- Ford F350 Super Duty insurance rates average $2,904 per year or $1,452 for a semi-annual policy, but can vary significantly based on driver age.
- Ranked eighth out of 10 heavy duty trucks, insurance cost for the Ford F350 Super Duty costs $145 more per year than the average cost for the segment.
- Drivers can find the cheapest insurance on the F350 Super Duty XL Regular Cab model at $2,652 per year.
- The F350 Super Duty Limited Crew Cab 4WD has the highest rates at $3,320 per year.
How much does Ford F350 Super Duty insurance cost?
Ford F350 Super Duty car insurance costs on average $2,904 yearly, or about $242 a month. Plan on paying approximately $145 more each year to insure a F-350 compared to the heavy duty trucks average rate, and $628 more per year than the overall national average of $2,276.
The bar chart below demonstrates how Ford F350 Super Duty insurance cost changes with differences in driver age and physical damage deductibles.
The next table shows average insurance rates on a Ford F350 Super Duty from the 2013 to the 2024 model years.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Ford F350 Super Duty | $2,904 | $242 |
| 2023 Ford F350 Super Duty | $2,784 | $232 |
| 2022 Ford F350 Super Duty | $2,376 | $198 |
| 2021 Ford F350 Super Duty | $2,592 | $216 |
| 2020 Ford F350 Super Duty | $2,518 | $210 |
| 2019 Ford F350 Super Duty | $2,436 | $203 |
| 2018 Ford F350 Super Duty | $2,300 | $192 |
| 2017 Ford F350 Super Duty | $2,282 | $190 |
| 2016 Ford F350 Super Duty | $2,126 | $177 |
| 2015 Ford F350 Super Duty | $1,992 | $166 |
| 2014 Ford F350 Super Duty | $1,726 | $144 |
| 2013 Ford F350 Super Duty | $1,956 | $163 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Ford F350 Super Duty trim levels for each model year. Updated October 24, 2025
The next table shows the estimated yearly and semi-annual policy costs, plus a monthly budget amount, for each F-350 Super Duty truck package and trim level.
| 2024 Ford F350 Super Duty Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| XL Regular Cab | $2,652 | $221 |
| XL Super Cab | $2,716 | $226 |
| XL Regular Cab 4WD | $2,722 | $227 |
| XL Crew Cab | $2,748 | $229 |
| XL Super Cab 4WD | $2,778 | $232 |
| XLT Regular Cab 4WD | $2,800 | $233 |
| XL Crew Cab 4WD | $2,812 | $234 |
| XLT Super Cab 4WD | $2,856 | $238 |
| XLT Crew Cab 4WD | $2,888 | $241 |
| Lariat Super Cab 4WD | $2,996 | $250 |
| Lariat Crew Cab 4WD | $3,028 | $252 |
| King Ranch Crew Cab 4WD | $3,168 | $264 |
| Platinum Crew Cab 4WD | $3,174 | $265 |
| Limited Crew Cab 4WD | $3,320 | $277 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
More F350 Super Duty car insurance rates
More key data observations concerning the cost of insurance for a F350 Super Duty include:
- High-risk drivers pay a lot more for insurance. For a 20-year-old driver, having to buy a high-risk insurance policy can increase the cost by $4,636 or more per year.
- Be a careful driver and pay less for insurance. At-fault accidents raise insurance rates, possibly as much as $1,416 per year for a 30-year-old driver and even $704 per year for a 60-year-old driver.
- Your choice of occupation could earn you discounts. The vast majority of car insurance providers offer discounts for being employed in professions like engineers, dentists, architects, members of the military, accountants, and other. Being employed in a qualifying profession could save between $87 and $233 on your yearly F350 Super Duty insurance premium, depending on the age of the driver.
- As you age, insurance rates get cheaper. The difference in 2024 F350 Super Duty insurance rates between a 40-year-old driver ($2,904 per year) and a 20-year-old driver ($5,902 per year) is $2,998, or a savings of 68.1%.
- Qualify for discounts to save money. Discounts may be available if the policyholders take a defensive driving course, work in certain occupations, drive low annual mileage, are good students, are homeowners, or many other discounts which could save the average driver as much as $494 per year on their insurance cost.
- Car insurance for teens is expensive. Average rates for full coverage F-350 pickup truck insurance costs $10,357 per year for a 16-year-old driver, $10,083 per year for a 17-year-old driver, $9,119 per year for an 18-year-old driver, and $8,260 per year for a 19-year-old driver.
- Increase deductibles to save money. Raising policy deductibles from $500 to $1,000 could save around $488 per year for a 40-year-old driver and $970 per year for a 20-year-old driver.
- Choosing a low deductible will increase insurance policy cost. Decreasing deductibles from $500 to $250 could cost an additional $510 per year for a 40-year-old driver and $1,030 per year for a 20-year-old driver.
How does Ford F-350 insurance compare to other trucks?
When compared directly to the best-selling models in the 2024 heavy duty truck category, car insurance prices for a Ford F-350 Super Duty cost $272 more per year than the Chevrolet Silverado HD 2500, $340 more than the Chevrolet Silverado HD 3500, $20 more than the Ford F250 Super Duty, and $464 more than the GMC Sierra 2500 HD.
The Ford F350 Super Duty ranks eighth out of 10 total vehicles in the heavy duty truck category for insurance affordability. The F350 Super Duty costs an estimated $2,904 per year for a car insurance policy with full coverage, while the class average policy cost is $2,759 annually, a difference of $145 per year.
The chart below shows how insurance rates for a Ford F350 Super Duty fare against the most popular heavy duty trucks like the GMC Sierra 3500, Ram 2500, and the Ram 3500 pickup.
