Ford F250 Car Insurance Cost 2025
On average, insuring a Ford F250 costs $2,315 annually. However, the exact price depends on factors like your age, the car’s model year, and other details. Check out our quote tables below to estimate your personalized costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
The Ford F-250 often incurs higher insurance premiums compared to other vehicles, with an average annual cost of $2,315. This figure surpasses the overall average car insurance cost of $2,123. Factors contributing to this include the truck’s value, features, and trim levels. Newer models and higher trims, equipped with advanced technology and amenities, tend to have higher insurance costs. Conversely, base models like the F-250 SD XL may offer more affordable insurance rates. Individual factors such as model year, trim level, and specific features play a significant role in determining the insurance cost for the Ford F-250.
How Much Does Ford F250 Car Insurance Cost?
Ford F250 owners typically pay an average of $2,315 annually for car insurance.
The cost of car insurance can vary widely depending on several factors, such as your location, driving history, the model year of your vehicle, and the type of coverage you choose. Drivers with a clean record often benefit from lower premiums, while those with accidents or traffic violations may face higher rates.
Living in an urban area with high traffic congestion can also increase insurance costs compared to living in a quieter rural area. Additionally, your choice of coverage matters—comprehensive plans that include collision protection typically cost more than basic liability coverage.
As shown in the table below, insuring a Ford F250 is generally more affordable than the average cost for all Ford models but still higher than the average for all vehicles.
Insuranceopedia can help you compare quotes from various providers to find the best coverage for your needs.
| Vehicle | Average Monthly Premium |
| Ford F250 | $145 |
| All Fords | $186 |
| All Cars | $175 |
Average Insurance Cost Of Ford F250 By Model Year
| Model Year | Average Premium |
| 2025 Ford F250 | $2,050 |
| 2024 Ford F250 | $2,875 |
| 2023 Ford F250 | $1,433 |
| 2022 Ford F250 | $986 |
| 2021 Ford F250 | $921 |
| 2020 Ford F250 | $884 |
| 2019 Ford F250 | $1,006 |
| 2018 Ford F250 | $829 |
| 2017 Ford F250 | $731 |
| 2016 Ford F250 | $961 |
| 2015 Ford F250 | $834 |
| 2014 Ford F250 | $804 |
| 2013 Ford F250 | $731 |
| 2012 Ford F250 | $638 |
| 2011 Ford F250 | $601 |
| 2010Ford F250 | $716 |
2025 Ford F250 Insurance Rates
The average annual insurance cost for a 2025 Ford F250 is $2,050. However, Auto-Owners Insurance offers the cheapest rates, averaging $1,809 per year.
| Insurance Provider | Average Annual Cost |
| Auto-Owners Insurance | $1.664 |
| USAA | $1.630 |
| Travelers | $1.795 |
| Nationwide | $1.800 |
| Progressive | $2.106 |
| State Farm | $2.051 |
| Geico | $2.209 |
| Farmers | $2.427 |
| Allstate | $2.791 |
2024 Ford F250 Insurance Rates
The average annual insurance cost for a 2024 Ford F250 is $2,875. However, Allstate offers the cheapest rates, averaging $1,809 per year.
| Insurance Provider | Average Annual Cost |
| United Automobile Ins Group | $2,633 |
| Chubb | $3,132 |
| Allied | $3,324 |
| Mercury | $2,403 |
| Auto-Owners Insurance Co | $3,521 |
| Allstate | $1,809 |
| USAA | $3,192 |
| SECURA Insurance | $3,151 |
| Direct General Insurance | $2,539 |
| Metropolitan | $3,049 |
2023 Ford F250 Insurance Rates
The average annual insurance cost for a 2023 Ford F250 is $1,433. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,010 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,131 |
| Nationwide | $1,443 |
| USAA | $1,356 |
| Esurance | $1,650 |
| Texas Farm Bureau Group | $1,010 |
| 21st Century | $1,501 |
| Capital Insurance Group | $1,122 |
| Unitrin | $1,765 |
| Republic Indemnity | $1,601 |
| Grange | $1,747 |
2022 Ford F250 Insurance Rates
The average annual insurance cost for a 2022 Ford F250 is $986. However, Safeco offers the cheapest rates, averaging $98 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,196 |
| Safeco | $98 |
| New York Central Mutual Fire | $902 |
| GMAC Insurance Group | $1,203 |
| NatGen Value | $768 |
| ALFA | $1,117 |
| National Farmers Union P | $1,198 |
| Virginia Farm Bureau | $1,102 |
| Plymouth Rock Assurance | $1,243 |
| North Carolina Farm Bureau | $1,033 |
2021 Ford F250 Insurance Rates
The average annual insurance cost for a 2021 Ford F250 is $921. However, Safeco offers the cheapest rates, averaging $97 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $97 |
| Pekin Insurance | $1,048 |
| IMT Insurance Company | $1,188 |
| Farm Bureau Mutual (IA Group) | $1,013 |
| Virginia Farm Bureau | $1,161 |
| Clearcover | $754 |
| Hastings Mutual Insurance Co | $1,122 |
| SECURA Insurance | $1,030 |
| Texas Farm Bureau Group | $1,081 |
| NatGen Value | $719 |
2020 Ford F250 Insurance Rates
The average annual insurance cost for a 2020 Ford F250 is $884. However, American National P offers the cheapest rates, averaging $420 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $570 |
| Dairyland | $834 |
| AssuranceAmerica Elite | $795 |
| Mercury Insurance | $804 |
| New Jersey Manufacturers | $1,082 |
| North Carolina Farm Bureau | $1,085 |
| American National P | $420 |
| Pekin Insurance | $1,043 |
| Tennessee Farmers | $1,103 |
| Erie | $1,099 |
2019 Ford F250 Insurance Rates
The average annual insurance cost for a 2019 Ford F250 is $1,006. However, Safeco offers the cheapest rates, averaging $374 per year.
| Insurance Provider | Average Annual Cost |
| Mutual Of Enumclaw | $1,076 |
| American National P | $689 |
| Safeco | $374 |
| Pekin Insurance | $1,166 |
| Virginia Farm Bureau | $1,202 |
| Unigard | $956 |
| National General RAD | $1,058 |
| Oregon Mutual | $1,130 |
| Utica National Ins Group | $1,233 |
| Mercury Insurance | $1,174 |
2018 Ford F250 Insurance Rates
The average annual insurance cost for a 2018 Ford F250 is $829. However, Safeco offers the cheapest rates, averaging $180 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $501 |
| Safeco | $180 |
| North Carolina Farm Bureau | $1,177 |
| Capital Insurance Group | $1,110 |
| New York Central Mutual Fire | $870 |
| Mercury Insurance | $582 |
| Buckeye Insurance Group | $954 |
| Pekin Insurance | $710 |
| Penn National | $1,131 |
| Erie | $1,072 |
2017 Ford F250 Insurance Rates
The average annual insurance cost for a 2017 Ford F250 is $731. However, Safeco offers the cheapest rates, averaging $349 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $891 |
| National General Value | $830 |
| Countryway Insurance | $857 |
| Safeco | $349 |
| Partners Mutual Insurance Co | $779 |
| Pekin Insurance | $864 |
| Concord Group | $704 |
| American National P | $519 |
| IMT Insurance Company | $847 |
| Mercury Insurance | $666 |
2016 Ford F250 Insurance Rates
The average annual insurance cost for a 2016 Ford F250 is $961. However, Safeco offers the cheapest rates, averaging $267 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $970 |
| Countryway Insurance | $1,122 |
| North Carolina Farm Bureau | $955 |
| Safeco | $267 |
| Capital Insurance Group | $995 |
| New Jersey Manufacturers | $1,032 |
| American National P | $787 |
| SECURA Insurance | $1,182 |
| Plymouth Rock | $1,131 |
| Virginia Farm Bureau | $1,173 |
2015 Ford F250 Insurance Rates
The average annual insurance cost for a 2015 Ford F250 is $834. However, Safeco offers the cheapest rates, averaging $175 per year.
| Insurance Provider | Average Annual Cost |
| Celina Insurance Group | $1,088 |
| New Jersey Manufacturers | $930 |
| American National P | $547 |
| Kentucky Farm Bureau | $1,106 |
| Safeco | $175 |
| SafeAuto | $1,196 |
| Mercury Insurance | $727 |
| Buckeye Insurance Group | $573 |
| Texas Farm Bureau Group | $1,083 |
| Western Reserve | $913 |
2014 Ford F250 Insurance Rates
The average annual insurance cost for a 2014 Ford F250 is $804. However, Safeco offers the cheapest rates, averaging $125 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $605 |
| Capital Insurance Group | $911 |
| NatGen Advantage | $944 |
| American National P | $849 |
| Oregon Mutual | $1,046 |
| SECURA Insurance | $888 |
| Kemper Auto | Infinity | $922 |
| Safeco | $125 |
| Kemper Personal Insurance | $1,076 |
| PEMCO | $675 |
2013 Ford F250 Insurance Rates
The average annual insurance cost for a 2013 Ford F250 is $731. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $390 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $866 |
| AssuranceAmerica Mobile Max | $390 |
| Buckeye Insurance Group | $695 |
| Kemper Personal Insurance | $823 |
| American National P | $509 |
| New York Central Mutual Fire | $893 |
| Pekin Insurance | $747 |
| Dairyland | $752 |
| AssuranceAmerica | $802 |
| Indiana Farmers Mutual Ins | $836 |
2012 Ford F250 Insurance Rates
The average annual insurance cost for a 2012 Ford F250 is $638. However, Safeco offers the cheapest rates, averaging $67 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $67 |
| New York Central Mutual Fire | $811 |
| Mercury Insurance | $664 |
| Capital Insurance Group | $751 |
| American National P | $402 |
| Pekin Insurance | $672 |
| West Bend Mutual | $837 |
| PEMCO | $667 |
| SECURA Insurance | $712 |
| Texas Farm Bureau Group | $799 |
2011 Ford F250 Insurance Rates
The average annual insurance cost for a 2011 Ford F250 is $601. However, Mercury Insurance offers the cheapest rates, averaging $156 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $793 |
| Safeco | $336 |
| Pekin Insurance | $587 |
| Ohio Mutual Ins Group | $802 |
| SafeAuto | $570 |
| Dairyland Scored | $659 |
| Mercury Insurance | $156 |
| Liberty Mutual | $847 |
| Western Reserve | $788 |
| Buckeye Insurance Group | $475 |
2010 Ford F250 Insurance Rates
The average annual insurance cost for a 2010 Ford F250 is $716. However, American National P offers the cheapest rates, averaging $402 per year.
| Insurance Provider | Average Annual Cost |
| Ohio Mutual Ins Group | $844 |
| Indiana Farmers Mutual Ins | $942 |
| Mississippi Farm Bureau | $915 |
| SECURA Insurance | $673 |
| Plymouth Rock Assurance | $645 |
| Buckeye Insurance Group | $693 |
| American National P | $402 |
| Southern Farm Bureau | $769 |
| Direct Auto | $586 |
| Acuity | $691 |
Find Affordable Ford F250 Insurance Rates
Is A Ford F250 Expensive To Insure?
The Ford F250’s insurance costs can vary based on factors like coverage options, discounts, and individual profiles. Providers like State Farm, USAA, and Geico offer competitive rates, with premiums starting around $38 per month. State Farm is known for comprehensive plans and affordability, USAA caters to military families, and Geico provides low-cost premiums. The rates can range from $120 to $178 per month for full coverage. While the Ford F250 may not be the cheapest to insure, competitive rates and discounts make it accessible for many drivers.
Cheapest Car Insurance Companies For A Ford F250
The table presents the top 5 cheapest car insurance companies for a Ford F250, along with their monthly rates. USAA and Travelers offer the most affordable rates at $143 per month, while Geico has the highest rate among the five at $181 per month. Other companies listed are Progressive and State Farm, with rates of $167 and $180 respectively. These rates provide a range of options for Ford F250 owners seeking competitive insurance premiums.
| Company | Average Monthly Rate |
| Progressive | $167 |
| State Farm | $180 |
| USAA | $143 |
| Travelers | $143 |
| Geico | $181 |
Common Ford F250 Insurance Discounts
Discounts are an excellent way to reduce your car insurance premiums. While specific discounts vary by provider, here are a few common ones you might qualify for:
- Multi-policy: Bundling your auto and home insurance with the same provider often comes with a reduced rate.
- Pay annually: Paying your entire premium upfront instead of monthly installments can save you money.
- Defensive driving: Completing a certified defensive driving course may make you eligible for discounted rates.
There may be additional discounts available, so it’s a good idea to consult your insurance agent to identify all the options you qualify for.
Ways To Save On Ford F250 Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Ford F250 insurance premiums. Traffic violations like speeding tickets or accidents can significantly increase your rates. On average, Ford F250 drivers with a ticket pay $92 per month, while those with multiple accidents see rates rise to $123 per month.
Another way to save is by maintaining low annual mileage. Drivers with fewer miles on the road are considered lower risk and often qualify for reduced premiums. For instance, Ford F250 drivers covering 5,000 to 7,500 miles annually pay about $73 per month, whereas those driving more than 10,000 miles pay closer to $86 per month. Staying accident-free and limiting your mileage can help keep insurance costs manageable.
Compare Ford F250 To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance companies. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures provided in this guide may vary based on your personal details and coverage needs.
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FAQs
Do You Need Insurance Before You Can Purchase A Ford F250?
Yes, you must show proof of insurance before driving your Ford F250 off the dealership lot. It’s best to purchase a policy ahead of time and inform your insurance company about the upcoming purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Ford F250?
The most effective way to find the cheapest insurance rates for your Ford F250 is to shop around and compare quotes from various providers. Insuranceopedia makes this process easy by letting you compare quotes from multiple companies directly on our website.
