Ford F350 Super Duty Car Insurance Costs: 2025 Rates Edition

We analyzed average rates for the XL Regular Cab model up to the Limited Crew Cab 4WD trim to discover how insurance for a F-350 Super Duty compares to other heavy duty trucks.

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  • Ford F350 Super Duty insurance rates average $2,836 per year or $1,418 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 $142 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 $2,592 per year.
  • The F350 Super Duty Limited Crew Cab 4WD has the highest rates at $3,244 per year.

How much does Ford F350 Super Duty insurance cost?

Ford F350 Super Duty car insurance costs on average $2,836 yearly, or about $236 a month. Plan on paying approximately $142 more each year to insure a F-350 compared to the heavy duty trucks average rate, and $615 more per year than the overall national average of $2,221.

The bar chart below demonstrates how Ford F350 Super Duty insurance cost changes with differences in driver age and physical damage deductibles.

Average 2024 Ford F350 Super Duty car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Ford F350 Super Duty car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Ford F350 Super Duty. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Ford F350 Super Duty Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,812$401
$500$5,760$480
$250$6,764$564
30-Year-Old$1,000$2,514$210
$500$3,032$253
$250$3,574$298
40-Year-Old$1,000$2,358$197
$500$2,836$236
$250$3,336$278
50-Year-Old$1,000$2,086$174
$500$2,500$208
$250$2,930$244
60-Year-Old$1,000$1,956$163
$500$2,344$195
$250$2,746$229

Data Methodology: Rated driver has 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 the 2024 Ford F350 Super Duty. Updated June 27, 2025

The next table shows average insurance rates on a Ford F350 Super Duty from the 2013 to the 2024 model years.

Ford F350 Super Duty Insurance Cost for 2013-2024 Models
Model Year and Vehicle Annual Premium Cost Per Month
2024 Ford F350 Super Duty$2,836$236
2023 Ford F350 Super Duty$2,716$226
2022 Ford F350 Super Duty$2,320$193
2021 Ford F350 Super Duty$2,530$211
2020 Ford F350 Super Duty$2,456$205
2019 Ford F350 Super Duty$2,380$198
2018 Ford F350 Super Duty$2,244$187
2017 Ford F350 Super Duty$2,226$186
2016 Ford F350 Super Duty$2,074$173
2015 Ford F350 Super Duty$1,944$162
2014 Ford F350 Super Duty$1,686$141
2013 Ford F350 Super Duty$1,908$159

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 June 26, 2025

Average annual premium and cost per month to insure 2013 to 2024 Ford F350 Super Duty models
Average annual premium and cost per month to insure 2013 to 2024 Ford F350 Super Duty models

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 Insurance Rates by Trim Level
2024 Ford F350 Super Duty Trim Level Annual Premium Cost Per Month
XL Regular Cab$2,592$216
XL Super Cab$2,652$221
XL Regular Cab 4WD$2,658$222
XL Crew Cab$2,686$224
XL Super Cab 4WD$2,714$226
XLT Regular Cab 4WD$2,734$228
XL Crew Cab 4WD$2,746$229
XLT Super Cab 4WD$2,788$232
XLT Crew Cab 4WD$2,822$235
Lariat Super Cab 4WD$2,924$244
Lariat Crew Cab 4WD$2,958$247
King Ranch Crew Cab 4WD$3,094$258
Platinum Crew Cab 4WD$3,100$258
Limited Crew Cab 4WD$3,244$270

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 June 26, 2025

Insurance cost by trim level for a 2024 Ford F350 Super Duty ranging from the XL Regular Cab model at $2,592 per year to the Limited Crew Cab 4WD model at $3,244
Insurance cost by trim level for a 2024 Ford F350 Super Duty ranging from the XL Regular Cab model at $2,592 per year to the Limited Crew Cab 4WD model at $3,244

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 $4,524 or more per year.
  • Be a careful driver and pay less for insurance. At-fault accidents raise insurance rates, possibly as much as $1,380 per year for a 30-year-old driver and even $688 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 $85 and $228 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 ($2,836 per year) and a 20-year-old driver ($5,760 per year) is $2,924, or a savings of 68%.
  • 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 $484 per year on their insurance cost.
  • Car insurance for teens is expensive. Average rates for full coverage F-350 pickup truck insurance costs $10,111 per year for a 16-year-old driver, $9,840 per year for a 17-year-old driver, $8,900 per year for an 18-year-old driver, and $8,062 per year for a 19-year-old driver.
  • Increase deductibles to save money. Raising policy deductibles from $500 to $1,000 could save around $478 per year for a 40-year-old driver and $948 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 $500 per year for a 40-year-old driver and $1,004 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 $264 more per year than the Chevrolet Silverado HD 2500, $332 more than the Chevrolet Silverado HD 3500, $20 more than the Ford F250 Super Duty, and $452 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 $2,836 per year for a car insurance policy with full coverage, while the class average policy cost is $2,694 annually, a difference of $142 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.

Average 2024 Ford F350 Super Duty car insurance premium compared to other heavy duty truck models.
Figure 2: Average 2024 Ford F350 Super Duty car insurance premium compared to other heavy duty truck models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F350 Super Duty. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Ford F350 Super Duty trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Ford F350 Super Duty Insurance Cost Compared to All Heavy Duty Trucks
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$2,384-$452
2GMC Sierra 3500$2,482-$354
3Chevrolet Silverado HD 3500$2,504-$332
4Chevrolet Silverado HD 2500$2,572-$264
5Nissan Titan XD$2,590-$246
6Ford F450 Super Duty$2,802-$34
7Ford F250 Super Duty$2,816-$20
8Ford F350 Super Duty$2,836--
9Ram Truck 3500$2,964$128
10Ram Truck 2500$2,988$152

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 trim levels for each vehicle from the 2024 model year. Updated June 27, 2025