew Cab King Ranch 2WD1,916
Crew Cab King Ranch 2WD Turbo Diesel1,916
Crew Cab Platinum 4WD1,952
Crew Cab Platinum 4WD Turbo Diesel1,952
Lariat Super Cab 4WD1,952
Lariat Super Cab 4WD Turbo Diesel1,952
Lariat Crew Cab 4WD1,996
Lariat Crew Cab 4WD Turbo Diesel1,996
XLT Super Cab 4WD1,996
XLT Super Cab 4WD Turbo Diesel1,996
Crew Cab King Ranch 4WD2,088
Crew Cab King Ranch 4WD Turbo Diesel2,088
2018 Ford F250 Super Duty Average Rate$1,852

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 $422 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 $1,246 to $2,834 per year for a 2017 Ford F150, and $1,630 to $3,748 for a 2017 Ford F250 Super Duty for the included 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 February 23, 2024.

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. 2017 Ford F250 Super Duty Insurance Cost
2017 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$4,356$5,791
20-Year-Old$2,834$3,748
25-Year-Old$1,624$2,116
30-Year-Old$1,488$1,926
40-Year-Old$1,398$1,820
50-Year-Old$1,246$1,630
60-Year-Old$1,170$1,528

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 February 23, 2024

Out of 24 Ford F150 trims, the cheapest 2017 model to insure is the XL Regular Cab 4WD model at an average cost of $1,220 per year, or about $102 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 $1,582 per year, or about $132 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 $1,220 per year. The most expensive trim is the Ford F250 Super Duty Crew Cab Platinum 4WD Turbo Diesel costing $2,086 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

$1,398

Insurance Rates by Trim Level for a 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,220
XL Regular Cab 2WD1,240
XL Super Cab 4WD1,276
XLT Regular Cab 4WD1,276
XL Crew Cab 4WD1,320
XLT Super Cab 4WD1,320
XL Super Cab 2WD1,326
XLT Regular Cab 2WD1,326
Lariat Super Cab 4WD1,364
XLT Crew Cab 4WD1,364
XL Crew Cab 2WD1,384
XLT Super Cab 2WD1,384
Lariat Crew Cab 4WD1,404
SVT Super Cab Raptor 4WD1,404
XLT Crew Cab 2WD1,426
Lariat King Ranch 4WD1,448
SVT Crew Cab Raptor 4WD1,448
Lariat Crew Cab 2WD1,470
Lariat Super Cab 2WD1,470
Lariat Crew Cab Platinum Edition 4WD1,490
Limited Crew Cab 4WD1,534
Lariat Crew Cab Platinum Edition 2WD1,554
Lariat King Ranch 2WD1,554
Limited Crew Cab 2WD1,596
2017 Ford F150 Average Rate$1,398

2017 Ford F250 Super Duty

$1,820

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford F250 Super Duty TrimsRate
XL 2WD$1,582
XL Super Cab 2WD1,638
XL Crew Cab 2WD1,682
XLT 2WD1,682
XLT Super Cab 2WD1,682
XL 2WD Turbo Diesel1,724
XL Crew Cab 2WD Turbo Diesel1,724
XL Super Cab 2WD Turbo Diesel1,724
XLT Crew Cab 2WD1,724
XL 4WD1,726
Lariat Crew Cab 2WD1,766
Lariat Super Cab 2WD1,766
XLT 2WD Turbo Diesel1,766
XLT Crew Cab 2WD Turbo Diesel1,766
XLT Super Cab 2WD Turbo Diesel1,766
XL Crew Cab 4WD1,770
XL Super Cab 4WD1,770
XLT 4WD1,770
Crew Cab King Ranch 2WD1,810
Lariat Super Cab 2WD Turbo Diesel1,810
XL 4WD Turbo Diesel1,814
XLT Crew Cab 4WD1,814
XLT Super Cab 4WD1,814
Lariat Crew Cab 2WD Turbo Diesel1,852
Lariat Super Cab 4WD1,886
XL Crew Cab 4WD Turbo Diesel1,886
XL Super Cab 4WD Turbo Diesel1,886
XLT 4WD Turbo Diesel1,886
Crew Cab King Ranch 2WD Turbo Diesel1,896
Lariat Crew Cab 4WD1,928
XLT Crew Cab 4WD Turbo Diesel1,928
XLT Super Cab 4WD Turbo Diesel1,928
Crew Cab King Ranch 4WD1,970
Lariat Crew Cab 4WD Turbo Diesel1,970
Lariat Super Cab 4WD Turbo Diesel1,970
Crew Cab Platinum 4WD2,014
Crew Cab King Ranch 4WD Turbo Diesel2,044
Crew Cab Platinum 4WD Turbo Diesel2,086
2017 Ford F250 Super Duty Average Rate$1,820

2016 Ford F150 vs F250

When comparing insurance cost for 2016 models, the Ford F150 costs an average of $1,336 per year to insure and the Ford F250 Super Duty costs $1,626, making the Ford F150 the winner by $290.

The next chart shows the average cost to insure both models for drivers aged 20 to 50. The average car insurance cost ranges from $1,190 to $2,708 per year for a 2016 Ford F150, and $1,456 to $3,340 for a 2016 Ford F250 Super Duty for these 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 February 23, 2024.

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. 2016 Ford F250 Super Duty Insurance Cost
2016 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$4,161$5,160
20-Year-Old$2,708$3,340
25-Year-Old$1,548$1,888
30-Year-Old$1,414$1,720
40-Year-Old$1,336$1,626
50-Year-Old$1,190$1,456
60-Year-Old$1,116$1,364

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 February 23, 2024

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 $1,182 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 $1,332.

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 $1,182 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 $1,916 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

$1,336

Insurance Rates by Trim Level for a 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,182
XL Regular Cab 2WD1,196
XL Super Cab 4WD1,234
XLT Regular Cab 4WD1,234
XL Crew Cab 4WD1,272
XLT Super Cab 4WD1,272
XL Crew Cab 2WD1,274
XL Super Cab 2WD1,274
XLT Regular Cab 2WD1,274
Lariat Super Cab 4WD1,312
XLT Crew Cab 4WD1,312
XLT Super Cab 2WD1,326
Lariat Crew Cab 4WD1,350
Lariat Super Cab 2WD1,364
XLT Crew Cab 2WD1,364
Lariat King Ranch 4WD1,390
Lariat Crew Cab 2WD1,404
Lariat Crew Cab Platinum Edition 4WD1,430
Lariat King Ranch 2WD1,444
Limited Crew Cab 4WD1,468
Lariat Crew Cab Platinum Edition 2WD1,482
Limited Crew Cab 2WD1,522
2016 Ford F150 Average Rate$1,336

2016 Ford F250 Super Duty

$1,626

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford F250 Super Duty TrimsRate
XL 2WD$1,332
XL Crew Cab 2WD1,382
XL Super Cab 2WD1,382
XLT 2WD1,422
XLT Super Cab 2WD1,422
Lariat Super Cab 2WD1,462
XL 2WD Turbo Diesel1,462
XL Crew Cab 2WD Turbo Diesel1,462
XL Super Cab 2WD Turbo Diesel1,462
XLT 2WD Turbo Diesel1,462
XLT Crew Cab 2WD1,462
Lariat Crew Cab 2WD1,500
XLT Crew Cab 2WD Turbo Diesel1,500
XLT Super Cab 2WD Turbo Diesel1,500
Lariat Super Cab 2WD Turbo Diesel1,538
Lariat Crew Cab 2WD Turbo Diesel1,580
XL 4WD1,668
XL Crew Cab 4WD1,708
XL Super Cab 4WD1,708
XLT 4WD1,708
XL 4WD Turbo Diesel1,746
XLT Crew Cab 4WD1,746
XLT Super Cab 4WD1,746
Lariat Super Cab 4WD1,810
XL Crew Cab 4WD Turbo Diesel1,810
XL Super Cab 4WD Turbo Diesel1,810
XLT 4WD Turbo Diesel1,810
XLT Super Cab 4WD Turbo Diesel1,810
Lariat Crew Cab 4WD1,878
XLT Crew Cab 4WD Turbo Diesel1,878
Lariat Crew Cab 4WD Turbo Diesel1,916
Lariat Super Cab 4WD Turbo Diesel1,916
2016 Ford F250 Super Duty Average Rate$1,626

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 $196 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 $1,198 to $2,728 per year for a 2015 Ford F150, and $1,378 to $3,156 for a 2015 Ford F250 Super Duty.

Figure 10: Average car insurance premiums for 2015 Ford F150 and Ford F250 Super Duty models for different driver ages. Rates updated on February 22, 2024.

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. 2015 Ford F250 Super Duty Insurance Cost
2015 Ford F150 vs. Ford F250 Super Duty Insurance Cost
Driver Age Ford F150 Ford F250 Super Duty
18-Year-Old$4,199$4,872
20-Year-Old$2,728$3,156
25-Year-Old$1,556$1,784
30-Year-Old$1,420$1,628
40-Year-Old$1,342$1,538
50-Year-Old$1,198$1,378
60-Year-Old$1,122$1,290

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 February 22, 2024

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 $1,178 per year, or about $98 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 $1,368.

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 $1,178 per year. The highest-cost model and trim level is the Ford F250 Super Duty Platinum Crew Cab 4WD Turbo Diesel costing $1,696 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

$1,342

Insurance Rates by Trim Level for a 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,178
XL Super Cab 2WD1,240
XL Regular Cab 4WD1,264
XL Super Cab 4WD1,264
XL Crew Cab 2WD1,276
XLT Regular Cab 2WD1,276
XL Crew Cab 4WD1,312
XLT Regular Cab 4WD1,312
XLT Crew Cab 2WD1,324
XLT Super Cab 2WD1,324
XLT Crew Cab 4WD1,350
XLT Super Cab 4WD1,350
Lariat Super Cab 2WD1,362
Lariat Crew Cab 4WD1,386
Lariat Super Cab 4WD1,386
Lariat Crew Cab 2WD1,398
Lariat King Ranch 2WD1,432
Lariat Crew Cab Platinum Edition 4WD1,456
Lariat King Ranch 4WD1,456
Lariat Crew Cab Platinum Edition 2WD1,468
2015 Ford F150 Average Rate$1,342

2015 Ford F250 Super Duty

$1,538

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford F250 Super Duty TrimsRate
XL 2WD$1,368
XL Crew Cab 2WD1,416
XL Super Cab 2WD1,416
XLT 2WD1,416
XL 2WD Turbo Diesel1,452
XLT Crew Cab 2WD1,452
XLT Super Cab 2WD1,452
XL 4WD1,454
Lariat Super Cab 2WD1,488
XL Crew Cab 2WD Turbo Diesel1,488
XL Super Cab 2WD Turbo Diesel1,488
XLT 2WD Turbo Diesel1,488
XL Crew Cab 4WD1,490
XL Super Cab 4WD1,490
XLT 4WD1,490
Lariat Crew Cab 2WD1,526
XLT Crew Cab 2WD Turbo Diesel1,526
XLT Super Cab 2WD Turbo Diesel1,526
XL 4WD Turbo Diesel1,552
XL Super Cab 4WD Turbo Diesel1,552
XLT Crew Cab 4WD1,552
XLT Super Cab 4WD1,552
King Ranch Crew Cab 2WD1,562
Lariat Crew Cab 2WD Turbo Diesel1,562
Lariat Super Cab 2WD Turbo Diesel1,562
Lariat Crew Cab 4WD1,588
Lariat Super Cab 4WD1,588
XL Crew Cab 4WD Turbo Diesel1,588
XLT 4WD Turbo Diesel1,588
XLT Super Cab 4WD Turbo Diesel1,588
King Ranch Crew Cab 2WD Turbo Diesel1,596
King Ranch Crew Cab 4WD1,624
Lariat Super Cab 4WD Turbo Diesel1,624
Platinum Crew Cab 4WD1,624
XLT Crew Cab 4WD Turbo Diesel1,624
Lariat Crew Cab 4WD Turbo Diesel1,660
King Ranch Crew Cab 4WD Turbo Diesel1,696
Platinum Crew Cab 4WD Turbo Diesel1,696
2015 Ford F250 Super Duty Average Rate$1,538

Additional Ford F150 and Ford F250 Super Duty Resources