- Ford F450 Super Duty insurance costs an average of $2,268 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 $2,080 per year. The most expensive trim is the Limited Crew Cab 4WD at $2,500 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 $2,268 a year for a full coverage policy. Collision insurance costs an estimated $1,154 a year, comprehensive costs approximately $526, and the remaining liability and medical payments insurance will cost around $588.
The following rate chart displays a summary of 2024 Ford F450 Super Duty insurance rates using a variety of policy scenarios and driver ages.
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.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Ford F450 Super Duty | $4,626 | $2,268 | $1,876 |
| 2023 Ford F450 Super Duty | $5,076 | $2,468 | $2,048 |
| 2022 Ford F450 Super Duty | $4,686 | $2,278 | $1,884 |
| 2021 Ford F450 Super Duty | $4,360 | $2,124 | $1,760 |
| 2020 Ford F450 Super Duty | $4,224 | $2,058 | $1,706 |
| 2019 Ford F450 Super Duty | $4,098 | $1,992 | $1,650 |
| 2018 Ford F450 Super Duty | $4,186 | $2,028 | $1,680 |
| 2017 Ford F450 Super Duty | $4,010 | $1,944 | $1,614 |
| 2016 Ford F450 Super Duty | $3,628 | $1,772 | $1,472 |
| 2015 Ford F450 Super Duty | $3,788 | $1,852 | $1,546 |
| 2014 Ford F450 Super Duty | $3,138 | $1,550 | $1,292 |
| 2013 Ford F450 Super Duty | $2,928 | $1,454 | $1,212 |
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 February 22, 2024
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| XL Regular Cab | $2,080 | $173 |
| XL Regular Cab 4WD | $2,130 | $178 |
| XL Crew Cab | $2,156 | $180 |
| XLT Regular Cab 4WD | $2,188 | $182 |
| XL Crew Cab 4WD | $2,200 | $183 |
| XLT Crew Cab 4WD | $2,226 | $186 |
| Lariat Crew Cab 4WD | $2,332 | $194 |
| King Ranch Crew Cab 4WD | $2,428 | $202 |
| Platinum Crew Cab 4WD | $2,438 | $203 |
| Limited Crew Cab 4WD | $2,500 | $208 |
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 February 22, 2024
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 $2,268 per year to insure and the category average rate is $2,182 annually, a difference of $86 per year.
When compared directly to other heavy duty truck models, insurance rates for a Ford F450 Super Duty cost $182 more per year than the Chevrolet Silverado HD 2500, $238 more than the Chevrolet Silverado HD 3500, and $12 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | GMC Sierra 2500 HD | $1,932 | -$336 |
| 2 | GMC Sierra 3500 | $2,010 | -$258 |
| 3 | Chevrolet Silverado HD 3500 | $2,030 | -$238 |
| 4 | Chevrolet Silverado HD 2500 | $2,086 | -$182 |
| 5 | Nissan Titan XD | $2,098 | -$170 |
| 6 | Ford F450 Super Duty | $2,268 | -- |
| 7 | Ford F250 Super Duty | $2,280 | $12 |
| 8 | Ford F350 Super Duty | $2,296 | $28 |
| 9 | Ram Truck 3500 | $2,402 | $134 |
| 10 | Ram Truck 2500 | $2,422 | $154 |
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 February 23, 2024
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 $8,135 per year for a 16-year-old driver, $7,916 per year for a 17-year-old driver, $7,156 per year for an 18-year-old driver, and $6,476 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 $380 per year for a 40-year-old driver and $756 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 $398 per year for a 40-year-old driver and $806 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 $68 and $185 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 $356 per year compared to a good credit rating of 670-739. Conversely, a lesser credit rating could cost around $413 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 $386 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 $1,112 per year for a 30-year-old driver and as much as $682 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 $612 per year. Being convicted of a crime such as hit-and-run could raise rates by an additional $2,148 or more.