Ford F350 Super Duty Insurance Rates – 2023 Cost Comparison

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 $2,166 per year or $1,083 for a semi-annual policy, but can vary significantly based on driver age.
  • Ranked seventh out of 10 heavy duty trucks, insurance cost for the Ford F350 Super Duty costs $84 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 $2,002 per year.
  • The F350 Super Duty Limited Crew Cab 4WD has the highest rates at $2,440 per year.

How much does Ford F350 Super Duty insurance cost?

Ford F350 Super Duty car insurance costs on average $2,166 yearly, or about $181 a month. Plan on paying approximately $84 more each year to insure a F-350 compared to the heavy duty trucks average rate, and $438 more per year than the overall national average of $1,728.

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

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Chart Data Details: Chart shows average insurance cost for a 2023 Ford F350 Super Duty with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Ford F350 Super Duty trim levels.Data last updated on August 12, 2023
Ford F350 Super Duty Car Insurance Rates
2023 Ford F350 Super Duty Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,726$311
$500$4,358$363
$250$5,026$419
30$1,000$1,922$160
$500$2,270$189
$250$2,632$219
40$1,000$1,848$154
$500$2,166$181
$250$2,498$208
50$1,000$1,692$141
$500$1,978$165
$250$2,280$190
60$1,000$1,660$138
$500$1,942$162
$250$2,240$187

The next table shows average insurance rates on a Ford F350 Super Duty from the 2013 to the 2023 model years.

Ford F350 Super Duty Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Ford F350 Super Duty$2,166$1,083$181
2022 Ford F350 Super Duty$1,850$925$154
2021 Ford F350 Super Duty$2,008$1,004$167
2020 Ford F350 Super Duty$1,986$993$166
2019 Ford F350 Super Duty$1,934$967$161
2018 Ford F350 Super Duty$1,864$932$155
2017 Ford F350 Super Duty$1,844$922$154
2016 Ford F350 Super Duty$1,764$882$147
2015 Ford F350 Super Duty$1,652$826$138
2014 Ford F350 Super Duty$1,420$710$118
2013 Ford F350 Super Duty$1,632$816$136

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Ford F350 Super Duty Insurance Cost by Model Year

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.

2023 Ford F350 Super Duty Insurance Cost by Trim Level
Ford F350 Super Duty Trim Level Annual Policy Six-Month Policy Per Month
XL Regular Cab$2,002$1,001$167
XL Super Cab$2,042$1,021$170
XL Regular Cab 4WD$2,046$1,023$171
XL Crew Cab$2,062$1,031$172
XL Super Cab 4WD$2,082$1,041$174
XLT Regular Cab 4WD$2,098$1,049$175
XL Crew Cab 4WD$2,104$1,052$175
XLT Super Cab 4WD$2,134$1,067$178
XLT Crew Cab 4WD$2,152$1,076$179
Lariat Super Cab 4WD$2,228$1,114$186
Lariat Crew Cab 4WD$2,250$1,125$188
King Ranch Crew Cab 4WD$2,336$1,168$195
Platinum Crew Cab 4WD$2,344$1,172$195
Limited Crew Cab 4WD$2,440$1,220$203

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Table Data Details: Average rates are for a 2023 Ford F350 Super Duty, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Ford F350 Super Duty Insurance Cost by Trim Level

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 $3,450 or more per year.
  • Be a careful driver and pay less for insurance. At-fault accidents raise insurance rates, possibly as much as $1,028 per year for a 30-year-old driver and even $698 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 $65 and $183 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 2023 F350 Super Duty insurance rates between a 40-year-old driver ($2,166 per year) and a 20-year-old driver ($4,358 per year) is $2,192, or a savings of 67.2%.
  • 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 $374 per year on their insurance cost.
  • Car insurance for teens is expensive. Average rates for full coverage F-350 pickup truck insurance costs $8,024 per year for a 16-year-old driver, $7,474 per year for a 17-year-old driver, $6,962 per year for an 18-year-old driver, and $6,274 per year for a 19-year-old driver.
  • Increase deductibles to save money. Raising policy deductibles from $500 to $1,000 could save around $318 per year for a 40-year-old driver and $632 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 $332 per year for a 40-year-old driver and $668 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 2023 heavy duty truck category, car insurance prices for a Ford F-350 Super Duty cost $180 more per year than the Chevrolet Silverado HD 2500, $174 more than the Chevrolet Silverado HD 3500, $26 less than the Ford F250 Super Duty, and $310 more than the GMC Sierra 2500 HD.

The Ford F350 Super Duty ranks seventh out of 10 total vehicles in the heavy duty truck category for insurance affordability. The F350 Super Duty costs an estimated $2,166 per year for a car insurance policy with full coverage, while the class average policy cost is $2,082 annually, a difference of $84 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Ford F350 Super Duty, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Ford F350 Super Duty trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Ford F350 Super Duty vs Heavy Duty Trucks Insurance Rate Comparison
Ford F350 Super Duty Insurance Cost Compared to All Heavy Duty Trucks
Rank Make/Model Insurance Cost Difference
1GMC Sierra 2500 HD$1,856-$310
2GMC Sierra 3500$1,912-$254
3Chevrolet Silverado HD 2500$1,986-$180
4Chevrolet Silverado HD 3500$1,992-$174
5Nissan Titan XD$2,022-$144
6Ram Truck 2500$2,054-$112
7Ford F350 Super Duty$2,166--
8Ford F250 Super Duty$2,192$26
9Ram Truck 3500$2,222$56
10Ford F450 Super Duty$2,422$256