Insurance F250 vs F350

Vigilance247

Silverback
Joined
Mar 30, 2020
Messages
279
Reaction Points
499
Location
RGV Texas
Military
USN
Current Ride
2021 F-250 6.7 "Silverback"
Current Ride #2
2015 Corvette Z51
This is my first time getting insurance quotes for a Super Duty.

I called GEICO and gave them vin numbers that I found online at Ford dealer ships.

I was able to find an F250 Tremor but not an F350 Tremor.

The closest was an F350 FX4 spec’d identical to the F250 minus the Tremor package.

Since there are so many variables involved with insurance (individual driving record, location, age, etc...) I think the best thing to do is just state the difference between the two quotes.

Both trucks were quoted on the same 6 month policy and the F350 was $470 more than the F250.

I expected the F350 to be higher because the MSRP is higher but $470 more really surprised me.
 

tom b

Tremor Buff
Joined
Feb 9, 2020
Messages
95
Reaction Points
97
Location
Maryland & Delaware
Current Ride
20' F-350 6.7 Tremor
This is my first time getting insurance quotes for a Super Duty.

I called GEICO and gave them vin numbers that I found online at Ford dealer ships.

I was able to find an F250 Tremor but not an F350 Tremor.

The closest was an F350 FX4 spec’d identical to the F250 minus the Tremor package.

Since there are so many variables involved with insurance (individual driving record, location, age, etc...) I think the best thing to do is just state the difference between the two quotes.

Both trucks were quoted on the same 6 month policy and the F350 was $470 more than the F250.

I expected the F350 to be higher because the MSRP is higher but $470 more really surprised me.

I have a 18' 250 platinum, a 19' 450 and 20' tremor 350, insured with Travelers, same coverages and the prices are within $75/yr. All listed as "pleasure vehicles".
 
OP
Vigilance247

Vigilance247

Silverback
Joined
Mar 30, 2020
Messages
279
Reaction Points
499
Location
RGV Texas
Military
USN
Current Ride
2021 F-250 6.7 "Silverback"
Current Ride #2
2015 Corvette Z51
I have a 18' 250 platinum, a 19' 450 and 20' tremor 350, insured with Travelers, same coverages and the prices are within $75/yr. All listed as "pleasure vehicles".
Ok! I see my mistake. My quote was for 15k miles a year going to and from work. I will try changing it to pleasure. Thanks!
 

tom b

Tremor Buff
Joined
Feb 9, 2020
Messages
95
Reaction Points
97
Location
Maryland & Delaware
Current Ride
20' F-350 6.7 Tremor
Ok! I see my mistake. My quote was for 15k miles a year going to and from work. I will try changing it to pleasure. Thanks!

You could do that, But I needed to prove that I have a company vehicle that was used to commute. But Travelers already knew that because my business insurance is also with them.
 
OP
Vigilance247

Vigilance247

Silverback
Joined
Mar 30, 2020
Messages
279
Reaction Points
499
Location
RGV Texas
Military
USN
Current Ride
2021 F-250 6.7 "Silverback"
Current Ride #2
2015 Corvette Z51
You could do that, But I needed to prove that I have a company vehicle that was used to commute. But Travelers already knew that because my business insurance is also with them.
I can commute in my car. It’s been my daily driver for 5 years and still runs like new.
 

abill

Tremor Fiend
Joined
Jan 16, 2020
Messages
268
Reaction Points
262
Location
Texas
Current Ride
2020 F250 Tremor
I was just quoted about $950 on a 6mo policy through TFB. I was FLOORED! I told them to lower it or else I would be shopping around. Oh, and that was on a F250, go figure
 

PapaRaptor

Founding Member
Joined
Jan 22, 2020
Messages
2,733
Reaction Points
4,651
Location
USA
Current Ride
6.7 F350 Tremor "Velocity" Blue Lariat Sport
Current Ride #2
7.3 "Godzilla" F350 Dually "Iconic silver" 4x4
The insurance companies must figure you will be hauling more and therefore the claims will be higher. Its all a gigantic math problem. You just need to change the input to the calculator to get a better bottom line.
 

abill

Tremor Fiend
Joined
Jan 16, 2020
Messages
268
Reaction Points
262
Location
Texas
Current Ride
2020 F250 Tremor
The insurance companies must figure you will be hauling more and therefore the claims will be higher. Its all a gigantic math problem. You just need to change the input to the calculator to get a better bottom line.

Thats what they were telling me "Its all an algorithm" I had to get quotes from other companies to prove that they were too high and that their algorithm SUCKED!
 
OP
Vigilance247

Vigilance247

Silverback
Joined
Mar 30, 2020
Messages
279
Reaction Points
499
Location
RGV Texas
Military
USN
Current Ride
2021 F-250 6.7 "Silverback"
Current Ride #2
2015 Corvette Z51
I was just quoted about $950 on a 6mo policy through TFB. I was FLOORED! I told them to lower it or else I would be shopping around. Oh, and that was on a F250, go figure
GEICO quoted me $863 on the F250. How does that compare to the other companies you checked?
 

abill

Tremor Fiend
Joined
Jan 16, 2020
Messages
268
Reaction Points
262
Location
Texas
Current Ride
2020 F250 Tremor
GEICO quoted me $863 on the F250. How does that compare to the other companies you checked?

State Farm was 640 for 6mo for the exact same coverage, also the 640 was w/o a companion policy discount so it would have been less than 600 if they had my homeowners.
 
OP
Vigilance247

Vigilance247

Silverback
Joined
Mar 30, 2020
Messages
279
Reaction Points
499
Location
RGV Texas
Military
USN
Current Ride
2021 F-250 6.7 "Silverback"
Current Ride #2
2015 Corvette Z51
$640 is much better! I’ll check out SF.
 

Chris21667

Stilling Recovering my Jeeps, with Tremor power
TOTM Winner
Joined
Jul 11, 2020
Messages
1,645
Reaction Points
1,820
Location
Southern Maryland
Military
Army
Current Ride
2020 F350 Tremor 6.7 Blue Jean - 2012 F150 5.0 - 2018 Ford Edge 2.0
Current Ride #2
00 and 99 Jeep XJ Inline 4.0L
$640 is much better! I’ll check out SF.
i was quoted $850 for 6 months for the F350 but i didn't check for a F250 but for my F150 i pay $106 a month for fully insurance but i told them i drive 2500 miles a month and i was like ok ... This is with Geico ... i also recently switched because USAA that i have had for 7 years or so decided with all the Covid shit they were going to raise my rates $100 a month .... so fuck them but i was paying $125 a month and $280 in total for 2 cars and then it was $376 is what they raised it to for both vehicles it is $106 and $109 for them and $50 for each jeep.

Interested in what you were quoted now, or if your rates went down with Covid or Raised ?
 

Red Forman

Tremor Fiend
Joined
May 28, 2020
Messages
232
Reaction Points
322
Location
Texas
I’ve got USAA and they quoted me only $6 more a month coming from a 2012 Maxima.
 
OP
Vigilance247

Vigilance247

Silverback
Joined
Mar 30, 2020
Messages
279
Reaction Points
499
Location
RGV Texas
Military
USN
Current Ride
2021 F-250 6.7 "Silverback"
Current Ride #2
2015 Corvette Z51
i was quoted $850 for 6 months for the F350 but i didn't check for a F250 but for my F150 i pay $106 a month for fully insurance but i told them i drive 2500 miles a month and i was like ok ... This is with Geico ... i also recently switched because USAA that i have had for 7 years or so decided with all the Covid shit they were going to raise my rates $100 a month .... so fuck them but i was paying $125 a month and $280 in total for 2 cars and then it was $376 is what they raised it to for both vehicles it is $106 and $109 for them and $50 for each jeep.

Interested in what you were quoted now, or if your rates went down with Covid or Raised ?

Yesterday, I did another quote for an F250 Tremor with a sticker price of $73k with GEICO and the price was $805 for 6 months. So, it went down about $50.
 

Ustank2

Tremor Buff
Joined
Apr 10, 2020
Messages
55
Reaction Points
41
Location
NE Florida
Current Ride
2020 F350 6.7 Platinum Tremor
Current Ride #2
1983 Trans Am
I got a check from State Farm for $3.38 because I was driving less, due to Covid. It helped a lot. Diesel here is $2.19 - $2.39
 

Chris21667

Stilling Recovering my Jeeps, with Tremor power
TOTM Winner
Joined
Jul 11, 2020
Messages
1,645
Reaction Points
1,820
Location
Southern Maryland
Military
Army
Current Ride
2020 F350 Tremor 6.7 Blue Jean - 2012 F150 5.0 - 2018 Ford Edge 2.0
Current Ride #2
00 and 99 Jeep XJ Inline 4.0L
I got a check from State Farm for $3.38 because I was driving less, due to Covid. It helped a lot. Diesel here is $2.19 - $2.39
When i joined Gecio they gave me $300 or so the first month i joined because of Covid which is funny, Diesel is anywhere from $2.10 to $2.59 but that what happens when you have 60 gas stations in a 10 mile radius
 

JC_Tremor

Toasty
Joined
May 30, 2020
Messages
981
Reaction Points
920
Location
Tejas
Military
USN
Current Ride
Focus ST
Yeah I have USAA, had them for nearly two decades, haven't had any issues with pricing except with windstorm in my state. But I have noticed an uptick in premium prices...I don't know what's going on but went homeowner's and hazard insurance shopping and am now saving a ton more.

As far as car insurance I lowered all my coverages to minimum and raise my deductibles and lowered the mileage per year on my "pleasure" vehicles and I think I'm paying 8$ more per month with the Tremor and two other paid off vehicles.
 

ECHO-24

Founding Member
Joined
Aug 1, 2020
Messages
304
Reaction Points
553
Location
Lakebay, Washington
Current Ride
2020 F350 Tremor
Current Ride #2
1973 Jeep CJ5
$980 a year for the F350 Tremor and and $1070 for my 2011 Subaru WRX..... and they say the Tremor is a restricted vehicle on my policy
 

bbrett

Founding Member
TOTM Winner
Joined
Jun 30, 2020
Messages
354
Reaction Points
573
Location
Camarillo, CA and Corona, CA
Current Ride
2020 Ford F250 Lariat Tremor
my 2020 F250 was actually about $200 cheaper for 6 months than my 2019 Ram 1500 Limited with the exact same coverage.
 
Ford Tremor Supporting Member Badge
Top