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What does it cost to insure my Ford F-250?
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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.Â
Last updated: February 26th, 2024
The Ford F-250 is sometimes expensive to insure compared to other vehicles, with an average cost of $2,315 per year. This is higher than the overall average cost of car insurance, which is $2,123 annually. Newer model years of the F-250 and higher trim levels can lead to higher insurance costs due to their increased value and features. For example, the F-250 SD XL, which is a base model with fewer features, may be less expensive to insure compared to higher trim levels with more advanced technology and amenities. Ultimately, individual factors such as the model year, trim level, and specific features of the F-250 can impact its insurance rates.
Trim | Annual Premium |
---|---|
F-250 SD Lariat | 2,564 |
F-250 SD King Ranch | 2,595 |
F-250 SD Limited | 2,600 |
F-250 SD Platinum | 2,572 |
F-250 SD XL | 2,315 |
F-250 SD XLT | 2,412 |
The model year of your Ford F-250 will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2023 F-250 SD XL costs about $2,315 to insure on average, so you can expect older model years to be less expensive. The table below shows the average cost to insure different F-250 SD XL model years in 2024.Â
Year | Annual Premium |
---|---|
2024 | 2,613 |
2023 | 2,315 |
2022 | 2,197 |
2021 | 2,114 |
2020 | 2,321 |
2019 | 2,092 |
2018 | 2,052 |
2017 | 2,012 |
2016 | 1,929 |
2015 | 1,907 |
2014 | 1,798 |
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.Â
The table below shows an average of how much it costs to insure a 2023 base model Ford F-250 at popular insurance companies for a single 35-year-old male with a clean driving record. The listed companies provide coverage in a large portion of the US, but might not be available near you.
Click here to see what it would cost to insure your Ford F-250 at top providers near you >
Carrier | Annual Premium |
---|---|
Auto-Owners Insurance | 1,634 |
USAA | 1,648 |
Travelers | 1,799 |
Nationwide | 1,822 |
Progressive | 2,059 |
State Farm | 2,063 |
Geico | 2,175 |
Farmers | 2,536 |
Allstate | 2,764 |
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.Â
Competitor | Annual Premium |
---|---|
Ford F-250 | 2,315 |
Chevrolet Silverado 2500 | 2,306 |
Ram Pickup 2500 | 2,280 |
GMC Sierra 2500 | 2,272 |
Toyota Tacoma | 2,111 |
Toyota Tundra | 2,209 |
Chevrolet Colorado | 2,142 |
Ford Ranger | 2,181 |
Jeep Gladiator | 2,018 |
Nissan Frontier | 2,156 |
Competitor | Annual Premium |
---|---|
Ford F-250 | 2,315 |
Chevrolet Silverado 2500 | 2,306 |
Ram Pickup 2500 | 2,280 |
GMC Sierra 2500 | 2,272 |
Toyota Tacoma | 2,111 |
Toyota Tundra | 2,209 |
Chevrolet Colorado | 2,142 |
Ford Ranger | 2,181 |
Jeep Gladiator | 2,018 |
Nissan Frontier | 2,156 |
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While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Because of this, the best way to save money on car insurance is to compare personalized rates from several insurance companies to find the cheapest premium for you. You should also see if you qualify for any discounts like a homeowner, multi-vehicle, or good driver discount.
Your Ford F-250 may also be eligible for discounts at certain insurance companies depending on the safety ratings and features that come with your model year and trim level.
Personalized rate estimates at the top insurance companies in your state
Your rates will vary based on where you live, your age, and other factors like your driving record
Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.Â
For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.
These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.Â
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