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Cheapest Ford Car Insurance (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Ford car insurance cost? 

Since its inception in 1903, Ford Motor Company has served as a symbol of American ingenuity and manufacturing excellence. Whether you're in the market for a rugged truck, a dependable sedan, a versatile SUV, or a sleek sports car, Ford offers a diverse range of models tailored to any driver’s needs.
On average, Ford drivers pay $1,104 each year for
auto insurance
, but it’s important to note that every Ford car insurance policy is unique to individual circumstances. Factors such as your Ford’s model year, model type, and personal driving history all influence your Ford insurance cost. Thus, there is no such thing as an “average”
auto insurance quote
.

How to find the cheapest Ford Car Insurance Quotes

Fortunately, Jerry is here to help you find personalized quotes that align with your coverage needs and budget. Thanks to Jerry’s expertise and end-to-end support, Ford drivers save an average of $2,365 on their auto insurance costs!
Take a look at the table below to see Jerry’s selection of car insurance quotes for popular Ford models.
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
November 25, 2023
Ford Focus SEClearcover
$282
• State Minimum Liability
• Comp / Collision
November 25, 2023
Ford Escape SESafeco
$93
• 100,000/300,000 Liability
• Comp / Collision
November 25, 2023
Ford Escape SEAAA
$79
• 50,000/100,000 Liability
• Comp / Collision
November 21, 2023
Ford Fusion SMercury
$173
• 50,000/100,000 Liability
• Comp / Collision
November 19, 2023
Ford Fusion SEAllstate
$172
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 25, 2023

Best car insurance companies for Ford drivers

A key consideration when
shopping for car insurance
is to find a provider that aligns with both your needs and your vehicle’s requirements. 
There isn't a universally acclaimed “best” insurance company for Ford drivers, as your ideal match depends on factors like driving and insurance history, geographical location, age, and the specific vehicle you drive. Thankfully, Jerry conducted an extensive nationwide survey to guide drivers toward personalized insurance coverage. 

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
So far everything is good
George
National General
I love this insurance!
Heather
National General
Very happy with National Generals service. Was skeptical at first but they are great!
Jessica
National General
They quoted me an excellent price for car insurance after I had been a non driver and non insured person for 13 years.
Max

Are Fords more expensive to insure?

On average, Ford insurance premiums are 4% less compared to the average cost of other cars.
Ford insurance costs can vary greatly depending on the specific model you drive. Moreover, costs are heavily influenced by the vehicle’s risk factors such as safety ratings, repair costs, likelihood of theft, value, and age. 
For example, a Ford with expensive repair costs and poor safety ratings will likely be cheaper to insure than another vehicle in the same price range that has excellent safety ratings and low repair costs. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Ford
$92
$170
Lincoln
$94
$191
Honda
$95
$169
Dodge
$95
$189
Lexus
$97
$194

Cheapest Fords to insure

Among Ford models, the most affordable one to insure is the 2019 Ford Edge. On average, state minimum coverage comes with a monthly premium of $42, while full coverage costs $168.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$42
$168
$52
$146
$58
$164
$58
$260
$59
$152
If cost-saving is your top priority, some Ford models are typically associated with lower insurance costs. Models such as the Ford Escape, Bronco, and Edge often come with lower premiums thanks to their robust safety features and reasonable repair costs.
In addition to excellent safety ratings and affordable repairs, several other factors contribute to cheaper Ford insurance:
  • Smaller and less powerful engine options
  • Vehicle type (family sedans and minivans tend to have lower insurance costs)
  • Anti-theft features
  • Vehicle value and replacement costs

Most expensive Fords to insure

The 2014 Ford F350 stands as the most expensive Ford model to insure, with an average monthly premium of $181 for state minimum coverage and $270 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$181
$270
$165
$199
$158
$184
$145
$166
$145
$199
Powerful and sleek Ford models such as the Mustang GT and F-150 Raptor often come with higher insurance costs due to expensive repairs, increased accident risk related to speeding, and their appeal to thieves. Newer Ford models with advanced technology and luxury features also tend to have higher insurance premiums due to their overall higher value. 
Moreover, despite their impressive safety features, larger Ford vehicles such as SUVs and trucks can lead to higher insurance rates as they have the potential to cause more damage in accidents, resulting in increased liability costs. Examples of larger Ford models that may come with higher insurance costs include the Ford Expedition and Ford F-350.
Remember, when determining car insurance costs, your driving history, location, and other personal details play a significant role. Don’t settle for just average rates—discover the best coverage by shopping for personalized insurance quotes. 

What factors affect Ford car insurance rates?

Several factors impact how
car insurance rates are calculated
, including:
  • Vehicle cost: Luxury, high-performance, and sports cars generally have higher collision and comprehensive coverage costs.
  • Vehicle age: Newer models often come with higher insurance rates due to advanced tech and higher value.
  • Cost of parts: Expensive or rarer models can lead to increased replacement and repair costs, posing a higher risk for insurance companies.
  • Your age: Drivers under the age of 25 and senior drivers above the age of 70 may face higher insurance rates due to limited driving experience or potential health-related concerns, respectively.
  • Driving record and claims history: A clean driving record usually results in lower insurance rates, while a history of accidents, tickets, and violations may lead to higher rates.
  • Vehicle location: Insurance costs vary depending on where your car is kept, as factors such as road conditions, population density, and theft rates differ across states and cities.
Here are a few specific factors that impact auto insurance rates for Ford:
  • Domestic production: The majority of Ford vehicles are manufactured in the U.S., which often means lower replacement costs compared to imported models. 
  • Safety: Ford is known for introducing innovative and advanced safety features into their vehicles, which have performed generally well in safety tests.
  • Reliability: Ford vehicles are built to last and withstand tough conditions, which can result in a lower rate of claims as they experience fewer breakdowns and durability issues.
  • Availability: As one of the most popular brands in the nation, Ford parts are readily available and often less expensive than parts for less popular brands. This can contribute to lower repair costs in the event of a claim, thereby keeping insurance premiums more affordable.
  • Performance: Some Ford models, such as the Mustang, are performance-oriented. Performance vehicles might attract more aggressive driving and thus potentially higher insurance rates due to increased risk of accidents.

Ford insurance cost for young drivers

Insurance rates for
teen drivers
aged 16 to 19 are often the highest among all age groups. For young car owners, particularly those with their own Mustang, having full coverage offers a vital safety net as they venture out onto the open road. Given their higher accident rates, adding comprehensive and collision coverage will help protect both the driver and their beloved Ford.

Jeffrey (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$196
per month
Eugene (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$179
per month
Edward (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$263
per month
Nell (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$197
per month
Erik (24 years old)
coverageCoverage
State Minimum
carFord F150 Supercrew
$94
per month

Ford insurance cost for senior drivers

As you enter your mid-70s, car insurance expenses start to increase. Higher
car insurance rates for seniors
are due to:
  • Decline in reflexes and reaction times
  • Age-related health conditions affecting driving abilities
  • Higher accident risk
  • Increased likelihood of severe injuries
  • Greater medical expenses for injuries
By understanding these factors, seniors can take proactive steps to explore their insurance, including seeking eligibility for insurance program discounts and taking additional safety measures. 

Bernard (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$104
per month
Virgie (76 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$118
per month
Samuel (65 years old)
coverageCoverage
State Minimum
$81
per month
Keith (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$167
per month
Cody (76 years old)
coverageCoverage
State Minimum
$123
per month

Ford insurance cost for drivers with driving violations 

Insurance rates for Ford vehicles also adjust to your driving record. If you are a Ford driver with no infractions or at-fault accidents, you'll likely enjoy the lowest rates. However, any of the following violations within the last three to five years could cause a surcharge on your coverage:
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Ford drivers with speeding ticket

A single ticket for exceeding the speed limit by less than five miles per hour might not significantly alter your Ford insurance premiums. Frequent tickets or a single serious speeding violation, however, could lead to a steep increase in your rates. Fortunately, Jerry is committed to helping Ford drivers with all types of speeding tickets save on car insurance.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Ford Fusion SEProgressive
$104
• State Minimum Liability
Speeding 11-15
Ford Fusion SELAAA
$109
• 50,000/100,000 Liability
Speeding 6-10
Ford F150 SupercrewSafeco
$170
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Ford F150 SupercrewNationwide
$126
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Ford MustangTravelers
$313
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Nov 28, 2023

Cheapest car insurance for Ford drivers with a DUI record

Having a
DUI conviction
on your record can result in widely varying car insurance rates across different companies. If you have a DUI, it’s best to compare rates from a range of insurance providers to find the most affordable options. Jerry has successfully guided many Ford drivers in finding affordable auto insurance following a DUI conviction.

Alejandro (30 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$206
per month
Francis (40 years old)
DUI
coverageCoverage
State Minimum
$160
per month
Anne (29 years old)
DUI
coverageCoverage
State Minimum
$127
per month
Carlos (45 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$157
per month
Glen (56 years old)
DUI
coverageCoverage
State Minimum
carFord F150 Supercrew
$83
per month

Cheapest car insurance for Ford drivers after an accident

Finding affordable car insurance specifically for Ford drivers after an accident can be a daunting task. Even a single at-fault incident added to your record can cause your premiums to shoot up when it comes time to renew your policy. 
While Ford vehicles have earned a reputation for their reliability, they aren’t immune to damages resulting from collisions. Rest assured, Jerry is here to help you find cheap car insurance to suit your needs while providing peace of mind when you’re out on the road.  

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With No Injury
Ford Fusion TitaniumProgressive
$331
• State Minimum Liability
• Comp / Collision
At Fault With Injury
Ford Focus TitaniumAllstate
$220
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Ford F150 SupercrewSafeco
$221
• State Minimum Liability
• Comp / Collision
Not At Fault
Ford Five Hundred SELAAA
$254
• State Minimum Liability
At Fault With No Injury
Ford Focus STClearcover
$76
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 28, 2023

Cheapest car insurance for Ford drivers with other driving violations on their record

Beyond typical speeding tickets and DUIs, violations such as reckless driving and
driving on a suspended license
can also drive up insurance costs. 
Fortunately, personalized car insurance extends beyond just safe drivers. Below, you'll find a compilation of Ford drivers who have successfully lowered their insurance premiums with Jerry's help, even after racking up driving violations.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Ford Escape XLTProgressive
$136
• 25,000/50,000 Liability
Defective Equipment
Ford Fusion SE HybridSafeco
$156
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Ford Econoline E250 VANAAA
$161
• State Minimum Liability
Wrong Way/Wrong Lane
Ford F150 Super CabTravelers
$150
• 50,000/100,000 Liability
• Comp / Collision
Cell Phone
Ford Explorer XLSNational General
$202
• State Minimum Liability
Careless Driving
Ford MustangInfinity
$233
• State Minimum Liability
Driving on Sus. License
Ford Ranger Super CabAllstate
$261
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Ford Focus SEState Auto
$306
• State Minimum Liability
• Comp / Collision
Seat Belt
Ford F150 SupercrewAAA
$152
• 100,000/300,000 Liability
• Comp / Collision
Improper Passing
Ford Fusion SEBristol West
$354
• State Minimum Liability
coverageLast Updated Nov 28, 2023

How can I lower the cost of my Ford car insurance?

There’s no magic to savings, but a blend of smart decisions can reduce your Ford insurance costs. Here’s how to tread the path of savings.
  • Compare quotes: Take the time to
    shop for insurance coverage
    . Jerry allows you to compare quotes from over 50 leading insurance companies to find coverage that fits your budget. All you need is 5 minutes to sign up.
  • Shop wisely: When buying a new Ford, do your model research. Vehicles with high safety ratings, such as the Ford Escape or Ford Edge, are typically less expensive to insure compared to high-performance models like the Mustang. 
  • Bundle and save: If you're juggling multiple insurance policies, consider bundling them with the same company. A
    home and auto insurance bundle
    , for example, can lead to substantial savings. 
  • Use Ford’s Co-Pilot360: Ford's advanced driver-assist technology, Co-Pilot360, not only makes your journey safer but could also lower your insurance rates. 
  • Check for discounts: Most insurance companies offer a range of
    car insurance discounts
    , but eligibility can vary—see what you qualify for with your current insurer!
  • Trim coverages: If your Ford has seen a lot of highways or off-roading trails, consider
    reducing your coverage
    . If your car's value is less than 10 times the premium you're paying, you might be overinsured.
  • Boost your deductible: Consider raising your deductible—the amount you pay in an insurance claim before your coverage steps in. This simple tweak can lead to lower monthly insurance payments, leaving more money in your pocket for your next road trip!
Additionally, while it won’t drop your insurance rates, the FordPass app can potentially save you money. Some of the features on the free app include:
  • Fuel rewards: Earn discounts on fuel purchases.
  • Maintenance alerts: Address maintenance needs early to prevent costly repairs.
  • Parking assistance: Find and reserve spots to potentially save on fees.
  • Remote vehicle controls: Reduce idling and save on fuel.
  • FordPass Rewards: Earn points for discounts on future purchases or services.

FAQs

The cost to insure a Ford vehicle varies based on many factors including the model type, the driver’s history, and other key demographics. 
Some models, like the Ford F-150, are generally cheaper due to safety features and lower repair costs. Other models, like the high-performance Ford Mustang Mach-E, can be more expensive to insure due to a higher risk of accidents and costlier repairs. 
Several factors can affect car insurance costs for your Ford vehicle. A few key factors include:
  • Specific car model
  • Vehicle age
  • Safety features
  • Repair costs
  • Theft risk
Your personal details such as your age, driving history, and where you live can also impact insurance premiums.
In its final model year before retirement, the base 2018 Ford Focus S sedan had an MSRP of around $19,000.
Today, a used Ford Focus can range in price from $2,000 to $40,000. Keep in mind that the exact price you will pay for a Ford Focus depends on several key factors:
  • Age and mileage
  • Condition and vehicle maintenance history
  • Trim, features, and other add-ons
  • Body style (sedan or hatchback)
  • Demand and availability
  • Location
  • Market trends
Why is your insurance for the Ford Fusion so high? There are several contributing factors to consider:
  • Hybrid model: Being a hybrid vehicle, the Ford Fusion is generally more expensive to insure compared to strictly fuel-powered cars. The unique technology of hybrid models can lead to higher repair and replacement costs, influencing insurance rates.
  • Higher claim amounts: Collision and property damage claims for the Ford Fusion tend to have higher costs compared to the average vehicle, resulting in increased premiums.
  • Size: The Fusion's larger size makes it more likely to cause significant damage in an accident. Insurance providers take this into account when determining premiums, resulting in higher insurance rates.
These are just a few vehicle-specific factors affecting insurance rates. Individual circumstances and your specific insurance provider also impact your final premium.
While the Ford Focus is generally considered a compact and economical vehicle, some models are more expensive to insure. Some variants, such as the Focus ST or RS, with their higher power output, may be associated with a greater risk of accidents. 
Additionally, factors like higher-than-average repair costs or a higher likelihood of theft can impact insurance premiums for certain models of the Ford Focus.
While an F-450 can be used as a personal vehicle, it is often employed for commercial purposes due to its towing and hauling capabilities.
If you use your F-450 for business-related activities such as towing or transporting goods, then
commercial vehicle insurance
is generally required. However, if it is primarily utilized as a personal vehicle, a standard auto insurance policy is likely to be sufficient.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.