Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Ford F-450 Super Duty? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford F-450 Super Duty car insurance facts

  • Average full coverage auto insurance premium: $208/month

  • Most affordable companies: Erie Insurance ($130/month) & American Family ($138/month)

  • F-450 Super Duty car insurance cost vs. average rates: $15 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford F-450 Super Duty by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Ford F-450 Super Duty insurer costs by state:

Risk factors affecting Ford F-450 Super Duty car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford F-450 Super Duty car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford F-450 Super Duty repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford F-450 Super Duty affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2751
Acuity$2813
Allied$1921
Allstate$2046
American Family$1634
Arbella$1940
Country Financial$2233
Erie$1560
GEICO$1704
Kentucky Farm Bureau$2349
Liberty Mutual$1780
Mercury$1856
Nationwide$1936
Progressive$1719
State Farm$1635
Texas Farm Bureau$1997
The Hanover$2597
Travelers$2170

Compare all 2021 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$2489

List Price

$50410

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Base Engine: turbocharged 6.7-liter diesel V8 at 475 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2020 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2742
Allied$1835
Allstate$2050
American Family$1590
Arbella$1906
Country Financial$2212
Erie$1529
GEICO$1653
Kentucky Farm Bureau$2315
Liberty Mutual$1711
Mercury$1788
Nationwide$1869
State Farm$1606
Texas Farm Bureau$1970
The Hanover$2586
Travelers$2160

Compare all 2020 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$2364

List Price

$50210

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Base Engine: turbocharged 6.7-liter diesel V8 at 475 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2688
Allied$1790
Allstate$2049
American Family$1538
Arbella$1859
Country Financial$2160
Erie$1468
GEICO$1629
Kentucky Farm Bureau$2297
Liberty Mutual$1687
Mercury$1745
Nationwide$1835
State Farm$1540
Texas Farm Bureau$1967
The Hanover$2491
Travelers$2095

Compare all 2019 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$2286

List Price

$47375

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Base Engine: turbocharged 6.7-liter diesel V8 at 475 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2648
Allied$1650
Allstate$1925
American Family$1488
Arbella$1785
Country Financial$2159
Erie$1435
GEICO$1569
Kentucky Farm Bureau$2280
Liberty Mutual$1590
Mercury$1643
Nationwide$1706
State Farm$1537
Texas Farm Bureau$1864
The Hanover$2465
Travelers$2016

Compare all 2018 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$2419

List Price

$51795

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Base Engine: turbocharged 6.7-liter diesel V8 at 475 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2017 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1189
Acuity$ 1189
Amica$ 1403
Amica$ 1403
Arbella$ 1227
Arbella$ 1227
Country$ 1295
Country$ 1295
Erie$ 1018
Erie$ 1018
GEICO$ 1058
GEICO$ 1058
Grange Insurance$ 1430
Grange Insurance$ 1430
Mercury$ 1364
Mercury$ 1364
Quincy Mutual$ 1003
Quincy Mutual$ 1003
Southern Farm Bureau$ 1450
Southern Farm Bureau$ 1450
USAA$ 1504
USAA$ 1504
Vermont Mutual$ 1065
Vermont Mutual$ 1065

Compare all 2017 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$ 2321

List Price

$ 53945

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2016 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1160
Acuity$ 1160
Amica$ 1368
Amica$ 1368
Arbella$ 1173
Arbella$ 1173
Country$ 1260
Country$ 1260
Erie$ 984
Erie$ 984
GEICO$ 1059
GEICO$ 1059
Grange Insurance$ 1398
Grange Insurance$ 1398
Mercury$ 1349
Mercury$ 1349
Plymouth Rock Insurance$ 1468
Plymouth Rock Insurance$ 1468
Quincy Mutual$ 983
Quincy Mutual$ 983
Southern Farm Bureau$ 1439
Southern Farm Bureau$ 1439
Vermont Mutual$ 1027
Vermont Mutual$ 1027

Compare all 2016 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$ 2407

List Price

$ 53060

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2015 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1127
Acuity$ 1127
Amica$ 1332
Amica$ 1332
Arbella$ 1191
Arbella$ 1191
Country$ 1240
Country$ 1240
Erie$ 953
Erie$ 953
GEICO$ 999
GEICO$ 999
Grange Insurance$ 1367
Grange Insurance$ 1367
Mercury$ 1332
Mercury$ 1332
Plymouth Rock Insurance$ 1424
Plymouth Rock Insurance$ 1424
Southern Farm Bureau$ 1409
Southern Farm Bureau$ 1409
Tennessee Farmers$ 998
Tennessee Farmers$ 998
Vermont Mutual$ 988
Vermont Mutual$ 988

Compare all 2015 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$ 2062

List Price

$ 51720

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2014 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1091
Acuity$ 1091
Amica$ 1299
Amica$ 1299
Arbella$ 1166
Arbella$ 1166
Country$ 1231
Country$ 1231
Erie$ 933
Erie$ 933
GEICO$ 1142
GEICO$ 1142
Grange Insurance$ 1338
Grange Insurance$ 1338
Mercury$ 1319
Mercury$ 1319
Plymouth Rock Insurance$ 1208
Plymouth Rock Insurance$ 1208
Southern Farm Bureau$ 1374
Southern Farm Bureau$ 1374
Tennessee Farmers$ 982
Tennessee Farmers$ 982
Vermont Mutual$ 946
Vermont Mutual$ 946

Compare all 2014 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$ 1870

List Price

$ 50560

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2012 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 952
Acuity$ 952
Amica$ 1173
Amica$ 1173
Arbella$ 1030
Arbella$ 1030
Country$ 1104
Country$ 1104
Erie$ 883
Erie$ 883
GEICO$ 891
GEICO$ 891
Grange Insurance$ 1176
Grange Insurance$ 1176
Mercury$ 1317
Mercury$ 1317
Plymouth Rock Insurance$ 1160
Plymouth Rock Insurance$ 1160
Southern Farm Bureau$ 1179
Southern Farm Bureau$ 1179
Tennessee Farmers$ 870
Tennessee Farmers$ 870
Vermont Mutual$ 777
Vermont Mutual$ 777

Compare all 2012 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$ 1650

List Price

$ 49395

Trims Available

XL - XLT - Lariat - King Ranch

2011 Ford F-450 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1040
Acuity$ 1040
Amica$ 1072
Amica$ 1072
Arbella$ 950
Arbella$ 950
Country$ 1060
Country$ 1060
Erie$ 537
Erie$ 537
GEICO$ 862
GEICO$ 862
Grange Insurance$ 1149
Grange Insurance$ 1149
Plymouth Rock Insurance$ 1138
Plymouth Rock Insurance$ 1138
Quincy Mutual$ 1013
Quincy Mutual$ 1013
Southern Farm Bureau$ 1118
Southern Farm Bureau$ 1118
Tennessee Farmers$ 851
Tennessee Farmers$ 851
Vermont Mutual$ 737
Vermont Mutual$ 737

Compare all 2011 Ford F-450 Super Duty rates

Average Cost to Insure Per Year

$ 1842

List Price

$ 32595

Trims Available

XL - XLT - Lariat - King Ranch