Ford F-350 Super Duty Insurance Rates
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Is insurance higher on a F350?
In today's economy, if you want to buy a new or used large truck such as an F350, there are really only two sources of financing: leasing or buying. In either case, we're talking about $200+ per month, depending on the lease terms and interest rates. That means someone out there has to be willing to pay $50-60K upfront for the big truck and finance it over 60 months (5 years).
Do v8s cost more to insure?
The first thing to establish is whether the V8 costs more to insure than equivalent petrol cars.''Nowadays, manufacturers try and make their new models (especially sports cars) more fuel-efficient, safer and/or, of course, faster. But what about luxury? Well, it's not always about size, but still, there are some models that are simply defined as ultra-luxury where money is no object.
How much is insurance on a F250 diesel?
Many factors determine how much you will pay for an insurance policy such as: Your age Your driving record The make, model and year of your vehicle Whether or not cumulative discounts are applied How many miles you drive in a year What plan you choose (full coverage vs liability only) Where you live How well-known the car is in case of theft
What is a F350 Super Duty?
It's a Ford F-350 Super Duty. These are ''heavy-duty'' commercial trucks available in two or four-wheel drive and with a half-ton or three-quarter-ton cargo capacity. The article discusses the Ford F-350, but many of these principles apply to similar commercial vehicles from Chevrolets, GMCs, and Toyotas.
Ford F-350 Super Duty Trims Available
| Ford F350 Super Duty Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| XL 2WD | $1397 | $701 | $116 |
| XLT 2WD | $1444 | $720 | $121 |
| Crew Cab XL 2WD | $1446 | $729 | $122 |
| Super Cab XL 2WD | $1445 | $725 | $120 |
| Super Cab XLT 2WD | $1481 | $751 | $124 |
| Crew Cab XLT 2WD | $1501 | $749 | $124 |
| Super Cab Lariat 2WD | $1527 | $774 | $128 |
| Crew Cab Lariat 2WD | $1578 | $779 | $130 |
| XL 4WD | $1577 | $799 | $132 |
| Super Cab XL 4WD | $1623 | $808 | $135 |
| XLT 4WD | $1645 | $823 | $136 |
| Crew Cab King Ranch 2WD | $1646 | $820 | $136 |
| Crew Cab Platinum 2WD | $1623 | $812 | $137 |
| Crew Cab XL 4WD | $1641 | $826 | $137 |
| Super Cab XLT 4WD | $1663 | $836 | $138 |
| Crew Cab XLT 4WD | $1691 | $845 | $141 |
| Super Cab Lariat 4WD | $1724 | $855 | $144 |
| Crew Cab Lariat 4WD | $1734 | $877 | $143 |
| Crew Cab King Ranch 4WD | $1795 | $900 | $150 |
| Crew Cab Platinum 4WD | $1816 | $913 | $152 |
| Crew Cab Limited 4WD | $1983 | $985 | $166 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford F-350 Super Duty | $331 | $566 | $540 | $1636 |
| 2016 Ford F-350 Super Duty | $317 | $540 | $558 | $1619 |
| 2015 Ford F-350 Super Duty | $305 | $501 | $570 | $1581 |
| 2014 Ford F-350 Super Duty | $293 | $470 | $577 | $1525 |
| 2013 Ford F-350 Super Duty | $278 | $426 | $573 | $1493 |
| 2012 Ford F-350 Super Duty | $262 | $392 | $578 | $1438 |
| 2011 Ford F-350 Super Duty | $251 | $368 | $581 | $1393 |
| 2010 Ford F-350 Super Duty | $244 | $342 | $593 | $1388 |
| 2009 Ford F-350 Super Duty | $229 | $318 | $589 | $1343 |
| 2008 Ford F-350 Super Duty | $221 | $288 | $596 | $1311 |
| 2007 Ford F-350 Super Duty | $209 | $262 | $589 | $1256 |
| 2006 Ford F-350 Super Duty | $194 | $239 | $600 | $1225 |
| 2005 Ford F-350 Super Duty | $190 | $213 | $591 | $1201 |
| 2004 Ford F-350 Super Duty | $186 | $207 | $580 | $1162 |
| 2003 Ford F-350 Super Duty | $181 | $197 | $564 | $1160 |
| 2002 Ford F-350 Super Duty | $167 | $191 | $555 | $1112 |
| 2001 Ford F-350 Super Duty | $159 | $182 | $555 | $1098 |
Cost by Driver Age and Deductibles
| Driver Age | Deductible | Annual Cost | Monthly Cost |
|---|---|---|---|
| 20 | $1007 | $2830 | $234 |
| $507 | $3243 | $270 | |
| $252 | $3778 | $312 | |
| 30 | $1010 | $1472 | $122 |
| $507 | $1729 | $143 | |
| $252 | $1999 | $165 | |
| 40 | $1011 | $1413 | $118 |
| $505 | $1649 | $137 | |
| $253 | $1875 | $156 | |
| 50 | $999 | $1287 | $108 |
| $503 | $1483 | $124 | |
| $253 | $1721 | $142 | |
| 60 | $1008 | $1250 | $105 |
| $500 | $1465 | $122 | |
| $251 | $1680 | $141 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1475 | $159 | -9.7% |
| Alaska | $1252 | $382 | -23.5% |
| Arizona | $1354 | $279 | -17.2% |
| Arkansas | $1633 | -$0 | 0.0% |
| California | $1862 | $229 | 14.1% |
| Colorado | $1559 | $74 | -4.6% |
| Connecticut | $1678 | $44 | 2.7% |
| Delaware | $1848 | $215 | 13.3% |
| Florida | $2039 | $406 | 24.9% |
| Georgia | $1507 | $127 | -7.7% |
| Hawaii | $1171 | $462 | -28.4% |
| Idaho | $1109 | $524 | -32.2% |
| Illinois | $1218 | $416 | -25.6% |
| Indiana | $1230 | $404 | -24.8% |
| Iowa | $1103 | $530 | -32.6% |
| Kansas | $1551 | $82 | -5.0% |
| Kentucky | $2226 | $593 | 36.5% |
| Louisiana | $2417 | $784 | 48.2% |
| Maine | $1011 | $623 | -38.3% |
| Maryland | $1346 | $287 | -17.7% |
| Massachusetts | $1304 | $329 | -20.3% |
| Michigan | $2835 | $1201 | 73.9% |
| Minnesota | $1366 | $267 | -16.5% |
| Mississippi | $1955 | $321 | 19.8% |
| Missouri | $1449 | $185 | -11.4% |
| Montana | $1754 | $121 | 7.4% |
| Nebraska | $1286 | $348 | -21.4% |
| Nevada | $1957 | $323 | 19.9% |
| New Hampshire | $1175 | $458 | -28.1% |
| New Jersey | $1824 | $191 | 11.8% |
| New Mexico | $1447 | $187 | -11.5% |
| New York | $1716 | $82 | 5.0% |
| North Carolina | $938 | $695 | -42.8% |
| North Dakota | $1338 | $295 | -18.2% |
| Ohio | $1127 | $506 | -31.1% |
| Oklahoma | $1676 | $42 | 2.6% |
| Oregon | $1495 | $139 | -8.5% |
| Pennsylvania | $1559 | $74 | -4.6% |
| Rhode Island | $2180 | $546 | 33.7% |
| South Carolina | $1479 | $155 | -9.5% |
| South Dakota | $1376 | $257 | -15.8% |
| Tennessee | $1430 | $203 | -12.5% |
| Texas | $1967 | $334 | 20.5% |
| Utah | $1209 | $424 | -26.1% |
| Vermont | $1115 | $518 | -31.8% |
| Virginia | $978 | $655 | -40.3% |
| Washington | $1260 | $374 | -23.0% |
| West Virginia | $1497 | $137 | -8.4% |
| Wisconsin | $1131 | $502 | -30.9% |
| Wyoming | $1455 | $179 | -10.9% |
Other Ford models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
