F250 vs F350 Insurance Cost: Is Insurance Higher On a F-350?
This is the unique thing about America. Each state has the freedom to set its own rules and insurance coverage is one of those items where they get to do this. You will find that insurance and governments will vary in regulations for the F350 and how they are insured.
In general, yes it is. The annual average cost to insure a Ford F350 is just over $3000 which is slightly over $400 for all other Fords including the F250. Of course, your insurance premium will vary depending on how your F350 is classified and the insurance protection you buy.
To learn more about this important topic, just continue to read our article. It has the information you need to know so you do not get surprised when the agent quotes you your premium price. Take a few minutes to get up to speed on this vital topic.
F250 vs F350 Insurance Cost
We cannot quote every insurance company nor every state on this issue but we can give you a general idea of what to expect when you go to insure your vehicles. Most of the websites we looked at had the F350 about $400 to $500 higher to insure than the F250.
However, one website had a chart showing that every model of the F250 cost more to insure than the F350. The difference was between $150 and $400 approx. The same website compared all 44 trims for each model series and said that the F350 was cheaper to insure and the coverage averaged out to about $1416 per year.
Why this is so is that they may only have been comparing Super Duty models as everyone else had the F350 costing more to insure. One website had the cost to insure an F350 between $ 962 (discount rate) and $6160 (teen driver.
It will be up to the individual insurance company how much you will pay as if the F350 is classified as a commercial vehicle, you will pay more than the most expensive F250.
Is Insurance Higher On an F-350?
Yes, it can be when new. We looked at several charts for used F350s and the amount you have to pay is far lower than what has been quoted for new ones. 2018 models were being insured for an annual average of $976.
The 2016s were being insured at an annual rate of $937 and the 2017s were insured at $981. These prices were taken from the 12 cheapest insurance companies in the country. The older you go the lower your annual premium.
You may find that some years the used F250 will be more costly to insure than the F350 but not every year.
How Much is Insurance On a 2020 F-350?
The 2020 SD limited for this model of Ford truck is listed as costing $2,327 for the year. This is taken from a list of the most expensive trucks to insure. This vehicle was #2 on that list and over $1000 more approx. than the 5 cheapest trucks to insure.
The truck that beat this one was the 2020 Ford F-450 SD King Ranch Crew 4WD Turbo Diesel but only by $23. Not a big difference there. Keep in mind these figures are the average annual costs.
Some states and insurance companies will have cheaper rates for the same vehicle as well as higher ones. It will depend on where you live, what equipment is in the truck, and if you are using it for commercial purposes or not.
If you are driving and towing in California, be careful as you may get pulled over by the CHP truck officers at any time and checked out. The fines in that state are quite steep. You may get a pass if you have out-of-state plates on your truck but never count on that to get you out of a jam.
The best thing to do is shop around if you do not have a set insurance company already. If you do, you may lower your rates when you show the agent the lower prices from other companies. This strategy might work for you.
What is The Insurance Price Difference Between F-250 And F-350?
Before we get to the details of the insurance prices for these vehicles, we should state that there are different criteria used by different insurance companies. Those criteria are influenced by how the state classifies the trucks.
If you are going for pleasure only, then your rates will be lower than if you used your trucks for business or driving to and from work. The answer to this question depends on which website you go to and believe.
The difference is not that great between the two vehicles. One website will say that the F250 is more expensive to insure while others will say the opposite. We found that it also depends on the model year with the two trucks trading the top spot frequently.
When it comes to used vehicles it is a matter of only a few dollars between them. For the 2022 models, it will depend a lot on your age and gender how much more you will pay for each vehicle.
We like to get more specific but with so many insurance companies following their own rules, it is hard to give you specific numbers. You just have to talk to your insurance agent to get specific figures.
Some Final Words
Different states have different classifications for both vehicles. The more you use these trucks the higher your rate. Plus, if you happen to live in the wrong state, your costs may be higher than a relative’s who lives in a cheaper state.
To get the most up-to-date premium cost, talk to your insurance agent and ask a few others to get a better idea. Your costs for both trucks will depend on what you are using the trucks for.
