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 $2,642 to $3,268 per year, while car insurance cost for a 2024 Ford F350 Super Duty ranges from $2,652 to $3,320 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 $2,884 per year, whereas insurance for a Ford F350 Super Duty averages $2,904 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 $2,642 per year, or $220 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 $2,652 per year, or around $221 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 $2,642 per year. The highest-cost model and trim is the Ford F350 Super Duty Limited Crew Cab 4WD at a cost of $3,320 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 $2,554 to $5,854 per year for a 2024 Ford F250 Super Duty, and $2,560 to $5,902 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 $2,818 per year, whereas a 2023 Ford F350 Super Duty averages $2,784 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 $2,598 per year, or about $217 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 $2,570.

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 $2,570 per year, and the overall most expensive vehicle to insure is the Ford F250 Super Duty Limited Crew Cab 4WD costing $3,180 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 $2,502 to $5,812 per year for a 2023 Ford F250 Super Duty, and $2,472 to $5,706 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 $2,602 per year to insure and a Ford F350 Super Duty costs $2,376, 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 $2,324 to $5,338 per year for these driver ages. A 2022 Ford F350 Super Duty costs from $2,114 to $4,862 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 $2,376 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 $2,046.

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 $2,046 per year. The most expensive vehicle to insure is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $2,886 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 $8 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 $2,322 to $5,364 per year for a 2021 Ford F250 Super Duty, and $2,298 to $5,342 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 $2,336 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 $2,330 per year, or $194 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 $2,330 per year, and the highest-cost model and trim level is the Ford F250 Super Duty Limited Crew Cab 4WD costing an average of $3,190 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 $12 per year.

The chart below shows the average cost to insure both models with different ages of drivers. Insurance cost ranges from $2,262 to $5,218 per year for a 2020 Ford F250 Super Duty, and $2,230 to $5,182 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 $2,278 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 $2,258.

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 $2,258 per year, and the most expensive trim is the Ford F250 Super Duty Limited Crew Cab 4WD at a cost of $3,096 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 $2,202 to $5,084 per year for these driver ages. A 2019 Ford F350 Super Duty costs from $2,162 to $5,030 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 $2,216 per year, or about $185 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 $2,190 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 $2,190 per year. The overall most expensive vehicle to insure is the Ford F250 Super Duty Limited Crew Cab 4WD at an average cost of $3,004 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 $38 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 $2,096 to $4,822 per year for the example age groups. A 2018 Ford F350 Super Duty costs from $2,044 to $4,738 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 $2,136 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 $2,092 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 $2,092 per year, and the most expensive model and trim level is the Ford F250 Super Duty Crew Cab King Ranch 4WD Turbo Diesel costing $2,638 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 $2,302 per year to insure and a Ford F350 Super Duty costs $2,282, making the Ford F350 Super Duty cheaper to insure by $20 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 $2,062 to $4,740 per year for a 2017 Ford F250 Super Duty, and $2,026 to $4,700 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 $2,000 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 $2,010.

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 $2,000 per year. The most expensive trim is the Ford F250 Super Duty Crew Cab Platinum 4WD Turbo Diesel at a cost of $2,638 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 $2,054 per year to insure and a Ford F350 Super Duty costs $2,126, making the Ford F250 Super Duty cheaper to insure by $72 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 $1,842 to $4,226 per year for a 2016 Ford F250 Super Duty, and $1,890 to $4,370 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 $1,684 per year, or about $140 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 $1,976 per year, or around $165 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 $1,684 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 $2,422 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 $1,944 per year to insure and the Ford F350 Super Duty costs $1,992, making the Ford F250 Super Duty the winner by $48 for 2015.

The next chart demonstrates the average cost to insure both models rated for different driver ages. Average car insurance cost ranges from $1,740 to $3,990 per year for a 2015 Ford F250 Super Duty, and $1,776 to $4,066 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 $1,730 per year, or around $144 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 $1,786 per year, or $149 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 $1,730 per year, and the most expensive model and trim level is the Ford F350 Super Duty Crew Cab Platinum 4WD Turbo Diesel costing $2,182 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