Best Car Insurance for Ford 2022

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Car Insurance for Ford

On average, Ford drivers pay ${annualpremium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A Focus Bev costs $1,715 less more per year to insure than a Ranger Supercrew.
Since its founding in the early 1900s, the Ford brand has helped develop vehicle manufacturing methods that are still used to this day. It has consistently ranked as one of the most popular automotive manufacturers in the world, thanks in part to its reliability, durability, and generally affordable price point.
When you need to insure your Ford, you’ll want to make sure you have the right car insurance.
If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
Here are some real quotes from Jerry customers who saved money when insuring their Ford.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
May 1, 2021Ford Edge TitaniumRichardson, TX7508022Allstate$222/mo.$62/mo.
July 5, 2021Ford Escape SHouston, TX7701650Progressive$276/mo.$102/mo.
May 18, 2021Ford Escape SELouisburg, NC2754944Progressive$300/mo.$112/mo.
September 4, 2021Ford Edge LimitedDayton, OH4540332National General$157/mo.$122/mo.
October 5, 2021Ford ExplorerPensacola, FL3250728Progressive$267/mo.$158/mo.
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Insurance for Ford models

Insurance premiums for Ford vehicles can vary substantially based on the age and specific model of the vehicle.

Insurance for Ford based on the year of the car

Thanks to depreciation, older Ford vehicles usually cost less to insure than newer ones.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. The less your car is worth, the less it costs to repair or replace if you need to make a claim. This can help with insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always end up paying more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Fords are 1987 and 1988.
The most expensive years for Fords are 2016 and 2020.
Year
Average Cost
Annual Savings with Jerry
2021$2,473$798Compare Prices
2020$3,525$1,157Compare Prices
2019$3,343$1,165Compare Prices
2018$3,763$1,453Compare Prices
2017$3,469$1,269Compare Prices
2016$3,453$1,029Compare Prices
2015$3,171$1,047Compare Prices
2014$3,024$997Compare Prices
2013$3,193$1,053Compare Prices
2012$2,871$989Compare Prices
2011$2,814$917Compare Prices
2010$3,049$1,127Compare Prices
2009$2,854$1,014Compare Prices
2008$2,653$947Compare Prices
2007$2,696$1,021Compare Prices
2006$2,869$915Compare Prices
2005$2,547$891Compare Prices
2004$2,439$973Compare Prices
2003$2,740$1,155Compare Prices
2002$2,280$737Compare Prices
2001$2,901$929Compare Prices
2000$2,268$865Compare Prices
1999$2,503$914Compare Prices
1998$2,401$1,192Compare Prices
1997$1,982$563Compare Prices
1996$2,532$1,188Compare Prices
1995$1,702$558Compare Prices
1994$2,136$859Compare Prices
1993$2,077$509Compare Prices
1992$2,372$1,006Compare Prices
Key Takeaway Since older Fords typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.
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Insurance for different models of Ford

Though the cost to insure a Ford shouldn’t be too expensive, certain models have weaker safety standards and are more prone to theft.
Your car’s model is generally more important than its age when it comes to insurance. A small sedan or compact SUV will usually see lower insurance rates due to its cheaper price point and higher safety ratings.
Larger vehicles and sports coupes will cost more to insure due to their higher cost, size, and premium features.
As a heavy-duty, full-size SUV, the Ford Excursion has one of the highest average insurance rates for the brand due to its large size and lower safety ratings.
Comparatively, a Ford Fiesta will be one of the least expensive models to insure, thanks in part to its smaller size and lower cost of repairs.
If you want to learn more about car insurance costs for some of the most popular Ford models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The pricier the car, the more expensive insurance tends to cost.
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Full coverage vs. minimum coverage for your Ford

Before hitting the road, most states require you to have minimum liability coverage. If you are at fault in an accident, liability insurance covers the costs for other drivers.
Minimum coverage typically includes:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Uninsured/underinsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a no-fault state. This can be especially helpful if you live in a no-fault state
While they are the bare minimums, it’s always a good idea to carry more coverage than your state requires if you can afford it. Full coverage insurance will ensure you’re covered in the event of large medical bills or substantial vehicle damage.
Full coverage typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Ford is $1,760 per year for minimum car insurance and $2,356 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
Here’s what it costs to insure a Ford with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Ford$2,415$1,607$2,269$1,265$2,913$2,103
Ford
All Coverage Before Jerry
$2,415
All Coverage After Jerry
$1,607
Minimum Coverage Before Jerry
$2,269
Minimum Coverage After Jerry
$1,265
Full Coverage Before Jerry
$2,913
Full Coverage After Jerry
$2,103
As is true of most makes, a more expensive car will be more expensive to insure. Compared to similar automotive brands—like GM and Honda—insurance premiums for Ford tend to be about average. If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Ford

Your car’s model and age, as well as the type of insurance you purchase, will influence your insurance premiums. Other factors, such as your age, driving record, and location can also impact them.

The model of Ford you drive

As mentioned above, opting for something like the Ford Fiesta will keep your insurance rates lower than a large SUV, like the Ford Excursion. But your insurance can vary even for the same model.
Most models come in a variety of trim levels—various variants of the same model with different features—and a higher trim can lead to higher insurance premiums.
For example, here’s what insurance you might want to consider for a Ford Fusion.
TrimFeaturesRecommended coverageReason for coverage
Fusion SThe base trim for the Fusion comes standard with a 2.5-liter four-cylinder engine, front-wheel drive, and a suite of driver safety aids.Towing and Labor coverageTowing and labor coverage will protect you if your Fusion ever breaks down while on the road.
Fusion TitaniumThe top-of-the-line trim includes a turbocharged 2.0-liter engine, ambient lighting interior, and premium 12-peaker sound system.[Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance)With the availability for system upgrades, sound system coverage will protect you in the case your updated audio equipment gets stolen.

Your insurance company

If you’ve just purchased a Ford, it might be tempting to stick with your existing insurance provider—but you might miss out on savings if you don’t explore your options.
The simplest way to ensure you’re getting the right coverage for the best price is by comparison shopping using the broker app Jerry.
It takes less than a minute to get competitive quotes from the top auto insurance providers in the country. Once you decide on a plan, Jerry handles the rest—including helping to cancel your old policy.
And since Jerry reviews your policy every 6 months, you can be sure that you’re always getting excellent coverage at an even better price. Here’s what Ford drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,191$1,139Compare Prices
Dairyland$3,405$1,130Compare Prices
Safeco$3,244$1,094Compare Prices
Kemper$2,851$1,027Compare Prices
Progressive$2,954$968Compare Prices
Allstate$2,796$914Compare Prices
Nationwide$2,771$909Compare Prices
State Auto$2,983$899Compare Prices
Travelers$2,770$855Compare Prices
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Your age

Your age says a lot about your driving experience and how likely you are to get into an accident—so it can have a pretty significant impact on your insurance rate.
Older drivers who have a lot of experience typically pay less for insurance. Insurers will likely raise premiums based on the likelihood younger drivers will need to make a claim.

Your driving record

A major factor also used in determining your car insurance premiums is your driving record.
If you have a minor offense or speeding ticket, your rates shouldn’t be impacted too seriously. Repeat offenses and major violations, on the other hand, can end up increasing your premium as you would be considered a high-risk driver.
Here are some common insurance premiums for Ford drivers with previous infractions:
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Where you live

Your location can majorly affect your insurance premium, so rates for Fords can vary from city to city—even within a state! This is due to differences in accident rates, crime rates, and even the frequency of natural disasters.
For your insurance company, it’s all about the risk and likelihood of claims. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage. According to our data, there is a high percentage of Ford drivers in cities including Houston (TX), San Antonio (TX), Jacksonville (FL), Atlanta (GA) and Phoenix (AZ). The cheapest car insurance for Ford for Jerry users is in Herriman (UT) and Lumber City (GA). The most expensive car insurance for Ford for Jerry users is in Mastic (NY) and Newberry (FL).
City
Average Cost
Annual Savings with Jerry
Atlanta$3,232$1,021Compare Prices
Eagle Point
$4,308$846Compare Prices
Houston$2,938$924Compare Prices
Jacksonville$3,948$1,674Compare Prices
Norfolk$2,678$740Compare Prices
Orange
$1,324$359Compare Prices
Phoenix$2,472$727Compare Prices
Richmond$5,137$2,516Compare Prices
San Antonio$2,630$663Compare Prices
Stuart$6,351$3,777Compare Prices
Jerry is there to help you find the best car insurance rates, no matter where you live, your demographics, and the model of Ford you drive.
Jerry is the easiest and most effective way to find a car insurance policy that is customized for you. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals—and will even cancel your old policy.

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