About $1,148 a year for full coverage on a national average — 20% less than the $1,438 average car. Insurers rate the Ford F-350 at an index of 80 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly across the Ford F-350: Property damage — damage you cause to other property — carries its highest loss index at 135, while Medical payments sits at 48. Those 87 points are the real reason behind the price, and they are the part a quote form never shows you. Among 22 pickups we hold data for, the F-350 ranks #2 from cheapest, below the class median of 95. Against what the car is worth the bill looks different again: a 2026 F-350 sells for a median $74,425, so a year of cover costs 1.5% of the car's value. Over 19 generations of data the index has fallen from 137 (2004-2006) to 80 (2022-2024). Calculated from 66 insurance-loss records and live US listing prices.
Why a F-350 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,148: Liability (BI + PD) $551 · Collision $321 · Comprehensive $138 · Other (UM / PIP) $138.
The F-350 against its class
Every pickups we hold insurance data for, cheapest to insure first. The F-350 is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Pickups), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 95, roughly $1,368 a year.
How it changed by generation
Insurance-loss index of the F-350 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The F-350 has become cheaper to insure over time (-57 points).
What a F-350 costs by state
Where you park matters as much as what you drive. The F-350's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | F-350 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Ford F-350's loss index of 80 — your own quote also depends on age, record, deductible and ZIP.
Ford F-350 insurance — frequently asked
How much is insurance for a Ford F-350?
About $1,148 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 80 applied to the US average premium.
Why is the F-350 expensive or cheap to insure?
For the Ford F-350 the costliest area is Property damage at an index of 135, covering damage you cause to other property — against 48 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Ford F-350 lands at 80, not at what it costs new.
Is the F-350 cheaper to insure than rivals?
It ranks #2 of 22 in the pickups class, where the median index is 95 against this car's 80. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 1.5% of what a 2026 F-350 sells for — $1,148 against a median price of $74,425. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 1.5% the F-350 sits on the cheap side of it.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same F-350 can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.