Ford F-250 Insurance in Maryland
Rates from $62 – $104/mo minimum coverage, $220 – $366/mo full coverage. Compare top MD carriers below.
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Updated June 2026 · Source: Maryland DOI + IQ rate model
Average monthly premium — 2024 Ford F-250, Maryland
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Ford F-250 drivers in Maryland
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Ford F-250 insurance costs what it does in Maryland
Keeps liability premiums near the baseline for this class.
No theft-rank surcharge on comprehensive premium.
High parts and labor costs raise collision premiums materially.
Maryland requires 30/60/15 liability + 30/60 UM + $2,500 PIP. Among the highest minimum-coverage requirements in the US, which pushes the floor on premiums. Baltimore + DC suburban traffic density elevates claim frequency.
Frequently asked questions
01How much is Ford F-250 insurance in Maryland?
Maryland drivers of a 2024 Ford F-250 pay about $220 – $366 per month for full coverage, or roughly $62 – $104 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed F-250?
Yes. If your F-250 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Maryland law itself only requires the state liability minimums (30/60/15 plus 30/60 UM + $2,500 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a F-250 in Maryland?
Cheapest varies by driver profile, but in Maryland the major carriers most often quoting the lowest premiums for a F-250 are GEICO, Progressive, and State Farm. Regional carriers (Erie and Travelers) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is insurance more expensive for a truck like the F-250 in Maryland?
Slightly. Trucks like the F-250 typically carry 8-15% higher full-coverage premiums than mainstream sedans because of higher repair costs and higher claim severity in collisions. Maryland's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Maryland require SR-22 after a DUI for a F-250?
After a DUI, Maryland requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a F-250 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.