If you’re currently deciding between purchasing a Ford F250 or a Ford F350, it makes sense to shop around for car insurance when considering overall costs.
Thankfully, the likelihood of your insurance costs as much as a Lamborghini’s is pretty slim being that Ford is not nearly as high-maintenance.
This article will help you get an understanding of what your insurance rates might look like for either the Ford F250 or the Ford F350 so you can get the best car insurance.
Keep in mind that there are many considerations that insurance companies will look at in your individual case that will affect your specific car insurance quotes.
How are the F250 and F350 Different?
Different year models will have different features, but overall the biggest difference between these two models are in their towing capabilities.
The 2021 F250 has a conventional towing capacity of 20,000 pounds, while the 2021 F350 can tow 21,250 pounds.
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Shopping for Insurance Quotes
Keep in mind that there are many different considerations that go into an individual’s insurance quote, including where you live, your driving history, and your age.
However, there are many different options out there and even ways to get multiple quotes at once online from brokerages instead of having to collect individual quotes yourself.
F250 vs F350 Insurance: 2015
2015 F250
The average cost of a year of full coverage for a 2015 F250 is $1,458.
High-risk insurance will cost closer to $3,166, while a comprehensive insurance policy averages at $270, collision averages $494, and liability-only policies costing $572.
Teenage drivers are charged the highest premium at $5,616 a year.
2015 F350
The average cost of a year of full coverage for a 2015 F350 is $1,530.
High-risk insurance will cost closer to $3,300, while a comprehensive insurance policy averages at $290, collision averages $470, and liability-only policies costing $570.
Teenage drivers are charged the highest premium at $5,904 a year.
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F250 vs F350 Insurance: 2016
2016 F250 Average Insurance Rates
The average cost of a year of full coverage for a 2016 F250 is $1,496.
High-risk insurance will cost closer to $3,246, while a comprehensive insurance policy averages at $282, collision averages $524, and liability-only policies costing $510.
Teenage drivers are charged the highest premium at $5,728 a year.
2016 F350 Average Insurance Rates
The average cost of a year of full coverage for a 2016 F350 is $1,566.
High-risk insurance will cost closer to $3,380, while a comprehensive insurance policy averages at $302, collision averages $500, and liability-only policies costing $628.
Teenage drivers are charged the highest premium at $6,010 a year.
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F250 versus Ford 350: 2017
2017 F250 Average Insurance Rates
The average cost of a year of full coverage for a 2017 F250 is $1,536.
High-risk insurance will cost closer to $3,340, while a comprehensive insurance policy averages at $292, collision averages $564, and liability-only policies costing $560.
Teenage drivers are charged the highest premium at $5,858 a year.
2017 F350 Average Insurance Rates
The average cost of a year of full coverage for a 2017 F350 is $1,606.
High-risk insurance will cost closer to $3,468, while a comprehensive insurance policy averages at $314, collision averages $538, and liability-only policies costing $554.
Teenage drivers are charged the highest premium at $6,126 a year.
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F350 Compared With Ford 250: 2018
2018 F250 Average Insurance Rates
The average cost of a year of full coverage for a 2018 F250 is $1,280.
High-risk insurance will cost closer to $2,750, while a comprehensive insurance policy averages at $274, collision averages $418, and liability-only policies costing $486.
Teenage drivers are charged the highest premium at $4,830 a year.
2018 F350 Average Insurance Rates
The average cost of a year of full coverage for a 2018 F350 is $1,606.
High-risk insurance will cost closer to $3,468, while a comprehensive insurance policy averages at $314, collision averages $538, and liability-only policies costing $554.
Teenage drivers are charged the highest premium at $6,126 a year.
Comparing 2019 Costs and Rates!
2019 F250 Average Insurance Rates
The average cost of a year of full coverage for a 2019 F250 is $1,536.
High-risk insurance will cost closer to $3,340, while a comprehensive insurance policy averages at $292, collision averages $564, and liability-only policies costing $560.
Teenage drivers are charged the highest premium at $5,858 a year, bringing in very similar numbers to 2017 quotes.
2019 F350 Average Insurance Rates
Interestingly enough, the estimates remain the same as the previous two years for the F350. The average cost of a year of full coverage for a 2019 F350 is $1,606.
High-risk insurance will cost closer to $3,340, while a comprehensive insurance policy averages at $314, collision averages $538, and liability-only policies costing $620.
Teenage drivers are charged the highest premium at $6,126 a year.
Understanding 2020 Estimates
2020 F250 Average Insurance Rates
For full coverage of a 2020 F250, the average cost is $1,546.47 a year. Quotes for collision, high-risk, comprehension, and liability-only will have to be obtained by the individual as data is not currently available.
2020 and 2021 F350 Average Insurance Rates
Online data shows that insurance averages top out at $1,606 for the Ford F350.
When you compare car insurance quotes, you’ll be able to receive more specific data based on your location, age, and driving record.
Additionally, you can explore rates for collision, comprehensive and liability-only coverage.
F250 Insurance for 2021
2021 F250 Average Insurance Rates
For full insurance coverage of a 2021 Ford F250 is $1,140 a year. Quotes for collision, high-risk, comprehension, and liability-only will have to be obtained by the individual as data is not currently available.
F250 Average Insurance Estimates
| 2017 | 2018 | 2019 | 2020 | 2021 | |
| Full Coverage | $1,536 | $1,280 | $1,536 | $1,546 | $1,140 |
| Comprehensive | $292 | $274 | $292 | n/a | n/a |
| Collision | $564 | $418 | $564 | n/a | n/a |
| Liability Only | $560 | $486 | $560 | n/a | n/a |
| High Risk | $3,340 | $2,750 | $3,340 | n/a | n/a |
| Teenager | $5,858 | $4,830 | $5,858 | n/a | n/a |
F350 Average Insurance Estimates
| 2018 | 2019 | 2020 | 2021 | |
| Full Coverage | $1,606 | $1,606 | $1,606 | $1,606 |
| Comprehensive | $314 | $314 | n/a | n/a |
| Collision | $538 | $538 | n/a | n/a |
| Liability Only | $554 | $554 | n/a | n/a |
| High Risk | $3,468 | $3,468 | n/a | n/a |
| Teenager | $6,126 | $6,126 | n/a | n/a |
Conclusion
While these numbers are averages to help you get a better idea of how you can compare car insurance prices between a Ford F250 and a Ford F350.
Keep in mind there are many different factors that insurance companies will consider when giving you a quote.
It’s easy to see by the high-risk insurance quotes shown in the tables above that it’s well worth your effort to drive safely and responsibly, so the cost of being considered high-risk is not a burden you’ll have to bear.
Your insurance rates will go down the older you get, a perk of growing older.
If you’re in a large city, your insurance will likely be higher than if you were in a smaller town with less traffic.
You can’t control these things, but you can crunch numbers and see if there’s any possibility of offsetting potential car payment prices with insurance savings or vice versa.
The F350 insurance estimates are consistently higher than the F250 insurance estimates, but always keep in mind that you might be eligible for discounts or other perks when you’re looking for the best car insurance quotes.