What to Expect When Insuring a Ford F250 Super Duty in 2025

• Ford F-250 Super Duty insurance rates average $2,816 per year or $1,408 for a semi-annual policy, depending on the trim level.
• The F-250 Super Duty ranks seventh out of 10 vehicles in the heavy duty truck class for insurance affordability.
• The cheapest F-250 Super Duty to insure is the XL Regular Cab model at an estimated $2,580 per year. The most expensive is the Limited Crew Cab 4WD at $3,192 annually.

How much does Ford F-250 Super Duty insurance cost?

Ford F-250 Super Duty car insurance rates average $2,816 annually, or $235 each month. With the average heavy duty truck costing $2,694 a year to insure, the Ford F-250 Super Duty could cost $122 or more each year.

The chart below shows how F-250 Super Duty insurance costs vary based on the age of the driver and physical damage deductibles.

A few additional insights regarding the cost to insure a Ford F-250 Super Duty include:

• Careful drivers have lower rates. Having multiple accidents could cost you more, as much as $4,082 per year for a 20-year-old driver and even $1,186 per year for a 40-year-old driver.
• Gender affects car insurance rates. For a 2024 Ford F-250 Super Duty, a 20-year-old male driver will pay an estimated rate of $5,710 per year, while a 20-year-old female pays $4,082, a difference of $1,628 per year in the women’s favor by a large margin. But by age 50, the male rate is $2,492 and the cost for a female driver is $2,428, a difference of only $64.
• Auto insurance is cheaper with higher deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $448 per year for a 40-year-old driver and $884 per year for a 20-year-old driver.
• Low deductibles will increase rates. Decreasing your policy deductibles from $500 to $250 could cost an additional $468 per year for a 40-year-old driver and $938 per year for a 20-year-old driver.
• As you age, insurance rates get cheaper. The difference in F-250 Super Duty car insurance rates between a 40-year-old driver ($2,816 per year) and a 20-year-old driver ($5,710 per year) is $2,894, or a savings of 67.9%.
• Fewer violations means cheaper insurance rates. In order to get the cheapest F250 Super Duty insurance rates, it pays to drive conservatively. As few as two minor incidents on your driving report could possibly increase insurance cost by as much as $760 per year. Major convictions such as a DUI could raise rates by an additional $2,652 or more.

Is Ford F-250 car insurance expensive?

When compared to other heavy duty trucks, insurance for a Ford F-250 Super Duty costs $244 more per year than the Chevrolet Silverado HD 2500, $312 more than the Chevrolet Silverado HD 3500, $20 less than the Ford F350 Super Duty, and $432 more than the GMC Sierra 2500 HD.

The Ford F-250 Super Duty ranks seventh out of 10 total comparison vehicles in the heavy duty truck class. It costs an average of $2,816 per year for insurance on a F250 and the class median cost is $2,694 annually, a difference of $122 per year.

The chart below shows how well average F-250 Super Duty insurance prices rank against all the other heavy duty pickup trucks in the class.

What is the cheapest Ford F-250 Super Duty insurance?

With Ford F-250 Super Duty car insurance cost ranging from $2,580 to $3,192 per year, the most budget-friendly trim level to insure is the XL Regular Cab. The next cheapest trim level to insure is the XL Super Cab also at $2,636 per year. Expect to pay a minimum of $215 per month to insure a F-250 Super Duty for full coverage, depending on the policy limits, of course.

The most expensive Ford F-250 Super Duty insurance is on the Limited Crew Cab 4WD at $3,192 and the Platinum Crew Cab 4WD at $3,062 per year. Those trims will cost an extra $612 and $482 per year, respectively, over the lowest cost XL Regular Cab model.

The next table shows the average annual and 6-month insurance policy costs, plus a monthly budget amount, for each Ford F-250 Super Duty model and trim level.

How much is insurance on a used Ford F-250?

Insuring a 2013 Ford F-250 Super Duty could save $1,040 or more each year over the cost of insuring a new 2024 model. A 2016 model would save around $812 per year, and a 2019 model may save around $412.

The table below details average car insurance rates for a Ford F-250 Super Duty for different model years and driver age groups. For this example, auto insurance costs range from the cheapest price of $1,490 for a 60-year-old driver rated on a 2013 Ford F-250 Super Duty to a maximum of $5,710 for a 20-year-old driver rated on a 2024 Ford F-250.