Ford F-250 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ford F250 is cheaper to insure than the average car.

• Liability only insurance premiums for a F250 average around $70 a month, while full coverage usually averages about $154 per month.

• The most affordable car insurance company for a F250 is NationalGeneral.

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F-250 Overview

With a base price of just $34,230 for 2022 models, the Ford F-250 is a great car for drivers on a budget. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a great budget option when thinking about your auto insurance costs.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Ford F-250 car insurance prices average out to around $155 a month. But how does that compare to other cars on the market?

How Much is Car Insurance for a Ford F-250?

You can see in the table above that when you compare the Ford F-250 to other vehicles, insurance rates are right about average. On average, F-250 owners will pay around $70 monthly for liability insurance, and about $154 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other Ford models, the F-250's insurance premium is on par with the rest of the automaker's vehicle offerings. However, compared to other vehicles of a similar body style, F250 coverage is below average, with both liability and full insurance averaging less expensive premiums than other trucks.

When compared to all vehicles, regardless of body style, make, or model, insurance costs for both liability only and full coverage policies run more affordable than average.

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Who has the Cheapest Car Insurance for a Ford F-250?

If you're in the market for a new car insurance policy for your Ford F-250, you may want to know which carrier offers the lowest premiums. While rates can change significantly depending on your driver profile, Fiesta has the cheapest average rates for liability only coverage, with rates as little as $35 monthly. The runner up for lowest rates is AnchorGeneral, with auto insurance polices starting as low as $36 per month.

Rounding out the list are Sun Coast, Hallmark, and Commonwealth Casualty. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Ford F-250.

After all, your results might be different, since insurance companies look at a whole range of different factors when calculating rates. The only way to guarantee you'll find the most affordable rates is to compare quotes from lots of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Ford F-250?

As we mentioned above, there are a bunch of variables that car insurance companies take a look at to calculate how much they charge -- and each company weighs different attributes more heavily than others, so there's not one single carrier that's the cheapest for every F-250 driver.

Keep reading to learn which things insurance carriers look at and how they affect your final rate:

Vehicle Age

The Ford F-250 has been around for a while -- that means vehicle age can make a big difference in what you end up paying for auto insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

According to the table above, the Ford F-250 is inline with this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are F-250s that are 4 to 5 years old, on average.

Your Age

Age is another factor that plays a significant role in how much you pay for car insurance. As you can see above, young F-250 drivers have higher prices than those who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for F-250 drivers being 55-64.

Your Gender

Did you know women normally pay less for auto insurance than men? This is because men are more likely to get speeding tickets and get into accidents, which increases the chances of an insurance claim. The Ford F-250 follows this convention, and women pay around $66 a month for insurance and men pay about $71.

Where You Live

It may be obvious that factors like what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live matters just as much. Since insurance is regulated on a state-by-state basis, prices fluctuate quite a bit depending on which state you call home.

For example, the average Ford F-250 owner in New York pays around $131 monthly for liability coverage, while the same Californian driver will pay less than half of that price, on average. The chart above shows average costs for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Ford F-250 Car Insurance Discounts

Whatever your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance policy is always a smart move.

Even though all auto insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy cost at once, rather than in monthly installments

But these aren't the only discounts insurance companies offer to their customers And often, the best way to save isn't through a "discount" at all, but rather by strengthening your overall insurance profile that carriers look at.

Even though you can't control every variable car insurance carriers take into account to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use to your advantage when it comes to saving money:

Your Driving Record

You've no doubt seen ads from auto insurance companies offering big savings for good drivers. It shouldn't come as a surprise that if you get into an accident or get tickets, car insurance costs will get higher. But exactly how much can these infractions cost you?

You can tell from the table above that accidents will usually cost F-250 drivers more than tickets, but both will cause a significant increase in rates. Ford F250 drivers with a single accident on their record pay an average of $90 per month (up $20 from the $70/mo. overall average), while drivers with one ticket will pay about $83 per month. Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that affects your insurance premiums is the amount of miles you drive. Those who are on the roads less have fewer opportunities to get into an accident, so they'll typically get less expensive prices. In the above table, you can see that Ford F-250 owners who drive fewer than 2,500 miles every year pay about $61 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $75.

If you don't use your Ford F-250 that often, it may be worth reviewing usage-based or pay-per-mile car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Ford F-250s Compare to Other Vehicles?

If you're thinking about making a Ford F-250 your next vehicle, you might want to know how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Ford F-250 compares:

Overall, the Ford F-250 has an average MSRP and is on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $41,519, and the F-250 comes in close to that at $34,230.

Although the F-250 has a pretty average price, insurance premiums run below average when compared to the rest of the vehicle market. Liability insurance for a Ford F-250 is about $35 per month less expensive than average, while full coverage is over $50 cheaper monthly.

When it comes to usage, Ford F-250 drivers are pretty close to the national average in annual miles driven, with 10,966 miles each year compared to 11,681 for all vehicles.

Ford F-250 Car Insurance Costs by Model Year

You've seen how different things can affect how much you might pay for auto insurance. If you're considering buying a new vehicle and the F-250 is one you're thinking about, knowing how much your vehicle will likely cost can be extremely valuable as you weigh your choices.

For this reason, we've decided to break down Ford F-250 car insurance prices by model year. Simply choose a specific F-250 model year in the dropdown below and see average rates for both liability only and full coverage. We've included some additional information you might find helpful, too, like base price, available trims, and even the cheapest insurance carrier for each year the F-250 has been around.

Choose Your Model

2022 Ford F250 Car Insurance 2021 Ford F-250 Car Insurance 2020 Ford F250 Car Insurance 2019 Ford F250 Car Insurance 2018 Ford F250 Car Insurance 2017 Ford F250 Car Insurance 2016 Ford F250 Car Insurance 2015 Ford F250 Car Insurance 2014 Ford F250 Car Insurance 2013 Ford F250 Car Insurance 2012 Ford F250 Car Insurance 2011 Ford F250 Car Insurance 2010 Ford F250 Car Insurance

2022 Ford F250 Car Insurance

On average, drivers who own a 2022 Ford F250 can expect to pay $46 to $93 a month for liability only and full coverage auto insurance, respectively.

We found Gainsco offered the lowest policy, with rates sometimes as low as $44 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2021 Ford F-250 Car Insurance

It costs around $43 monthly for liability or $134 for a full coverage policy for the 2021 F-250.

With rates as low as just $35 a month, Esurance offered the cheapest policy we found for the 2021 Ford F-250.

These average costs give you a fair estimate of what you might end up paying, but there are a variety of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, et customized quotes by entering your ZIP below.

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2020 Ford F250 Car Insurance

The average cost to insure a 2020 Ford F250 with liability only coverage is $112 per month, while full coverage runs about $161 a month.

Fiesta has rates as cheap as $35 monthly for the 2020 Ford F250.

What could your insurance rate look like? Enter your ZIP code below to get lots of customized quotes for free.

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2019 Ford F250 Car Insurance

You can expect full coverage for a 2019 F250 to run around $174 per month, while liability only coverage will average about $87 monthly.

With prices sometimes as cheap as $28 a month, Shelter Mutual offered the most affordable policy we found.

If you want to know exactly how much you can expect to pay for your F250, just enter your ZIP code below and get free quotes in minutes.

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2018 Ford F250 Car Insurance

2018 Ford F250 drivers can expect to pay an average of $69 per month for liability or $164 for full coverage.

If you're looking for the cheapest possible 2018 Ford F250 insurance policy, Safeco offered the lowest policy we found, with rates sometimes as little as $31 a month.

If you want to know exactly how much you can expect to pay for your F250, just enter your ZIP code below and get several free quotes in minutes.

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2017 Ford F250 Car Insurance

You can expect full coverage for a 2017 F250 to run around $174 monthly, while liability only coverage will average about $78 per month.

Safeco offered the cheapest policy we found, with rates as little as just $24 a month.

Want something more accurate than nationwide averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing a lot of personalized quotes from the nation's top insurance carriers.

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2016 Ford F250 Car Insurance

The average cost to insure a 2016 Ford F250 with liability only coverage is $64 monthly, while full coverage runs around $155 per month.

Looking for the most affordable policy? AnswerFinancial offered liability only coverage for as cheap as just $27 monthly.

If you want to find the best costs for car insurance for a 2016 Ford F250, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2015 Ford F250 Car Insurance

2015 F250 drivers can expect to pay an average of $67 a month for liability or $161 for full coverage.

We found StateAuto offered the lowest policy, with rates sometimes as low as $26 monthly.

While these are good estimates of what the average driver might pay to insure a 2015 Ford F250, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2014 Ford F250 Car Insurance

On average, drivers who own a 2014 Ford F250 can expect to pay $66 to $155 a month for liability only and full coverage insurance, respectively.

With rates as cheap as $21 per month, Liberty Mutual offered the cheapest policy we found.

Want to know just how much you'll pay? Enter your ZIP code below to get multiple free customized quotes.

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2013 Ford F250 Car Insurance

It costs about $81 monthly for liability or $177 for a full coverage policy for the 2013 F250.

Looking for the lowest policy? Safeco offered liability only coverage for as little as $26 a month.

If you want to know exactly how much you can expect to pay for your F250, get free quotes in minutes by just entering your ZIP code below.

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2012 Ford F250 Car Insurance

2012 Ford F250 drivers can expect to pay an average of $82 per month for liability or $146 for full coverage.

With prices as little as just $21 a month, Mapfre offered the most affordable policy we found for the 2012 Ford F250.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get several personalized quotes for free.

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2011 Ford F250 Car Insurance

You can expect full coverage for a 2011 F250 to run around $171 monthly, while liability only coverage will average about $70 per month.

Liberty Mutual offered the cheapest policy we found, with rates sometimes as little as $22 monthly.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2011 Ford F250, you can get free quotes in minutes by just entering your ZIP code below.

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2010 Ford F250 Car Insurance

On average, drivers who own a 2010 Ford F250 can expect to pay $64 to $169 per month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2010 Ford F250 insurance policy, Liberty Mutual offered the most affordable policy we found, with rates as cheap as just $23 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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Ford F-250 Insurance FAQs

Is a Ford F250 expensive to insure?

When compared to the national average of all cars, premiums come in on the cheaper end of the spectrum. Liability insurance runs an average of $70 monthly, while full coverage will cost you around $154.

How can I get the best price on car insurance for my Ford F250?

There's only one way to make sure you're getting the lowest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare costs from an array of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Ford F250 affect my insurance premiums?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's simply not true. Although there are many factors auto insurance carriers think about when they calculate how much your policy will be, the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Ford F250?

Before you can legally drive your new (or new to you) Ford F250 off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you an auto insurance policy as part of the buying process, but it's best to let your insurance company know ahead of time.

What car insurance discounts can I get for my Ford F250?

There are a wide array of discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the F250 you drive, but if your F250 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance carrier and ask about their discounts.