Ford F350 Car Insurance: How Much Should You Expect to Pay?

Ford F-350 owners pay an average of $144 monthly for their insurance prices. Our complete guide will provide the information you need to know about how much auto insurance carriers might charge you to insure your Ford F-350.

Quick Facts

  • A Ford F-350 is cheaper to insure than the average truck.

  • Full coverage car insurance for a F-350 runs around $135 per month, on average, while liability only insurance typically averages about $69.

  • Commonwealth Casualty is the most affordable auto insurance carrier for a F-350 with a national average of just $54 a month for liability only coverage.

F-350 Overview

The Ford F-350 is a great car for all budgets, with base prices starting at just $36,215 for 2022 models. While it on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when thinking about your future insurance costs.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that Ford F-350 auto insurance premiums run around $144 monthly, on average. But how does that stack up to other similar vehicles out there on the market?

Current Base Price$36,215
Body Style(s)Truck
Trim LevelsSUPER DUTY
Average Insurance Premium$144/mo.
Cheapest Insurance CompanyCommonwealth Casualty

How Much is Car Insurance for a Ford F-350?

Vehicle Liability Only Full Coverage
Ford F-350$69$135
All Ford Models$78$162
All Trucks$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll find that compared to other vehicles, Ford F-350 insurance rates are more affordable than average. F-350 drivers can expect to pay about $135 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $69 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Comparing it to other models, the F-350 is less expensive, with prices around 17% lower than Ford's other vehicle offerings. Compared to offerings from other brands, insurance for a F-350 is also more affordable, with liability only insurance costs coming in about $14 less and $42 less for full coverage.

They're also more affordable to insure than the average vehicle overall, regardless of body style, make, or model.

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Who has the Cheapest Car Insurance for a Ford F-350?

Insurance Company Average Monthly Premium
Clearcover$42
DirectGeneral$54
Sun Coast$54
Commonwealth Casualty$54
Safeco$57

In the market for a car insurance policy for your Ford F-350? You most likely want to know which company offers the most affordable prices. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $42 per month from Clearcover. The runner up for cheapest rates is DirectGeneral, with car insurance policies starting as cheap as just $54 monthly.

Sun Coast, Commonwealth Casualty, and Safeco round out the rest of the top 5 list. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Ford F-350.

Insurance carriers use lots of different variables and complex formulas to calculate premiums. By reviewing quotes from a variety of insurance companies at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Ford F-350?

There are an array of attributes that auto insurance carriers look at to calculate how much they charge you for car insurance -- and every carrier uses a different formula, so there's not just one company that's the most affordable for each driver.

The following sections show a bunch of factors insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$58
2-3 Years$83
4-5 Years$53
6-7 Years$40
8-10 Years$76
11-14 Years$81
15 Years or Older$69

Ford has been making the F-350 for quite some time -- and that means the car's age may play a role in how much you'll pay for auto insurance. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and F350s begin to depreciate, insurance costs will gradually decrease.

According to the table above, the Ford F-350 follows this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are F-350s that are 6 to 7 years old, on average.

Your Age

Age Average Monthly Premium
Under 18Not Enough Data
18-24$139
25-34$64
35-44$56
45-54$63
55-64$63
65 or Older$48

Age makes a significant difference in how much you pay for car insurance. As you can see above, drivers with more experience on the road pay a lot more compared to drivers who are under 18. Ford F-350 drivers between 18 and 24 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group for F-350 drivers being 65 years and older.

Your Gender

Gender Average Monthly Premium
Male$73
Female$56

Because women are less likely to get into collisions and get tickets, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable rates. When it comes to F-350 drivers specifically, men pay around 30% more than women per month for insurance.

Where You Live

State Average Monthly Premium
California$43
Florida$106
Georgia$86
Illinois$49
New York$110
North Carolina$52
Ohio$63
Pennsylvania$63
Texas$61
Virginia$52

You might think it's common sense that things like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live can be just as important? Since insurance is regulated on the state level and not nationally, prices can fluctuate quite a bit depending on which state you're located in.

For example, the average Ford F-350 owner from New York pays about $110 a month for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average. The chart shows average rates 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-350 Car Insurance Discounts

Regardless of your car, your age, or your home state, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

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 discounts like:

  • Multi-vehicle discounts for insuring more than one of your cars with the same carrier
  • Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than in monthly installments
  • Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

These are just a few of the discounts insurance companies offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), you can influence some of it. Below are just a few of the factors you can use in your favor when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$98
Multiple Accidents$103
1 Ticket$82
Multiple Tickets$110

You've probably noticed ads from auto insurance carriers offering hefty discounts for good drivers. And you probably wouldn't be surprised that if you get into a collision or get a speeding ticket, insurance costs will go up. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can tell, accidents will usually cost F-350 drivers more than tickets, but both will result in above average rates. Ford F-350 drivers with one ticket will pay an average of $82 monthly, while drivers with a single accident on their record pay about $98 a month (up $29 from the $69/mo. overall average). The rates only go higher the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$60
2,501-5,000 Miles$72
5,001-7,500 Miles$63
7,501-10,000 Miles$77
10,000+ Miles$60

Another variable you have control over is how much you drive. Those who are on the roads less are more likely to go accident-free, so they'll usually get lower rates. Above, you can see that Ford F-350 owners who drive 10,000 miles or more pay $60 for car insurance, while those who drive fewer than 2,500 miles every year pay about $60 per month.

If you don't drive much because have a second vehicle or you work from home, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Ford F-350s Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Ford F-350 is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth taking into consideration.

Visit the table below to see how the Ford F-350 compares:

Ford F-350 National Average
Liability Insurance$57$81
Full Coverage Insurance$280$169
Base MSRP$36,215$41,519
Average Annual Mileage11,95911,681

As you can see, the Ford F-350 is right on par with the average vehicle price here in the U.S. The F-350's $41,519 base MSRP is right on trend with the national average of $36,215.

Full coverage insurance for a Ford F-350 is around $111 a month more expensive than average, while liability only coverage is over $20 cheaper per month.

When it comes to usage, Ford F350 drivers aren't far from the national average in annual miles driven, with 11,681 miles per year for all vehicles compared to the F350's 11,959 each year.

Ford F-350 Car Insurance Costs by Model Year

We've gone over many of the variables that can have an impact on what you'll pay for insurance. But if you're considering purchasing a new F-350, knowing what you'll likely pay for the specific car you're looking at is extremely valuable as you weigh your options.

That's why we've crunched the numbers and broken down Ford F-350 car insurance costs by model year. Choose a model year from the dropdown below to see average rates for both full coverage and liability only options, as well as some other helpful info, like which trim levels are offered, who offers the cheapest policies, and the base MSRP for each year the F-350 has been around.

2022 Ford F350 Car Insurance

   
Liability Only Avg. Premium$57
Full Coverage Avg. Premium$280
Base MSRP$36,215
Cheapest Insurance CompanySafeco - $57/mo.
Available TrimsSUPER DUTY

The average cost to insure a 2022 F350 with liability only coverage is $57 monthly, while full coverage runs about $280 a month.

Safeco offered the lowest policy we found, with rates as low as just $57 per 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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2021 Ford F350 Car Insurance

   
Liability Only Avg. Premium$142
Full Coverage Avg. Premium$163
Base MSRP$35,745
Cheapest Insurance CompanyEsurance - $142/mo.
Available TrimsSUPER DUTY

On average, drivers who own a 2021 Ford F350 can expect to pay $142 to $163 a month for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Esurance offered liability only coverage for as little as just $142 monthly.

Want to find the cheapest rates? Just enter your ZIP code below to get a variety of customized quotes for free.

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2020 Ford F350 Car Insurance

   
Liability Only Avg. Premium$53
Full Coverage Avg. Premium$104
Base MSRP$35,550
Cheapest Insurance CompanyClearcover - $51/mo.
Available TrimsSUPER DUTY

2020 F350 drivers can expect to pay an average of $53 per month for liability or $104 for full coverage.

With premiums as little as $51 a month, Clearcover offered the lowest policy we found.

If you're looking for a more exact figure on what you should pay for insurance for a 2020 Ford F350, you can get free quotes in minutes by just entering your ZIP code below.

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2019 Ford F350 Car Insurance

   
Liability Only Avg. Premium$48
Full Coverage Avg. Premium$157
Base MSRP$34,320
Cheapest Insurance CompanyClearcover - $37/mo.
Available TrimsSUPER DUTY

You can expect full coverage for a 2019 Ford F350 to run around $157 monthly, while liability only coverage will average about $48 per month.

Clearcover has prices as low as $37 monthly for the 2019 Ford F350.

If you want to find the best rates for car insurance for a 2019 Ford F350, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

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2017 Ford F350 Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$193
Base MSRP$33,705
Cheapest Insurance CompanyDirectGeneral - $27/mo.
Available TrimsSUPER DUTY

It costs around $84 a month for liability or $193 for a full coverage policy for the 2017 F350.

With prices as cheap as $27 per month, DirectGeneral offered the most affordable policy we found for the 2017 Ford F350.

Interested in what your auto insurance cost will be? Get multiple personalized quotes for free by just entering your ZIP code below.

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2016 Ford F350 Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$125
Base MSRP$33,280
Cheapest Insurance CompanySafeco - $40/mo.
Available TrimsSUPER DUTY

2016 Ford F350 drivers can expect to pay an average of $85 monthly for liability or $125 for full coverage.

If you're looking for the cheapest possible 2016 Ford F350 insurance policy, Safeco offered the cheapest policy we found, with rates sometimes as little as $40 a month.

While these are good estimates of what the average driver might pay to insure a 2016 Ford F350, these costs might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2015 Ford F350 Car Insurance

   
Liability Only Avg. Premium$24
Full Coverage Avg. Premium$86
Base MSRP$32,705
Cheapest Insurance CompanyShelter Mutual - $21/mo.
Available TrimsSUPER DUTY

On average, drivers who own a 2015 F350 can expect to pay $24 to $86 per month for liability only and full coverage insurance, respectively.

We found Shelter Mutual offered the lowest policy, with rates sometimes as cheap as $21 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2014 Ford F350 Car Insurance

   
Liability Only Avg. Premium$49
Full Coverage Avg. Premium$111
Base MSRP$30,930
Cheapest Insurance CompanyCommonwealth Casualty - $40/mo.
Available TrimsSUPER DUTY

It costs about $49 a month for liability or $111 for a full coverage policy for the 2014 Ford F350.

With premiums sometimes as low as $40 monthly, Commonwealth Casualty offered the most affordable policy we found for the 2014 Ford F350.

Interested in what your car insurance price could look like? Get lots of free customized quotes by just entering your ZIP code below.

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2013 Ford F350 Car Insurance

   
Liability Only Avg. Premium$109
Full Coverage Avg. Premium$213
Base MSRP$30,770
Cheapest Insurance CompanyLiberty Mutual - $45/mo.
Available TrimsSUPER DUTY

The average cost to insure a 2013 F350 with liability only coverage is $109 per month, while full coverage runs around $213 a month.

Liberty Mutual offered the cheapest policy we found, with rates as little as just $45 monthly.

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

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2012 Ford F350 Car Insurance

   
Liability Only Avg. Premium$56
Full Coverage Avg. Premium$107
Base MSRP$29,785
Cheapest Insurance CompanyClearcover - $31/mo.
Available TrimsSUPER DUTY

You can expect full coverage for a 2012 Ford F350 to run about $107 per month, while liability only coverage will average around $56 a month.

If you're looking for the lowest possible 2012 Ford F350 insurance policy, Clearcover offered the lowest policy we found, with rates as low as $31 monthly.

If you want to know exactly how much you can expect to pay for your F350, just enter your ZIP code below and get several free quotes in minutes.

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2011 Ford F350 Car Insurance

   
Liability Only Avg. Premium$125
Full Coverage Avg. Premium$169
Base MSRP$29,435
Cheapest Insurance CompanyDirectGeneral - $110/mo.
Available TrimsSUPER DUTY

The average cost to insure a 2011 F350 with liability only coverage is $125 per month, while full coverage runs about $169 a month.

We found DirectGeneral offered the most affordable policy, with rates as little as $110 monthly.

What could your auto insurance cost look like? Just enter your ZIP code below to get several free customized quotes.

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2010 Ford F350 Car Insurance

   
Liability Only Avg. Premium$94
Full Coverage Avg. Premium$139
Base MSRP$26,595
Cheapest Insurance CompanyCommonwealth Casualty - $40/mo.
Available TrimsSUPER DUTY

You can expect full coverage for a 2010 Ford F350 to run around $139 per month, while liability only coverage will average about $94 a month.

Commonwealth Casualty has costs as cheap as just $40 monthly for the 2010 Ford F350.

If you want to know exactly how much you can expect to pay for your F350, get free quotes in minutes by just entering your ZIP code below.

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Ford F350 Insurance FAQs

Is a Ford F350 expensive to insure?

Liability insurance runs an average of $69 per month, while full coverage will cost you around $135. When compared to the national average of all vehicles, premiums come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Ford F350?

There's only one way to be sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from lots of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Ford F350 affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure, but that's just a myth. There are a variety of things car insurance companies examine when they calculate how much your policy will be, but your F350's color is not one of them.

Do I need to have insurance before I buy a Ford F350?

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance company know beforehand.

What car insurance discounts can I get for my Ford F350?

You will find a bunch of different discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your F350 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about which discounts they offer.

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