Ford F450 Super Duty Car Insurance Comparison: 2025 Edition

How much does Ford F450 Super Duty insurance cost? We analyze car insurance cost from the base F450 Super Duty XL trim up to the loaded Platinum Crew Cab models to see how average insurance prices rank when compared to other heavy duty trucks.

Start a Free QuoteCompare Ford F450 Super Duty insurance quotes and save on your next policy.

  • Ford F450 Super Duty insurance costs an average of $2,802 per year for a full coverage policy, but prices can vary considerably based on driver age and policy limits.
  • The F450 Super Duty XL Regular Cab model is the cheapest to insure at around $2,570 per year. The most expensive trim is the Limited Crew Cab 4WD at $3,086 per year.
  • Out of 10 other heavy duty truck comparison models for 2024, the F450 Super Duty ranks sixth for insurance cost.

How much does Ford F450 Super Duty insurance cost?

Ford F450 car insurance costs an average of $2,802 a year for a full coverage policy. Collision insurance costs an estimated $1,424 a year, comprehensive costs approximately $650, and the remaining liability and medical payments insurance will cost around $728.

The following rate chart displays a summary of 2024 Ford F450 Super Duty insurance rates using a variety of policy scenarios and driver ages.

Average 2024 Ford F450 Super Duty insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Ford F450 Super Duty insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2024 model year Ford F450 Super Duty with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ford F450 Super Duty trim levels.

2024 Ford F450 Super Duty Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,502$542
Safe Driver Age 20$5,704$475
At-fault Accidents Age 40$3,974$331
Low Deductibles Age 40$3,726$311
Safe Driver Age 30$2,994$250
Safe Driver Age 40$2,802$234
Safe Driver Age 50$2,468$206
High Deductibles Age 40$2,332$194
Discount Rate Age 40$2,322$194
Safe Driver Age 60$2,314$193

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F450 Super Duty trim levels. Updated June 26, 2025

The following data table breaks down average insurance cost data for a Ford F450 Super Duty for the 2013 to 2024 model years and for various driver ages.

Ford F450 Super Duty Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Ford F450 Super Duty$5,704$2,802$2,314
2023 Ford F450 Super Duty$6,264$3,044$2,526
2022 Ford F450 Super Duty$5,780$2,810$2,324
2021 Ford F450 Super Duty$5,380$2,622$2,172
2020 Ford F450 Super Duty$5,210$2,540$2,104
2019 Ford F450 Super Duty$5,054$2,460$2,038
2018 Ford F450 Super Duty$5,164$2,504$2,074
2017 Ford F450 Super Duty$4,946$2,402$1,990
2016 Ford F450 Super Duty$4,478$2,188$1,816
2015 Ford F450 Super Duty$4,676$2,282$1,906
2014 Ford F450 Super Duty$3,874$1,916$1,594
2013 Ford F450 Super Duty$3,610$1,794$1,496

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 F450 Super Duty trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2013 to 2024 Ford F450 Super Duty models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Ford F450 Super Duty models for drivers age 20, 40 and 60

The next table displays the estimated yearly and 6-month policy costs, plus a monthly amount for budgeting, for each Ford F450 Super Duty package and trim.

2024 Ford F450 Super Duty Insurance Rates by Trim Level
2024 Ford F450 Super Duty Trim Level Annual Premium Cost Per Month
XL Regular Cab$2,570$214
XL Regular Cab 4WD$2,630$219
XL Crew Cab$2,664$222
XLT Regular Cab 4WD$2,704$225
XL Crew Cab 4WD$2,716$226
XLT Crew Cab 4WD$2,752$229
Lariat Crew Cab 4WD$2,878$240
King Ranch Crew Cab 4WD$2,998$250
Platinum Crew Cab 4WD$3,012$251
Limited Crew Cab 4WD$3,086$257

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 27, 2025

Insurance cost by trim level for a 2024 Ford F450 Super Duty ranging from the XL Regular Cab model at $2,570 per year to the Limited Crew Cab 4WD model at $3,086
Insurance cost by trim level for a 2024 Ford F450 Super Duty ranging from the XL Regular Cab model at $2,570 per year to the Limited Crew Cab 4WD model at $3,086

How do F450 Super Duty insurance rates rank?

The Ford F450 Super Duty ranks sixth out of 10 total vehicles in the heavy duty truck category for most affordable auto insurance rates. The F450 Super Duty costs an average of $2,802 per year to insure and the category average rate is $2,694 annually, a difference of $108 per year.

When compared directly to other heavy duty truck models, insurance rates for a Ford F450 Super Duty cost $230 more per year than the Chevrolet Silverado HD 2500, $298 more than the Chevrolet Silverado HD 3500, and $14 less than the Ford F250 Super Duty.

The table displayed below shows how average F450 Super Duty car insurance cost compares to the top-selling heavy duty trucks like the Ford F350 Super Duty, GMC Sierra 2500 HD, and the GMC Sierra 3500.

Insurance Cost Comparison: Ford F450 Super Duty vs Heavy Duty Trucks
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$2,384-$418
2GMC Sierra 3500$2,482-$320
3Chevrolet Silverado HD 3500$2,504-$298
4Chevrolet Silverado HD 2500$2,572-$230
5Nissan Titan XD$2,590-$212
6Ford F450 Super Duty$2,802--
7Ford F250 Super Duty$2,816$14
8Ford F350 Super Duty$2,836$34
9Ram Truck 3500$2,964$162
10Ram Truck 2500$2,988$186

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 26, 2025

At $2,802 per year, insurance cost for a 2024 Ford F450 Super Duty ranks sixth out of 10 models in the heavy duty truck segment
At $2,802 per year, insurance cost for a 2024 Ford F450 Super Duty ranks sixth out of 10 models in the heavy duty truck segment

Ford F350 vs F450 insurance

The decision of whether buy a F350 or F450 truck often comes down to minor details, like the cost of insurance. When it comes to F350 vs. F450 insurance cost, the F350 has slightly cheaper average insurance cost than the F450. But at only about $60 year, it’s probably not a big enough difference to sway such a large purchase decision.

The model of F350 or F450 truck can make a big difference in insurance cost, however. Comparing a F350 XL model with the 6.2L V8 engine is not an apples-to-apples comparison to the F450 Limited with the 6.7L Power Stroke turbo diesel. So when buying one of these big (and expensive) trucks, make sure you do your due diligence and get a few insurance quotes to make sure you don’t get sticker shock when shopping for insurance.

Other F450 Super Duty insurance rates and insights

More important data observations regarding F450 Super Duty insurance cost include:

  • F450 Super Duty insurance rates for teenagers are high. Average rates for full coverage F450 Super Duty insurance costs $10,035 per year for a 16-year-old driver, $9,765 per year for a 17-year-old driver, $8,826 per year for an 18-year-old driver, and $7,993 per year for a 19-year-old driver.
  • Car insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $470 per year for a 40-year-old driver and $932 per year for a 20-year-old driver.
  • Choosing a low deductible will increase insurance policy cost. Dropping your physical damage deductibles from $500 to $250 could cost an additional $490 per year for a 40-year-old driver and $996 per year for a 20-year-old driver.
  • Get cheaper rates because of your employment. Some insurance companies offer policy discounts for working in professions like doctors, engineers, lawyers, high school and elementary teachers, firefighters, dentists, and others. If you qualify for this occupational discount, you could save between $84 and $228 on your annual F450 Super Duty insurance premium, subject to the policy coverages selected.
  • Excellent credit equals excellent rates. Having a good credit rating over 800 could save $440 per year compared to a good credit rating of 670-739. Conversely, a lesser credit rating could cost around $510 more per year.
  • Earn policy discounts to save money. Discounts may be available if the insureds are claim-free, insure their home and car with the same company, are accident-free, are good students, work in certain occupations, or many other policy discounts which could save the average driver as much as $480 per year on the cost of insuring a Ford F450 Super Duty.
  • Be a careful driver and pay less. Multiple at-fault accidents raise rates, possibly by an extra $1,368 per year for a 30-year-old driver and as much as $840 per year for a 50-year-old driver.
  • Obey driving laws to keep rates low. In order to get the cheapest possible F450 Super Duty insurance rates, it pays to obey traffic laws. In fact, just a couple blemishes on your motor vehicle report have the ramification of increasing insurance policy cost by up to $752 per year. Being convicted of a crime such as hit-and-run could raise rates by an additional $2,646 or more.