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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a Ford F-250 is $2,804 per year or $234 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2025 Ford F-250 costs $2,804, whereas the 2024 Ford F-250 costs $2,904 annually. This is $100 more than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 Ford F-250 at $1,724 per year.
Below, we'll look at Ford F-250 insurance rates and show you how to save.
Average insurance cost of Ford F-250 by model year
| Year of Ford F-250 model | Average cost to insure |
|---|---|
| 2025 | $2,804 |
| 2024 | $2,904 |
| 2023 | $2,884 |
| 2022 | $2,622 |
| 2021 | $2,559 |
Compare F-250 insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $2,177 |
| Travelers | $2,276 |
| State Farm | $2,310 |
| UAIC | $2,645 |
| Farmers | $3,080 |
| GEICO | $3,567 |
| Mercury Insurance | $4,112 |
| Allstate | $4,307 |
| Progressive | $5,076 |
| AIG | $5,919 |
Ford F-250 insurance rates per year
2025 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,724 2 Nationwide $2,381 3 State Farm $2,509 4 GEICO $2,555 5 Progressive $3,014 6 Allstate $3,528 7 Farmers $3,738 8 USAA $1,943 2024 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,772 2 State Farm $2,496 3 Nationwide $2,532 4 GEICO $2,691 5 Progressive $3,052 6 Allstate $3,809 7 Farmers $3,908 8 USAA $2,380 2023 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,736 2 State Farm $2,419 3 Nationwide $2,553 4 GEICO $2,793 5 Progressive $2,997 6 Farmers $3,778 7 Allstate $3,889 8 USAA $2,433 2022 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,714 2 State Farm $2,227 3 GEICO $2,341 4 Nationwide $2,562 5 Progressive $2,829 6 Allstate $3,369 7 Farmers $3,542 8 USAA $2,023 2021 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,712 2 State Farm $2,140 3 GEICO $2,308 4 Nationwide $2,557 5 Progressive $2,752 6 Allstate $3,181 7 Farmers $3,409 8 USAA $2,047 2020 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,654 2 State Farm $2,160 3 GEICO $2,265 4 Nationwide $2,491 5 Progressive $2,659 6 Allstate $3,155 7 Farmers $3,334 8 USAA $1,918 2019 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,643 2 GEICO $2,166 3 State Farm $2,197 4 Nationwide $2,564 5 Progressive $2,572 6 Allstate $3,018 7 Farmers $3,231 8 USAA $1,841 2018 Ford F-250 insurance rates
Rank Company Average annual premium 1 Travelers $1,628 2 State Farm $2,067 3 GEICO $2,099 4 Nationwide $2,429 5 Progressive $2,521 6 Allstate $2,857 7 Farmers $3,117 8 USAA $1,799
Ford insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage