Ford F250 vs. F350 Insurance Cost Compared

• Average car insurance rates for the Ford F250 and F350 pickups are very similar, but the trim level of the truck you’re insuring makes a big difference in cost.
• For a 2024 Ford F250 Super Duty, average insurance rates range from $2,580 to $3,192 per year, while car insurance cost for a 2024 Ford F350 Super Duty ranges from $2,592 to $3,244 for full-coverage.
• Out of 10 models in the 2024 heavy duty truck segment, the Ford F250 Super Duty ranks seventh and the Ford F350 Super Duty ranks eighth for cheapest car insurance cost.
• If cheap auto insurance is your top priority, the XL Regular Cab and XL Super Cab trims are the cheapest Ford F250 Super Duty models to insure, while the XL Regular Cab and XL Super Cab trims are the cheapest Ford F350 Super Duty models to insure.

Is a Ford F-250 or F-350 cheaper to insure?

Insurance rates for a 2024 Ford F250 Super Duty average $2,816 per year, whereas insurance for a Ford F350 Super Duty averages $2,836 per year, making the Ford F250 Super Duty the cheaper option by $20 per year.

For the 14 trims available for the 2024 Ford F250 Super Duty, the cheapest trim to insure is the XL Regular Cab trim at an average cost of $2,580 per year, or $215 per month.

Out of the 14 trim levels available for the Ford F350 Super Duty, the cheapest 2024 trim level to insure is the XL Regular Cab model at a cost of $2,592 per year, or around $216 per month.

When insurance prices for all 28 trims of both models are combined and sorted by cost, the lowest-cost model and trim is the Ford F250 Super Duty XL Regular Cab at an average of $2,580 per year. The highest-cost model and trim is the Ford F350 Super Duty Limited Crew Cab 4WD at a cost of $3,244 per year.

The rate table below compares the yearly and monthly cost of car insurance for 2024 Ford F250 Super Duty and Ford F350 Super Duty models, with average rates for each trim level.

The chart below shows the average cost to insure both models using a range of rated driver ages. Average car insurance cost ranges from $2,492 to $5,710 per year for a 2024 Ford F250 Super Duty, and $2,500 to $5,760 for a 2024 Ford F350 Super Duty for the age groups used in the chart.

The tables shown below show the expected annual car insurance cost by trim level for both 2024 models, including the average rate for each model. The 2024 Ford F250 Super Duty has cheaper average car insurance rates than the 2024 Ford F350 Super Duty.

2023 Ford F250 Super Duty vs. Ford F350 Super Duty

Average car insurance rates for a 2023 Ford F250 Super Duty are $2,750 per year, whereas a 2023 Ford F350 Super Duty averages $2,716 per year, making the Ford F350 Super Duty the cheaper model to insure by $34 per year.

Out of 14 Ford F250 Super Duty trims, the cheapest 2023 trim level to insure is the XL Regular Cab model at an average cost of $2,534 per year, or about $211 per month. For the 14 trims available for the Ford F350 Super Duty, the cheapest 2023 trim level to insure is the XL Regular Cab model at a cost of $2,508.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Ford F350 Super Duty XL Regular Cab at an average rate of $2,508 per year, and the overall most expensive vehicle to insure is the Ford F250 Super Duty Limited Crew Cab 4WD costing $3,102 per year.

The rate chart below displays Ford F250 Super Duty and Ford F350 Super Duty car insurance rates for 2023 models, with rate data shown by driver age.

The chart below visualizes the average cost to insure the two models using a range of rated driver ages. Insurance cost ranges from $2,440 to $5,674 per year for a 2023 Ford F250 Super Duty, and $2,414 to $5,570 for a 2023 Ford F350 Super Duty for these driver ages.

The next tables display average car insurance rates for every trim level for both 2023 models, including an overall average cost for each model.

2022 Ford F250 vs. Ford F350

When comparing insurance cost for 2022 models, a Ford F250 Super Duty costs an average of $2,542 per year to insure and a Ford F350 Super Duty costs $2,320, making the two heavy-duty haulers very similar in the cost to insure.

The chart shown below demonstrates the average cost to insure both 2022 models for drivers from age 20 to 50. For a 2022 Ford F250 Super Duty, insurance cost ranges from $2,270 to $5,212 per year for these driver ages. A 2022 Ford F350 Super Duty costs from $2,064 to $4,746 to insure per year.

For the 22 trims available for the 2022 Ford F250 Super Duty, the cheapest model to insure is the XL Regular Cab trim at an average cost of $2,320 per year. For the 22 trim levels available for the Ford F350 Super Duty, the cheapest 2022 trim level to insure is the XL Regular Cab trim at a cost of $1,998.

When car insurance rates for all 44 trims of both models are combined and sorted by cost, the most affordable model and trim level to insure is the Ford F350 Super Duty XL Regular Cab at an average cost of $1,998 per year. The most expensive vehicle to insure is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $2,818 per year.

The next tables show the cost to insure the available trim levels for both 2022 models, plus an average rate for each model.

2021 Ford F250 vs F350 Insurance

For 2021 Ford F250 Super Duty and Ford F350 Super Duty models, the Ford F350 Super Duty has cheaper car insurance rates by an average of $12 per year for this comparison year.

The chart shown below shows the average cost to insure both 2021 models for a range of driver ages. The average car insurance cost ranges from $2,266 to $5,238 per year for a 2021 Ford F250 Super Duty, and $2,242 to $5,216 for a 2021 Ford F350 Super Duty.

For the 20 trims available for the 2021 Ford F250 Super Duty, the cheapest trim to insure is the XL 2WD model at an average cost of $2,282 per year.

For the 21 trim levels available for the Ford F350 Super Duty, the cheapest 2021 trim to insure is the XL 2WD model at a cost of $2,278 per year, or $190 per month.

When rates for all 41 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Ford F350 Super Duty XL 2WD at an average rate of $2,278 per year, and the highest-cost model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $3,116 per year.

The two tables below illustrate the average cost to insure all 2021 trim levels, along with an average cost for each model. The winner for the 2021 car insurance battle is the Ford F350 Super Duty.

2020 Ford F250 vs F350 Insurance

For 2020 Ford F250 Super Duty and Ford F350 Super Duty models, the Ford F350 Super Duty has lower-cost car insurance by an average of $16 per year.

The chart below shows the average cost to insure both models with different ages of drivers. Insurance cost ranges from $2,206 to $5,094 per year for a 2020 Ford F250 Super Duty, and $2,178 to $5,062 for a 2020 Ford F350 Super Duty for the included age groups.

The 2020 Ford F250 Super Duty has 20 trim levels available, with the cheapest trim to insure being the XL 2WD model at an average cost of $2,224 per year. Out of the 21 trim levels available for the Ford F350 Super Duty, the cheapest 2020 model to insure is the XL 2WD model at a cost of $2,206.

When insurance 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 F350 Super Duty XL 2WD at a cost of $2,206 per year, and the most expensive trim is the Ford F250 Super Duty Limited Crew Cab 4WD at a cost of $3,022 per year.

The next two tables show average cost to insure each trim level for a 2020 Ford F250 Super Duty and Ford F350 Super Duty, as well as an average rate for each model. The 2020 Ford F350 Super Duty has more affordable average car insurance than the 2020 Ford F250 Super Duty.

2019 Ford F250 vs F350 Insurance

For the 2019 Ford F250 Super Duty and Ford F350 Super Duty models, the Ford F350 Super Duty has cheaper car insurance rates by an average of $24 per year for this comparison year.

The rate chart below shows the average cost to insure both 2019 models rated for a variety of different driver ages. For a 2019 Ford F250 Super Duty, the average cost of car insurance ranges from $2,148 to $4,960 per year for these driver ages. A 2019 Ford F350 Super Duty costs from $2,112 to $4,912 to insure per year.

For the 20 trims available for the 2019 Ford F250 Super Duty, the cheapest trim level to insure is the XL 2WD model at an average cost of $2,168 per year, or about $181 per month.

The 2019 Ford F350 Super Duty has 21 trim levels available, with the cheapest trim level to insure being the XL 2WD model at an average cost of $2,138 per year.

When comparing both models at a trim-level basis, the lowest-cost model and trim to insure is the Ford F350 Super Duty XL 2WD at an average rate of $2,138 per year. The overall most expensive vehicle to insure is the Ford F250 Super Duty Limited Crew Cab 4WD at an average cost of $2,936 per year.

The tables shown below display the average cost to insure all 2019 trim levels, including the average rate for each model. The winner for the 2019 car insurance battle is the Ford F350 Super Duty.

2018 Ford F250 vs F350 Insurance

For 2018 Ford F250 Super Duty and Ford F350 Super Duty models, the Ford F350 Super Duty has cheaper car insurance rates by an average of $42 per year.

The chart below illustrates the average cost to insure the two models rated for a variety of different driver ages. For a 2018 Ford F250 Super Duty, insurance cost ranges from $2,042 to $4,706 per year for the example age groups. A 2018 Ford F350 Super Duty costs from $1,996 to $4,626 to insure per year.

Out of 38 trims for the 2018 Ford F250 Super Duty, the cheapest average insurance prices are on the XL 2WD model at a cost of $2,088 per year.

The 2018 Ford F350 Super Duty has 38 trim levels available, with the cheapest trim level to insure being the XL 2WD Turbo Diesel model at an average cost of $2,042 per year.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level to insure is the Ford F350 Super Duty XL 2WD Turbo Diesel at an average cost of $2,042 per year, and the most expensive model and trim level is the Ford F250 Super Duty Crew Cab King Ranch 4WD Turbo Diesel costing $2,578 per year.

The tables shown below display average car insurance rates for every trim level for both 2018 models, plus an average rate for each model. The model with the cheapest car insurance rates for 2018 is the Ford F350 Super Duty.

2017 Ford F250 vs F350 Insurance

When comparing average insurance rates for 2017 models, a Ford F250 Super Duty costs an average of $2,248 per year to insure and a Ford F350 Super Duty costs $2,226, making the Ford F350 Super Duty cheaper to insure by $22 per year for 2017.

The chart shown below demonstrates the average cost to insure both models for drivers from age 20 to 50. The average cost of car insurance ranges from $2,012 to $4,628 per year for a 2017 Ford F250 Super Duty, and $1,978 to $4,588 for a 2017 Ford F350 Super Duty for the included driver ages.

For the 38 trims available for the 2017 Ford F250 Super Duty, the cheapest model to insure is the XL 2WD model at an average cost of $1,952 per year.

For the 38 trim levels available for the Ford F350 Super Duty, the cheapest 2017 trim level to insure is the XL 2WD model at a cost of $1,966.

When rates are compared for the 76 trim levels of both 2017 models, the cheapest trim to insure is the Ford F250 Super Duty XL 2WD at an average of $1,952 per year. The most expensive trim is the Ford F250 Super Duty Crew Cab Platinum 4WD Turbo Diesel at a cost of $2,574 per year.

The rate tables below display trim level insurance cost averages for both 2017 models, including the average rate for each model.

2016 Ford F250 vs F350 Insurance

When comparing insurance rates for 2016 models, a Ford F250 Super Duty costs an average of $2,004 per year to insure and a Ford F350 Super Duty costs $2,074, making the Ford F250 Super Duty cheaper to insure by $70 per year.

The chart shown below illustrates the average cost to insure both 2016 models for drivers aged 20 to 50. Average insurance cost ranges from $1,798 to $4,124 per year for a 2016 Ford F250 Super Duty, and $1,842 to $4,268 for a 2016 Ford F350 Super Duty for the age groups used in the chart.

For the 32 trim levels available for the 2016 Ford F250 Super Duty, the cheapest model to insure is the XL 2WD trim at an average cost of $1,642 per year, or about $137 per month. For the 32 trims available for the Ford F350 Super Duty, the cheapest 2016 trim level to insure is the XL 2WD trim at a cost of $1,932 per year, or around $161 per month.

When rates for all 64 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Ford F250 Super Duty XL 2WD at an average cost of $1,642 per year. The most expensive model and trim level is the Ford F250 Super Duty Lariat Super Cab 4WD Turbo Diesel at an average cost of $2,366 per year.

The two tables below display the expected annual car insurance cost by trim level for both 2016 models, plus an average rate for each model. The winner for the 2016 car insurance rate comparison is the Ford F250 Super Duty.

2015 Ford F250 vs F350 Insurance

When comparing insurance cost for 2015 models, the Ford F250 Super Duty costs an average of $1,898 per year to insure and the Ford F350 Super Duty costs $1,944, making the Ford F250 Super Duty the winner by $46 for 2015.

The next chart demonstrates the average cost to insure both models rated for different driver ages. Average car insurance cost ranges from $1,698 to $3,894 per year for a 2015 Ford F250 Super Duty, and $1,728 to $3,970 for a 2015 Ford F350 Super Duty for the age groups used in this illustration.

Out of 38 trims for the 2015 Ford F250 Super Duty, the cheapest rates are on the XL 2WD trim at a cost of $1,688 per year, or around $141 per month. For the 40 trim levels available for the Ford F350 Super Duty, the cheapest 2015 trim level to insure is the XL 2WD model at a cost of $1,746 per year, or $146 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim to insure is the Ford F250 Super Duty XL 2WD at an average cost of $1,688 per year, and the most expensive model and trim level is the Ford F350 Super Duty Crew Cab Platinum 4WD Turbo Diesel costing $2,130 per year.

The two tables below show trim level insurance rates for each 2015 model, including an overall average cost for each model.

Additional Ford F250 Super Duty and Ford F350 Super Duty Resources

• Ford F250 Super Duty Insurance Rates
• Ford F350 Super Duty Insurance Rates
• Heavy Duty Truck Insurance Rate Comparisons