Ford F-350 Insurance Rates
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UPDATED: Feb 7, 2020
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Do you need car insurance for a Ford F-350? Finding the right car insurance rates can be hard, but our guide is here to make things simpler. Whether you need to find 2006 Ford F-350 insurance or insurance for a 2020 model, we’ve got you covered.
We go over average car insurance rates, safety ratings, repair costs, and more, so you can be sure insurance and owning a Ford F-350 is within your budget.
Want to start finding insurance for a Ford F-350 today? Enter your ZIP code in our free tool above to get started on comparing rates.
There are many options when buying insurance for your Ford F-350. You can get prices from an agent or shop online to compare rates from multiple companies. online is easy and there is a good chance you can save money.
shopping for insurance may think buying cheap Ford F-350 insurance is very challenging. Finding lower Ford F-350 insurance cost is not rocket science. You just have to spend a little time getting comparison quotes from different insurance companies. by comparing rates here.
Car insurance premiums for a Ford F-350 will vary greatly based upon several criteria. Some of these factors include:
- The performance level of your F-350
- Your accident history
- Use of your vehicle
- Extra coverages like towing and rental
- Your claim history
- No coverage lapses saves money
- Whether you own your home
An additional factor Ford F-350 insurance rates is the year of the vehicle. Newer models than older models so repair costs are higher which will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may lower rates.
Liability coverage - Liability insurance protects you from damage that occurs to other people or property Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.
Collision coverage - pays for damage to your F-350 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Ford F-350 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage .
Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.
You could save about $800 a year by increasing your deductibles and getting online car insurance quotes. However, if you are a teen driver, your rates will still be higher.
Want to learn about what else determines the price of car insurance? Keep reading to find out.
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How does the size and class of the Ford F-350 affect liability rates?
Most states require drivers to have liability insurance, so it is important that you understand how your choice of vehicle can cause your liability rates to go through the roof. What does liability insurance cover? It pays for the other driver’s medical and property bills after an accident, so any cars that can inflict significant damage or are more likely to crash will have higher liability rates.
Unfortunately, the Ford F-350 is a very large pickup. Why are pickups so expensive to insure? The size of a pickup means that if crashes into other vehicles, the property damage and bodily injury losses may be more severe. Because of this, insurers will definitely look at insurance losses to determine liability rates.
To show you what insurers will be looking at, we pulled insurance losses from the Insurance Institute for Highway Safety (IIHS) for the Ford F-350 SuperCrew 4WD.
- Property Damage Losses: 34 percent (substantially worse than average)
- Bodily injury Losses: -8 percent (average)
The bodily injury losses are not bad, but the property damage losses are terrible. To see if this will cause high liability rates, keep reading.
What does liability insurance cost for the Ford F-350?
We filled out a sample quote from Geico to see what liability insurance would cost for a 2020 Ford F-350 Super Duty DRW Crew Cab (4×2 two-door pickup). Our sample is based on a 40-year-old driver who lives in Pennsylvania, has a clean driving record, and travels 13,000 miles a year.
The first set of prices below is for bodily injury coverage (for a six-month policy).
- Low ($15,000/$30,000): $45.78
- Medium ($100,000/$200,000): $93.84
- High ($500,000/$500,000): $151.07
These price increases may seem high, but the amount of coverage you get is great. Medical bills are expensive, which is why it’s important to have at least medium coverage in case you injure someone in an accident.
The price increases for property damage coverage are a bit lower, but the amount of coverage offered is lower (cars are cheaper to repair than people).
- Low ($5,000): $462.50
- Medium ($20,000): $498.39
- High ($100,000): $524.61
It only costs $62 to upgrade from low to high coverage, which is about an extra $10 a month.
What are the safety features and ratings of the Ford F-350?
Curious about what safety features are included with your Ford F-350? The more safety features there are on your car, the more willing your insurer will be in offering a discount. Take a look at AutoBlog’s list of standard safety features for the 2020 Ford F-350 below.
- Crash prevention: anti-lock brakes and stability control.
- Crash safety: front-impact airbags, side-impact airbags, and overhead airbags.
- Anti-theft: ignition disable device.
The Ford F-350 is a little light on safety features. Not only does this mean that you are less safe, but it also means you won’t earn as big a discount on your car insurance. In addition, the Ford F-350 hasn’t been crash-tested by the IIHS.
Because of this, insurers will likely look at fatality rates for pickups to gauge the crash risk of the Ford F-350. According to the IIHS, 2018 driver fatalities per million vehicles were 34 fatalities for pickups, 23 fatalities for SUVs, and 48 fatalities for cars. For all occupant fatalities per million vehicles, there were 42 pickup fatalities, 32 SUV fatalities, and 69 car fatalities.
These numbers show that pickups are in the middle safety-wise — pickups have more fatalities than SUVs but fewer fatalities than cars. Interestingly, the total number of fatalities in 2018 actually shows that pickups had the fewest fatalities. The breakdown of pickup fatalities by crash type is below.
- Frontal Impact: 2,493 deaths
- Side Impact: 807 deaths
- Rear Impact: 173 deaths
- Other (mostly rollovers): 896 deaths
Pickups only had a total of 4,369 fatalities in 2018, with frontal impacts being the deadliest type of crash. In comparison, there were 5,035 SUV fatalities and 13,138 car fatalities. Based on these numbers, a pickup is one of the safer vehicles to drive around in.
What is the MSRP of the Ford F-350?
Did you know that the manufacturer suggested retail price affects your car insurance rates? Insurers use this price to determine the value of a car, as MSRP is a fixed price, unlike the invoice price (the seller price) or the fair market value (what others are paying).
The two coverages that MSRP effects are collision coverage and comprehensive coverage, as these coverages pay for your car repairs after an accident. Collision covers crashes with other vehicles and objects, while comprehensive covers crashes with animals, weather damages, vandalism, and theft.
If the MSRP is high, this means that your insurer will have to pay more for repairs. To offset these potential losses, insurers will raise your collision and comprehensive rates. Want to know what the MSRP is for a Ford F-350?
According to Kelley Blue Book (KBB), the prices for the 2019 Ford F-350 Super Duty are as follows:
- MSRP: $39,715
- Invoice: $37,810
- Fair Purchase Price: $37,038
- Fair Market Range: $35,594 to $38,482
The MSRP is about $3,000 more than the fair purchase price, which shows how important it is to shop around for a fair purchase price.
Another factor that can affect the price of your car insurance is the insurance losses for collision and comprehensive insurance. Insurers want to know what the best and worst vehicles for overall collision losses and comprehensive losses are, as it helps insurers calculate a vehicle’s risk.
Luckily, most of the losses for the different versions of the Ford F-F30 are good. Below, you can see the IIHS’s data on average losses for collision insurance.
- Ford F-350 4WD: -38 percent (substantially better than average)
- Ford F-350 SuperCab 4WD: -43 percent (substantially better than average)
- Ford F-350 SuperCrew 4WD: -14 percent (average)
All of these losses are negative, which is great. However, the comprehensive losses aren’t as good as the collision losses.
- Ford F-350 SuperCab 4WD: -9 percent (average)
- Ford F-350 SuperCrew 4WD: 58 percent (substantially worse than average)
If you own the SuperCrew version of the Ford F-350, you may find that you have slightly higher rates for collision insurance. In addition, insurance is higher on a diesel truck, so any model version that runs on diesel may also have more expensive rates.
You may also wonder, does a 4×4 cost more to insure? The answer is yes, a 4×4 will cost more to insure than if you own a 2×2 version of the Ford F-350. For all other versions, however, you should have normal rates.
How much will it cost to repair my Ford F-350?
Knowing what your average repair costs are will help you prepare for yearly expenses. Cars that need expensive repair parts, such as custom made paint or a hard-to-find fender, will cost more to repair. If your car is expensive to repair or prone to breakdowns, insurers will charge more.
So to see what repairs are like for the 2020 Ford F-350, we used InstantEstimator’s free estimate tool to get repair estimates for level two damage.
- Front bumper: $389
- Rear bumper: $399
- Hood: $411
- Roof: $459
- Front door: $403
- Rear door: $391
- Fender: $363
- Quarter panel: $411
The repair costs for the Ford F-350 look about average, which is good news. Because the Ford F-350 is mass-produced by a popular manufacturer, parts and paint will be easier to find than if you had a custom-made or vintage car.
Now that we are at the end of our guide to Ford F-350 car insurance costs, we hope you have a better understanding of the rates you should be paying.
Want to start comparing rates for a Ford F-350 today or just want to know which truck has the cheapest insurance? Enter your ZIP code in our free tool.
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