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 $2,108 per year or $1,054 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 $81 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 $1,948 per year.
  • The F350 Super Duty Limited Crew Cab 4WD has the highest rates at $2,374 per year.

How much does Ford F350 Super Duty insurance cost?

Ford F350 Super Duty car insurance costs on average $2,108 yearly, or about $176 a month. Plan on paying approximately $81 more each year to insure a F-350 compared to the heavy duty trucks average rate, and $423 more per year than the overall national average of $1,685.

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 December 29, 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$3,630$303
$500$4,246$354
$250$4,896$408
30$1,000$1,874$156
$500$2,212$184
$250$2,566$214
40$1,000$1,798$150
$500$2,108$176
$250$2,432$203
50$1,000$1,646$137
$500$1,926$161
$250$2,218$185
60$1,000$1,618$135
$500$1,892$158
$250$2,180$182

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$2,108$1,054$176
2022 Ford F350 Super Duty$1,798$899$150
2021 Ford F350 Super Duty$1,956$978$163
2020 Ford F350 Super Duty$1,932$966$161
2019 Ford F350 Super Duty$1,884$942$157
2018 Ford F350 Super Duty$1,814$907$151
2017 Ford F350 Super Duty$1,796$898$150
2016 Ford F350 Super Duty$1,718$859$143
2015 Ford F350 Super Duty$1,608$804$134
2014 Ford F350 Super Duty$1,382$691$115
2013 Ford F350 Super Duty$1,590$795$133

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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 December 30, 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.

2023 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$1,948$974$162
XL Super Cab$1,986$993$166
XL Regular Cab 4WD$1,992$996$166
XL Crew Cab$2,008$1,004$167
XL Super Cab 4WD$2,028$1,014$169
XLT Regular Cab 4WD$2,040$1,020$170
XL Crew Cab 4WD$2,046$1,023$171
XLT Super Cab 4WD$2,076$1,038$173
XLT Crew Cab 4WD$2,096$1,048$175
Lariat Super Cab 4WD$2,168$1,084$181
Lariat Crew Cab 4WD$2,190$1,095$183
King Ranch Crew Cab 4WD$2,272$1,136$189
Platinum Crew Cab 4WD$2,282$1,141$190
Limited Crew Cab 4WD$2,374$1,187$198

Get Rates in Your AreaWhy is this important?

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 December 30, 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 $3,360 or more per year.
  • Be a careful driver and pay less for insurance. At-fault accidents raise insurance rates, possibly as much as $1,004 per year for a 30-year-old driver and even $684 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 $63 and $178 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 ($2,108 per year) and a 20-year-old driver ($4,246 per year) is $2,138, or a savings of 50.4%.
  • 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 $362 per year on their insurance cost.
  • Car insurance for teens is expensive. Average rates for full coverage F-350 pickup truck insurance costs $7,820 per year for a 16-year-old driver, $7,280 per year for a 17-year-old driver, $6,784 per year for a 18-year-old driver, and $6,110 per year for a 19-year-old driver.
  • Increase deductibles to save money. Raising policy deductibles from $500 to $1,000 could save around $310 per year for a 40-year-old driver and $616 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 $324 per year for a 40-year-old driver and $650 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 $172 more per year than the Chevrolet Silverado HD 2500, $168 more than the Chevrolet Silverado HD 3500, $24 less than the Ford F250 Super Duty, and $304 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 $2,108 per year for a car insurance policy with full coverage, while the class average policy cost is $2,027 annually, a difference of $81 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 December 30, 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
1GMC Sierra 2500 HD$1,804-$304
2GMC Sierra 3500$1,866-$242
3Chevrolet Silverado HD 2500$1,936-$172
4Chevrolet Silverado HD 3500$1,940-$168
5Nissan Titan XD$1,970-$138
6Ram Truck 2500$2,002-$106
7Ford F350 Super Duty$2,108--
8Ford F250 Super Duty$2,132$24
9Ram Truck 3500$2,158$50
10Ford F450 Super Duty$2,358$250