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Ford F-350 Super Duty Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 17, 2019

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Do you need car insurance for a Ford F-350? Finding the right car insurance rates can be hard, but our guide is here to make things simpler. Whether you need to find 2006 Ford F-350 insurance or insurance for a 2020 model, we’ve got you covered.

We go over average car insurance rates, safety ratings, repair costs, and more, so you can be sure insurance and owning a Ford F-350 is within your budget.

Want to start finding insurance for a Ford F-350 today? Enter your ZIP code in our free tool above to get started on comparing rates.

Estimated auto insurance rates for a Ford F-350 Super Duty are $1,626 annually for full coverage. Comprehensive costs on average $332 a year, collision insurance costs $558, and liability is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs around $3,508. Teenage drivers pay the most at up to $6,152 a year.

Average premium for full coverage: $1,626

Premium estimates by type of coverage:

Comprehensive $332
Collision $558
Liability $536

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and F-350 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Ford F-350 Super Duty range from as cheap as $606 for minimum levels of liability insurance to a high of $3,508 for a driver required to buy high-risk insurance.

Liability Only $606
Full Coverage $1,626
High Risk $3,508

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,220
Small Cities $1,707
Large Cities $2,195

These rate differences show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below shows average Ford F-350 Super Duty insurance rates for different risk profiles and scenarios.

  • The best discount rate is $948
  • Raising to $1,000 deductibles will save around $1,422 a year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,626
  • Using low $100 deductibles will cost $2,016
  • Drivers who are prone to accidents and violations could pay upwards of $3,508
  • An auto insurance policy with full coverage for a 16-year-old driver may cost $6,152

View Chart as Image

Ford F-350 Super Duty insurance cost comparison chart
Column chart showing Ford F-350 Super Duty insurance rates range from $948 to $6,152 for full coverage

Insurance prices for a Ford F-350 Super Duty also have a wide range based on the model of your F-350 Super Duty, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,900 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $600 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Ford F-350 Super Duty insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,320 on average in Michigan, Louisiana, and New York.

Ford F-350 Super Duty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,468 -$158 -9.7%
Alaska $1,246 -$380 -23.4%
Arizona $1,348 -$278 -17.1%
Arkansas $1,626 -$0 0.0%
California $1,854 $228 14.0%
Colorado $1,552 -$74 -4.6%
Connecticut $1,670 $44 2.7%
Delaware $1,840 $214 13.2%
Florida $2,030 $404 24.8%
Georgia $1,500 -$126 -7.7%
Hawaii $1,166 -$460 -28.3%
Idaho $1,104 -$522 -32.1%
Illinois $1,212 -$414 -25.5%
Indiana $1,224 -$402 -24.7%
Iowa $1,098 -$528 -32.5%
Kansas $1,544 -$82 -5.0%
Kentucky $2,216 $590 36.3%
Louisiana $2,406 $780 48.0%
Maine $1,006 -$620 -38.1%
Maryland $1,340 -$286 -17.6%
Massachusetts $1,298 -$328 -20.2%
Michigan $2,822 $1,196 73.6%
Minnesota $1,360 -$266 -16.4%
Mississippi $1,946 $320 19.7%
Missouri $1,442 -$184 -11.3%
Montana $1,746 $120 7.4%
Nebraska $1,280 -$346 -21.3%
Nevada $1,948 $322 19.8%
New Hampshire $1,170 -$456 -28.0%
New Jersey $1,816 $190 11.7%
New Mexico $1,440 -$186 -11.4%
New York $1,708 $82 5.0%
North Carolina $934 -$692 -42.6%
North Dakota $1,332 -$294 -18.1%
Ohio $1,122 -$504 -31.0%
Oklahoma $1,668 $42 2.6%
Oregon $1,488 -$138 -8.5%
Pennsylvania $1,552 -$74 -4.6%
Rhode Island $2,170 $544 33.5%
South Carolina $1,472 -$154 -9.5%
South Dakota $1,370 -$256 -15.7%
Tennessee $1,424 -$202 -12.4%
Texas $1,958 $332 20.4%
Utah $1,204 -$422 -26.0%
Vermont $1,110 -$516 -31.7%
Virginia $974 -$652 -40.1%
Washington $1,254 -$372 -22.9%
West Virginia $1,490 -$136 -8.4%
Wisconsin $1,126 -$500 -30.8%
Wyoming $1,448 -$178 -10.9%

View Chart as Image

Ford F-350 Super Duty insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Ford F-350 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $1,682 $140
F-350 XL Super Cab 4WD $1,682 $140
F-350 XL Super Cab 2WD $1,372 $114
F-350 Super Cab Cabela Package 4WD $1,722 $144
F-350 XL Crew Cab 2WD $1,410 $118
F-350 Super Cab Cabela Package 2WD $1,410 $118
F-350 Crew Cab King Ranch 4WD $1,760 $147
F-350 XLT Crew Cab 4WD $1,760 $147
F-350 Crew Cab Harley Edition 4WD $1,760 $147
F-350 XL Super Cab Turbo Diesel 4WD $1,760 $147
F-350 XLT Super Cab 4WD $1,760 $147
F-350 Super Cab Harley Edition 4WD $1,760 $147
F-350 XLT Super Cab Turbo Diesel 4WD $1,800 $150
F-350 XL Crew Cab Turbo Diesel 4WD $1,800 $150
F-350 Crew Cab Cabela Package 4WD $1,800 $150
F-350 Crew Cab King Ranch Turbo Diesel 4WD $1,800 $150
F-350 Crew Cab Lariat 4WD $1,800 $150
F-350 Super Cab Cabela Turbo Diesel 4WD $1,800 $150
F-350 Super Cab Lariat 4WD $1,800 $150
F-350 XL Crew Cab Cabela Package 2WD $1,450 $121
F-350 XL Crew Cab King Ranch 2WD $1,450 $121
F-350 XLT Super Cab 2WD $1,450 $121
F-350 Super Cab Harley Edition 2WD $1,490 $124
F-350 Super Cab Lariat 2WD $1,490 $124
F-350 Super Cab Harley Turbo Diesel 4WD $1,838 $153
F-350 Super Cab Lariat Turbo Diesel 4WD $1,838 $153
F-350 Crew Cab Harley Turbo Diesel 4WD $1,838 $153
F-350 XL Super Cab Turbo Diesel 2WD $1,490 $124
F-350 XLT Crew Cab Turbo Diesel 4WD $1,838 $153
F-350 XLT Crew Cab Lariat 2WD $1,490 $124
F-350 XLT Crew Cab Harley Edition 2WD $1,490 $124
F-350 XLT Crew Cab 2WD $1,490 $124
F-350 XL Crew Cab Turbo Diesel 2WD $1,490 $124
F-350 Crew Cab Cabela Turbo Diesel 4WD $1,878 $157
F-350 Super Cab XLT Turbo Diesel 2WD $1,530 $128
F-350 Super Cab Cabela Turbo Diesel 2WD $1,530 $128
F-350 Super Cab Harley Turbo Diesel 2WD $1,530 $128
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,530 $128
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $1,530 $128
F-350 Crew Cab Lariat Turbo Diesel 4WD $1,878 $157
F-350 Super Cab Lariat Turbo Diesel 2WD $1,568 $131
F-350 Crew Cab Lariat Turbo Diesel 2WD $1,568 $131

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Ford F-350 Super Duty Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Ford F-350 Super Duty $332 $558 $536 $1,626
2016 Ford F-350 Super Duty $314 $538 $554 $1,606
2015 Ford F-350 Super Duty $302 $500 $564 $1,566
2014 Ford F-350 Super Duty $290 $470 $570 $1,530
2013 Ford F-350 Super Duty $278 $422 $574 $1,474
2012 Ford F-350 Super Duty $260 $388 $574 $1,422
2011 Ford F-350 Super Duty $250 $364 $580 $1,394
2010 Ford F-350 Super Duty $244 $340 $592 $1,376
2009 Ford F-350 Super Duty $226 $316 $592 $1,334
2008 Ford F-350 Super Duty $220 $286 $596 $1,302
2007 Ford F-350 Super Duty $206 $262 $592 $1,260
2006 Ford F-350 Super Duty $194 $238 $592 $1,224
2005 Ford F-350 Super Duty $188 $214 $586 $1,188
2004 Ford F-350 Super Duty $184 $208 $574 $1,166
2003 Ford F-350 Super Duty $182 $198 $564 $1,144
2002 Ford F-350 Super Duty $166 $190 $558 $1,114
2001 Ford F-350 Super Duty $160 $180 $554 $1,094

Rates are averaged for all Ford F-350 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Ford F-350 Super Duty Insurance

Finding better rates on insurance for a Ford F-350 Super Duty consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates at every policy renewal by getting price quotes from direct carriers, and also from local insurance agents.

The following is a brief recap of the data covered in the above illustrations.

  • Insureds who require higher liability limits will pay an extra $590 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers can save as much as $190 per year just by quoting early and online
  • Increasing policy deductibles could save up to $600 each year
  • Teens pay the highest prices, as much as $513 per month including comprehensive and collision insurance

You could save about $800 a year by increasing your deductibles and getting online car insurance quotes. However, if you are a teen driver, your rates will still be higher.

Want to learn about what else determines the price of car insurance? Keep reading to find out.

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How does the size and class of the Ford F-350 affect liability rates?

Most states require drivers to have liability insurance, so it is important that you understand how your choice of vehicle can cause your liability rates to go through the roof. What does liability insurance cover? It pays for the other driver’s medical and property bills after an accident, so any cars that can inflict significant damage or are more likely to crash will have higher liability rates.

Unfortunately, the Ford F-350 is a very large pickup. Why are pickups so expensive to insure? The size of a pickup means that if crashes into other vehicles, the property damage and bodily injury losses may be more severe. Because of this, insurers will definitely look at insurance losses to determine liability rates.

To show you what insurers will be looking at, we pulled insurance losses from the Insurance Institute for Highway Safety (IIHS) for the Ford F-350 SuperCrew 4WD.

  • Property Damage Losses: 34 percent (substantially worse than average)
  • Bodily injury Losses: -8 percent (average)

The bodily injury losses are not bad, but the property damage losses are terrible. To see if this will cause high liability rates, keep reading.

What does liability insurance cost for the Ford F-350?

We filled out a sample quote from Geico to see what liability insurance would cost for a 2020 Ford F-350 Super Duty DRW Crew Cab (4×2 two-door pickup). Our sample is based on a 40-year-old driver who lives in Pennsylvania, has a clean driving record, and travels 13,000 miles a year.

The first set of prices below is for bodily injury coverage (for a six-month policy).

  • Low ($15,000/$30,000): $45.78
  • Medium ($100,000/$200,000): $93.84
  • High ($500,000/$500,000): $151.07

These price increases may seem high, but the amount of coverage you get is great. Medical bills are expensive, which is why it’s important to have at least medium coverage in case you injure someone in an accident.

The price increases for property damage coverage are a bit lower, but the amount of coverage offered is lower (cars are cheaper to repair than people).

  • Low ($5,000): $462.50
  • Medium ($20,000): $498.39
  • High ($100,000): $524.61

It only costs $62 to upgrade from low to high coverage, which is about an extra $10 a month.

What are the safety features and ratings of the Ford F-350?

Curious about what safety features are included with your Ford F-350? The more safety features there are on your car, the more willing your insurer will be in offering a discount. Take a look at AutoBlog’s list of standard safety features for the 2020 Ford F-350 below.

  • Crash prevention: anti-lock brakes and stability control.
  • Crash safety: front-impact airbags, side-impact airbags, and overhead airbags.
  • Anti-theft: ignition disable device.

The Ford F-350 is a little light on safety features. Not only does this mean that you are less safe, but it also means you won’t earn as big a discount on your car insurance. In addition, the Ford F-350 hasn’t been crash-tested by the IIHS.

Because of this, insurers will likely look at fatality rates for pickups to gauge the crash risk of the Ford F-350. According to the IIHS, 2018 driver fatalities per million vehicles were 34 fatalities for pickups, 23 fatalities for SUVs, and 48 fatalities for cars. For all occupant fatalities per million vehicles, there were 42 pickup fatalities, 32 SUV fatalities, and 69 car fatalities.

These numbers show that pickups are in the middle safety-wise — pickups have more fatalities than SUVs but fewer fatalities than cars. Interestingly, the total number of fatalities in 2018 actually shows that pickups had the fewest fatalities. The breakdown of pickup fatalities by crash type is below.

  • Frontal Impact: 2,493 deaths
  • Side Impact: 807 deaths
  • Rear Impact: 173 deaths
  • Other (mostly rollovers): 896 deaths

Pickups only had a total of 4,369 fatalities in 2018, with frontal impacts being the deadliest type of crash. In comparison, there were 5,035 SUV fatalities and 13,138 car fatalities. Based on these numbers, a pickup is one of the safer vehicles to drive around in.

What is the MSRP of the Ford F-350?

Did you know that the manufacturer suggested retail price affects your car insurance rates? Insurers use this price to determine the value of a car, as MSRP is a fixed price, unlike the invoice price (the seller price) or the fair market value (what others are paying).

The two coverages that MSRP effects are collision coverage and comprehensive coverage, as these coverages pay for your car repairs after an accident. Collision covers crashes with other vehicles and objects, while comprehensive covers crashes with animals, weather damages, vandalism, and theft.

If the MSRP is high, this means that your insurer will have to pay more for repairs. To offset these potential losses, insurers will raise your collision and comprehensive rates. Want to know what the MSRP is for a Ford F-350?

According to Kelley Blue Book (KBB), the prices for the 2019 Ford F-350 Super Duty are as follows:

  • MSRP: $39,715
  • Invoice: $37,810
  • Fair Purchase Price: $37,038
  • Fair Market Range: $35,594 to $38,482

The MSRP is about $3,000 more than the fair purchase price, which shows how important it is to shop around for a fair purchase price.

Another factor that can affect the price of your car insurance is the insurance losses for collision and comprehensive insurance. Insurers want to know what the best and worst vehicles for overall collision losses and comprehensive losses are, as it helps insurers calculate a vehicle’s risk.

Luckily, most of the losses for the different versions of the Ford F-F30 are good. Below, you can see the IIHS’s data on average losses for collision insurance.

  • Ford F-350 4WD: -38 percent (substantially better than average)
  • Ford F-350 SuperCab 4WD: -43 percent (substantially better than average)
  • Ford F-350 SuperCrew 4WD: -14 percent (average)

All of these losses are negative, which is great. However, the comprehensive losses aren’t as good as the collision losses.

  • Ford F-350 SuperCab 4WD: -9 percent (average)
  • Ford F-350 SuperCrew 4WD: 58 percent (substantially worse than average)

If you own the SuperCrew version of the Ford F-350, you may find that you have slightly higher rates for collision insurance. In addition, insurance is higher on a diesel truck, so any model version that runs on diesel may also have more expensive rates.

You may also wonder, does a 4×4 cost more to insure? The answer is yes, a 4×4 will cost more to insure than if you own a 2×2 version of the Ford F-350. For all other versions, however, you should have normal rates.

How much will it cost to repair my Ford F-350?

Knowing what your average repair costs are will help you prepare for yearly expenses. Cars that need expensive repair parts, such as custom made paint or a hard-to-find fender, will cost more to repair. If your car is expensive to repair or prone to breakdowns, insurers will charge more.

So to see what repairs are like for the 2020 Ford F-350, we used InstantEstimator’s free estimate tool to get repair estimates for level two damage.

  • Front bumper: $389
  • Rear bumper: $399
  • Hood: $411
  • Roof: $459
  • Front door: $403
  • Rear door: $391
  • Fender: $363
  • Quarter panel: $411

The repair costs for the Ford F-350 look about average, which is good news. Because the Ford F-350 is mass-produced by a popular manufacturer, parts and paint will be easier to find than if you had a custom-made or vintage car.

Now that we are at the end of our guide to Ford F-350 car insurance costs, we hope you have a better understanding of the rates you should be paying.

Want to start comparing rates for a Ford F-350 today or just want to know which truck has the cheapest insurance? Enter your ZIP code in our free tool.

Rates by Driver Age

Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $6,152
20 $3,734
30 $1,684
40 $1,626
50 $1,484
60 $1,454

Full coverage, $500 deductibles

Rates by Deductible

Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,016
$250 $1,838
$500 $1,626
$1,000 $1,422

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,626
50/100 $1,654
100/300 $1,762
250/500 $2,041
100 CSL $1,697
300 CSL $1,934
500 CSL $2,106

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $8,756
20 $5,942
30 $3,574
40 $3,508
50 $3,350
60 $3,316

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $224

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $85
Homeowner $25
5-yr Accident Free $115
5-yr Claim Free $104
Paid in Full/EFT $71
Advance Quote $78
Online Quote $114
Total Discounts $678
Rate after discounts $948

Discounts are estimated and may not be available from every company or in every state.

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