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Key Takeaways

  • If you already have auto insurance coverage, compare rates using your current policy limits and deductibles. That way, you'll know if you're already getting a decent deal. Your current company may already offer the most affordable Ford auto insurance, but the only way to find out is to look around.
  • The cost of automobile insurance might vary depending on a variety of criteria such as location, age, and driving history.

Ford Stats

Through a cooperation with Insurtech Metro mile, Ford began selling pay-per-mile auto insurance (also known as Usage-Based Insurance, or UBI) in 2020.

Introduction to Ford Insurance

If you're a Ford fanatic or are thinking about buying one, you might be wondering how much it will cost to insure your Ford. In the United States, comprehensive coverage costs an average of $1,674 per year.

Insurance premiums, on the other hand, are influenced by demographic characteristics such as age, gender, and region, as well as personal criteria such as your claims history, coverage needs, and vehicle type.

As a result, all of these factors are likely to have an impact on the annual cost of auto insurance coverage. Car insurance companies calculate premiums differently, so the make and model of your vehicle may have an impact on the cost of your coverage.

Consider the following average cost differences based on your specific Ford model, before deciding which insurance carrier is suitable for you.

History of Ford

Ford Motor Company was founded in 1903 by Henry Ford and 11 associate investors as an American automobile manufacturer. The firm was reincorporated in 1919, giving Ford, his wife, Clara, and their son, Edsel, complete ownership; they, their heirs, and the Ford Foundation (founded 1936) were the sole stakeholders until January 1956, when the common stock was first offered for public sale.

Automobile parts and accessories, as well as passenger automobiles and trucks, are produced by the company. Dearborn, Michigan is where the company's headquarters are located.

How much is Ford Insurance?

According to our research, the Ford Escape is the most affordable Ford vehicle to insure, costing an average of $1,812 per year for a 30-year-old male. The Ford Mustang is the costliest Ford model in our group to insure, costing an average of $2,710 per year.

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Ford Insurance Cost by Model

Insuring an older Ford Mustang is usually less expensive. This is because comprehensive and collision insurance become less expensive as a car's value depreciates.

The average cost of auto insurance for a 2005 Ford Mustang is $1,163, while a 2020 model is $1,797. That's a $634 difference every year.

Depending on the model year, different insurers may offer cheaper coverage. At $1,555 per year, USAA is the lowest insurance company for a 2020 Ford Mustang.

Rank Model Average Annual Premium
1 Escape $1,824
2 Edge $1,919
3 Fiesta $1,934
4 Explorer $2,030
5 F-150 $2,034
6 Focus $2,153
7 Fusion $2,179
8 Mustang $2,722

Factors Affecting Ford Insurance Cost

Because insurance companies generally base their prices on local, state, or national data, a vehicle that is less likely to be involved in a claim may be less expensive to insure. Ford is noted for having a number of safety features that help to reduce the chances of a serious accident:

BLIS: For decades, blind spots have been a cause of major car accidents. BLIS (Blind Spot Information System) is a system that detects prospective automobiles in blind spots and alerts the driver, allowing them to safely change lanes or enter a roadway.

Lane-Keeping System: Sideswiping another vehicle is another prevalent cause of car accidents. Ford uses a Lane-Keeping System to prevent sideswipe accidents by alerting drivers when they have drifted too far from the center of their respective lane

Rear-end collisions: These are another prevalent sort of car accident that requires evasive steering assistance. When a car ahead of you abruptly slows or stops, Ford's Evasive Steering Assist technology alerts the driver and provides steering support for smooth handling.

Cheapest Car Insurance Companies for Ford Escape

One of the most affordable Ford vehicles to insure is the Escape. The average annual pricing for Ford Escape insurance among top carriers ranges from $1,085 to $1,3865 for full coverage and $356 to $462 for minimal coverage (by market share).

The following companies provide rates for Ford Escapes that are lower than the national average, starting at $1,442 a year for complete coverage. USAA is the cheapest option for Ford Escape drivers among the best vehicle insurance companies, based on stated quotes. However, because precise rates vary per driver, your fare may differ from the averages provided.

Car Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $362 $1,085
State Farm $468 $1,325
Erie $442 $1,191
Amica $408 $1,183

Cheapest Car Insurance Companies for Ford Explorer

The Ford Explorer is one of the best-selling SUVs in the company's lineup. At $1,536 per year for full coverage, the Explorer, which starts at $32,925 MSRP, is good value.

Full coverage insurance policies cost between $1,134 and $1,371 per year, while basic coverage policies cost between $353 and $438 per year.

The lowest vehicle insurance companies for the Ford Explorer are USAA and Erie, as shown in the table below, albeit these providers are not available to all drivers or in all states.

Car Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $368 $1,192
State Farm $450 $1,383
Erie $365 $1,146
Amica $391 $1,259

Cheapest Car Insurance Companies for Ford F-150

J.D. Power named the Ford F-150 the most popular pickup vehicle in 2019. The cost of Ford F-150 insurance varies depending on which auto insurance company you choose, but it is one of the most affordable vehicles to insure, with an annual price of $1,442 for full coverage.

Car Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $345 $1,071
State Farm $468 $1,312
Erie $442 $1,305
Amica $408 $1,132

Cheapest Car Insurance Companies for Ford Mustang

Although Ford Mustangs are considered cheap sports cars, you should ask yourself, "How much does insurance for a Mustang cost?" before purchasing one.   Mustang insurance, as expected, is more expensive than other Ford models, costing an average of $2,200 per year for full coverage. Full coverage policies range from $1,315 on the low end to $1,963 on the high end from the largest, cheapest providers by market share.

Minimum coverage insurance is less expensive, ranging between $301 and $479.

Car Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $301 $1,661
State Farm $479 $1,693
Erie $363 $1,315
Amica $357 $1,658

Ford Edge Insurance Cost (for 18 and 30-year-old)

The Ford Edge is the second-most affordable car we looked at. The average cost of insurance for a 30-year-old male is $1,919 per year, according to our research. Teenage drivers may expect to spend more, with an average annual cost of $4,346 for a Ford Edge for an 18-year-old.

 Year and Model Annual cost for a 30-year-old Annual cost for an 18-year-old
2020 Ford Edge $2,070 $4,700
2019 Ford Edge $2,003 $4,546
2018 Ford Edge $1,919 $4,338
2017 Ford Edge $1,826 $4,119
2016 Ford Edge $1,779 $4,029
Average $1,919 $4,346

Ford Escape Insurance Cost (for 18 and 30-year-old)

The Ford Escape offers the cheapest insurance rates out of the eight models we analyzed, with an average cost of $1,824 per year for our sample driver. This equates to $163 a month. An 18-year-old's insurance costs $4,175 per year, which is more than double that of a 30-year-old.

Year and Model Annual cost for a 30-year-old Annual cost for an 18-year-old
2020 Ford Edge $1,969 $4,538
2019 Ford Edge $1,861 $4,728
2018 Ford Edge $1,868 $4,258
2017 Ford Edge $1,752 $4,002
2016 Ford Edge $1,671 $3,799
Average $1,824 $4,175

Ford Explorer Insurance Cost (for 18 and 30-year-old)

The cost to insure a Ford Explorer had a range of $386 across the five model years we analyzed. The average cost to insure a Ford Explorer for a 30-year-old is $2,030 per year.

For an 18-year-old, the Ford Explorer has an average insurance cost of $4,646 per year.

Year and Model Annual cost for a 30-year-old Annual cost for an 18-year-old
2020 Ford Explorer $2,229 $5,116
2019 Ford Explorer $2,100 $4,820
2018 Ford Explorer $2,057 $4,709
2017 Ford Explorer $1,912 $4,355
2016 Ford Explorer $1,849 $4,231
Average $2,030 $4,646

Ford F-150 Insurance Cost (for 18 and 30-year-old)

According to our research, the average cost of insuring a Ford F-150 for a 30-year-old driver is $2,034 per year.

While earlier model years typically have the lowest insurance rates, this was not the case this year, as the 2017 Ford F-150 is the second most expensive model year to insure. Across the five model years, the average cost of insurance for an 18-year-old is $5,471.

Year and Model Annual cost for a 30-year-old Annual cost for an 18-year-old
2020 Ford F-150 $2,141 $4,819
2019 Ford F-150 $1,089 $4,868
2018 Ford F-150 $1,972 $4,400
2017 Ford F-150 $2,028 $4,552
2016 Ford F-150 $1,936 $4,347
Average $2,034 $5,471

Ford Fiesta Insurance Cost (for 18 and 30-year-old)

According to our research, the Ford Fiesta auto insurance cost for a 30-year-old driver is $1,934 per year.

While earlier model years typically have the lowest insurance rates, this was not the case this year, as the 2017 Ford Fiesta is the second most expensive model year to insure. Across the five model years, the average cost of insurance for an 18-year-old is $4,501.

Year and Model Annual cost for a 30-year-old Annual cost for an 18-year-old
2020 Ford Fiesta $2,066 $4,837
2019 Ford Fiesta $1,987 $4,640
2018 Ford Fiesta $1,909 $4,408
2017 Ford Fiesta $1,857 $4,317
2016 Ford Fiesta $1,850 $4,027
Average $1,943 $4,501

Ford Fusion Insurance Cost (for 18 and 30-year-old)

Insuring a Ford Fusion is slightly more expensive than insuring a Ford Focus. For our 30-year-old sample driver, the average cost of insurance for a Ford Fusion is $2,179 per year. This equates to $193  a month. Teenagers should expect to pay more than double that since the average annual cost of insuring a Ford Fusion for an 18-year-old is $5,024.

Year and Model Annual cost for a 30-year-old Annual cost for an 18-year-old
2020 Ford Fusion $2,387 $5,537
2019 Ford Fusion $2,277 $5,274
2018 Ford Fusion $2,159 $4,962
2017 Ford Fusion $2,067 $4,751
2016 Ford Fusion $2,005 $4,586
Average $2,179 $5,042

Ford Mustang Insurance Cost (for 18 and 30-year-old)

According to our research, a Ford Mustang costs $2,722 per year to insure for a 30-year-old and $6,394 for an 18-year-old. With these rates, the Ford Mustang is the costliest Ford car to insure out of the eight we looked at.

Year and Model Annual cost for a 30-year-old Annual cost for an 18-year-old
2020 Ford Mustang $3,089 $2,792
2019 Ford Mustang $2,871 $6,731
2018 Ford Mustang $2,785 $6,555
2017 Ford Mustang $2,507 $5,909
2016 Ford Mustang $2,356 $5,481
Average $2,722 $6,394

Is Ford Car Insurance Expensive?

In terms of price, most Ford models are in the middle of the pack – and this certainly applies to car insurance as well. The annual cost of car insurance for a Ford is $1,742 (about $156 per month).

Ford Car Insurance Cost v/s Other Brands

Automotive Brand Insurance Cost Difference
Ford $1549 -
Acura $1770 $221↑
Audi $2085 $548↑
BMW $2111 $574↑
Cadillac $1663 $126↑
Chevrolet $1550 $13↑
Dodge $2019 $482↑
Genesis $1839 $302↑
GMC $1648 $111↑
Honda $1466 $-95↓
Hyundai $1539 $-22↓
Infiniti $1935 $398↑
Jeep $1683 $146↑
Kia $1523 $38↑
Lexus $1824 $287↑
Lincoln $1718 $281↑
Mazda $1411 $150↑
Mercedeez Benz $2124 $587↑
Mitsubishi $1624 $87↑
Nissan $1620 $83↑
Ram $1676 $139↑
Subaru $1464 $-97↓
Tesla $1974 $437↑
Toyota $1552 $15↑
Volkswagen $1492 $-69↓
Volvo $1576 $-129↓

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Ford Insure

Ford drivers can get coverage for their vehicles through the Ford company's Ford Insure usage-based insurance scheme. The manufacturer offers Nationwide-underwritten insurance that uses connected vehicle data to provide discounts for responsible driving.

Definition

Ford Insure is offered to owners of eligible vehicles manufactured after the year 2020. Enrolling drivers receive a 10% discount, and after a four- to six-month trial period, drivers earn a discount of up to 40%. The concept is comparable to the Smart Ride program offered by Nationwide.

Pros and Cons of Insuring with Ford Insurance

Pros Cons
Owners of models 2020 and later are eligible. Except for Oklahoma, Alaska, and Massachusetts, every state can avail of it.
Upon enrolment, you will receive a 10% discount, and after 4-6 months, you will receive a 40% discount. Discounts are limited to models other than the 2020 F-150 and Fusion Plug-in Hybrid

Ford Features that Impact Insurance Cost

Certain features of owning a Ford can affect your insurance premiums; therefore, drivers should be aware of this:

Price of parts: The typical cost of repairs for a car is always a consideration when an insurance company pays out a claim. Your insurance rate will almost certainly be greater if your car requires expensive repairs owing to imported or hard-to-find parts than a vehicle that is easier and less expensive to fix. Fords are widely used in the United States, with the Ford F-150 being the best-selling vehicle for more than 40 years. Mechanics can typically locate the parts required for repairs.

Safety features: As technology advances, vehicle safety features in all Ford vehicles are becoming more advanced. Emergency braking, automatic high lights, blind-spot monitoring, adaptive cruise control, and evasive steering may be available depending on the year and model of your Ford. If the features have been statistically proved to prevent accidents, you may find that a vehicle with top safety features has a lower auto insurance price.

BLIS

For decades, blind spots have been a cause of serious car accidents. BLIS (Blind Spot Information System) is a system that detects prospective automobiles in blind spots and alerts the driver, allowing them to safely change lanes or enter a roadway.

Lane Keeping System

Sideswiping another vehicle is another prevalent cause of car accidents. Ford uses a Lane-Keeping System to assist in preventing sideswipe accidents by alerting drivers when they have drifted too far from the center of their lane.

Evasive Steering Assist

When it comes to car accidents, rear-end collisions are a typical occurrence. When a car ahead of you abruptly slows or stops, Ford's Evasive Steering Assist technology alerts the driver and provides steering support for smooth handling.

Other Car Insurance coverage's by Ford

Almost all states require Ford owners to get car insurance. States that need car insurance often have a minimum coverage requirement that includes liability insurance and, in some cases, uninsured/underinsured motorist coverage. You may also be obliged to carry personal injury protection if you live in a no-fault state (PIP).

If your car is financed or leased, however, minimum coverage insurance may not provide appropriate coverage or may not be a choice. If you own a Ford, you should consider upgrading to a full coverage policy that includes collision and comprehensive coverage to safeguard your car in the case of an accident. Your lender may demand you carry these coverages if your Ford is financed or leased.

How to Get Ford Insurance with Way.com?

After completing an easy online form, Way.com compiles dozens of auto insurance quotes in one place for you to choose and compare. Way.com can aid you in transferring over to your Ford auto insurance once you've chosen a quotation.

All of the quotations offered are actual pricing comparisons to any of the auto insurance companies with which we work. In order to provide you with a quote, our linked auto insurance companies and we would use the same driver and vehicle information.

Ford Insurance Rate by Model

  • Ford Escape
  • Ford F-150
  • Ford Explorer
  • Ford Focus
  • Ford Taurus
  • Ford Mustang Eco Boost
  • Ford Mustang
  • Ford Mustang Mach

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

Are Fords more expensive to insure?

Auto insurance for Ford drivers costs an average of $1,297 per year, which is comparatively low when compared to other automobile brands.

What is Ford preferred insurance?

Ford Preferred Insurance is the product of a collaboration between Ford dealerships and major insurance firms to offer NEAR CASHLESS service to all Ford customers in the United States.

Is the Ford Focus expensive to insure?

A Ford Focus is inexpensive to insure. Insurance costs for the vehicle are slightly lower than the average rate across all models. The Ford Focus has an annual cost of $1,759, which is around $180 less than the national average.

Which is the cheapest company to insure Ford?

Way.com, USAA, State Farm, Erie, and Amica are some of the cheapest companies to insure Ford.

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