Ford F350 Super Duty Insurance Rates – 2022 Cost Comparison

How much does F350 Super Duty insurance cost? We analyzed historical rates from the base F350 Super Duty XL 2WD to the Crew Cab Limited 4WD model to find out how insurance costs compare to the heavy duty truck class.

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  • Ford F350 Super Duty insurance rates average $1,642 per year or $821 for a semi-annual policy, but can vary significantly based on driver age.
  • Ranked #1 out of 10 heavy duty trucks, insurance cost for the Ford F350 Super Duty costs $162 less 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 $1,416 per year.
  • The F350 Super Duty Limited Crew Cab 4WD has the highest rates at $1,908 per year.

How much does Ford F350 Super Duty insurance cost?

Ford F350 Super Duty car insurance costs on average $1,642 yearly, or about $137 a month. Plan on paying approximately $162 less each year to insure a F-350 compared to the heavy duty trucks average rate, and $91 more per year than the overall national average of $1,551.

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 2022 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 April 14, 2022
Ford F350 Super Duty Car Insurance Rates
Ford F350 Super Duty Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,826$236
$500$3,298$275
$250$3,802$317
30$1,000$1,460$122
$500$1,722$144
$250$1,994$166
40$1,000$1,404$117
$500$1,642$137
$250$1,896$158
50$1,000$1,286$107
$500$1,502$125
$250$1,730$144
60$1,000$1,260$105
$500$1,474$123
$250$1,696$141

The next table shows average insurance rates on a Ford F350 Super Duty from the 2013 to the 2021 model years.

Ford F350 Super Duty Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Ford F350 Super Duty$1,642$821$137
2021 Ford F350 Super Duty$1,778$889$148
2020 Ford F350 Super Duty$1,746$873$146
2019 Ford F350 Super Duty$1,724$862$144
2018 Ford F350 Super Duty$1,660$830$138
2017 Ford F350 Super Duty$1,668$834$139
2016 Ford F350 Super Duty$1,588$794$132
2015 Ford F350 Super Duty$1,514$757$126
2014 Ford F350 Super Duty$1,292$646$108
2013 Ford F350 Super Duty$1,462$731$122

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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 February 20, 2022
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.

2022 Ford F350 Super Duty Insurance Cost by Trim Level
Ford F350 Super Duty Trim Level Annual Policy 6-month Policy Per Month
XL Regular Cab$1,416$708$118
XL Super Cab$1,452$726$121
XL Crew Cab$1,468$734$122
XLT Regular Cab$1,482$741$124
XLT Super Cab$1,510$755$126
XLT Crew Cab$1,530$765$128
Lariat Super Cab$1,566$783$131
Lariat Crew Cab$1,588$794$132
XL Regular Cab 4WD$1,604$802$134
XL Super Cab 4WD$1,636$818$136
XL Crew Cab 4WD$1,648$824$137
XLT Regular Cab 4WD$1,662$831$139
King Ranch Crew Cab$1,668$834$139
Platinum Crew Cab$1,682$841$140
XLT Super Cab 4WD$1,690$845$141
XLT Crew Cab 4WD$1,706$853$142
Lariat Super Cab 4WD$1,738$869$145
Limited Crew Cab$1,752$876$146
Lariat Crew Cab 4WD$1,756$878$146
King Ranch Crew Cab 4WD$1,832$916$153
Platinum Crew Cab 4WD$1,846$923$154
Limited Crew Cab 4WD$1,908$954$159

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Table Data Details: Average rates are for a 2022 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 February 20, 2022
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 $2,604 or more per year.
  • Be a careful driver and pay less for insurance. At-fault accidents raise insurance rates, possibly as much as $778 per year for a 30-year-old driver and even $528 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 $49 and $158 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 2022 F350 Super Duty insurance rates between a 40-year-old driver ($1,642 per year) and a 20-year-old driver ($3,298 per year) is $1,656, or a savings of 50.2%.
  • 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 $280 per year on their insurance cost.
  • Car insurance for teens is expensive. Average rates for full coverage F-350 pickup truck insurance costs $6,076 per year for a 16-year-old driver, $5,654 per year for a 17-year-old driver, $5,268 per year for a 18-year-old driver, and $4,746 per year for a 19-year-old driver.
  • Increase deductibles to save money. Raising policy deductibles from $500 to $1,000 could save around $238 per year for a 40-year-old driver and $472 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 $254 per year for a 40-year-old driver and $504 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 2022 heavy duty truck category, car insurance prices for a Ford F-350 Super Duty cost $166 less per year than the Chevrolet Silverado HD 2500, $14 less than the Chevrolet Silverado HD 3500, $158 less than the Ford F250 Super Duty, and $124 less than the GMC Sierra 2500 HD.

The Ford F350 Super Duty ranks #1 out of 10 total vehicles in the heavy duty truck category for insurance affordability. The F350 Super Duty costs an estimated $1,642 per year for a car insurance policy with full coverage, while the class average policy cost is $1,804 annually, a difference of $162 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 2022 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 March 9, 2022
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
1Ford F350 Super Duty$1,642--
2Chevrolet Silverado HD 3500$1,656$14
3Nissan Titan XD$1,700$58
4GMC Sierra 2500 HD$1,766$124
5GMC Sierra 3500$1,782$140
6Ford F250 Super Duty$1,800$158
7Chevrolet Silverado HD 2500$1,808$166
8Ram Truck 2500$1,866$224
9Ford F450 Super Duty$1,990$348
10Ram Truck 3500$2,034$392