Insurance companies consider factors like your personal profile, driving record, and location when setting your premium. But since they each weigh the factors a bit differently, insurance rates vary between different carriers.
The cheapest insurer for Ford vehicles is Ready Insurance, with an annual premium of $1,215.
Other popular carriers for Ford vehicles include the following:
For safe drivers who are technologically inclined, Nationwide is a great choice. Their robust online platform, mobile app, and website earn them 4.6/5 from Jerry.
Progressive is one of the largest, most reputable carriers in the industry. It’s known for financial strength, numerous coverage options, and excellent discounts and features. If you’re tech savvy or a higher-risk driver, Progressive might be a good option. Jerry gives it a solid 4.6/5 rating.
Kemper insures high-risk drivers who may have a hard time finding insurance with other companies. It offers to file SR22 forms for drivers who need to provide proof of coverage to the state, and it even sells insurance for cars with salvage titles that were rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
[Safeco](https://getjerry.com/car-insurance/safeco-car-insurance tends to be an affordable choice, especially for younger drivers. It offers a claims-free cashback program that rewards you with a small refund for every six months that you stay claims-free. Thanks to these perks, Safeco gets a rating of 4.5/5 from Jerry.
Allstate is a big name in insurance and has a large network of agents and repair shops. It offers a wide range of digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers has lots of valuable add-ons for drivers, including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. It also offers a number of great discounts, such as savings for being a safe driver and a good student. For these reasons, it gets a 4.7/5 rating from Jerry.
State Auto is a good choice for safe and experienced drivers looking for the most out of their money. It offers a huge range of coverage options and allows drivers to file claims online for maximum convenience. State Auto gets a 4.1/5 rating from Jerry.
National General specializes in insurance for high-risk drivers. In many of the states where it does business, National General has a claims satisfaction guarantee whereby they’ll waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland also specializes in high-risk drivers. It offers flexible payment plans and 24/7 live claims support in almost 40 states. For these reasons, Dairyland gets a rating of 4.6/5 from Jerry.
Clearcover stands out for its tech-based business model. Its award-winning app enables you to instantly file claims instantly, pay your bill, and view your proof of insurance—all while keeping communication online. Jerry rates Clearcover a 4.1/5.
How to compare prices to find the most affordable coverage
Each insurer will offer different rates for the same driver and coverage. If you’re looking for the best policy and premium, you’ll want to compare quotes from multiple providers.
It’s important to remember that the best coverage isn’t the same as the cheapest coverage. While it’s always good to get a deal, a cheap insurance policy isn’t helpful if it doesn’t cover you when it really matters.
The simplest way to ensure you’re getting the right coverage for the best price is by using the comparison shopping and 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—you won’t have to lift a finger to finalize your new plan or cancel your old one!
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 is what drivers pay before and after they switched plans with Jerry:
Avg. Annual Premium
Key Takeaway Insurance rates can vary between insurance companies. With an insurance comparison app like Jerry, you can quickly and easily view quotes from multiple carriers to find the best premium for the coverage you need.
Cost of insuring a Ford
Cost of insuring with minimum coverage and full coverage
The average annual insurance premium for a Ford is $1,594 per year for minimum car insurance and $2,290 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
The cost to insure your Ford will depend on the coverage you choose. Every state has minimum coverage requirements that you must adhere to.
Here are the basic types of insurance that your state may require:
Pays for your own medical expenses after a car accident
These are not recommendations—they are the mandatory minimums you need to legally drive your vehicle. If you can afford it, you should purchase additional coverage for your Ford.
Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be responsible for the costs out of pocket.
If your Ford is leased or financed, you may be required to purchase full-coverage insurance. You should also consider full-coverage insurance if you can’t afford to replace your car in the event of a total loss.
Your age and driving record say a lot about your driving experience and how likely it is that you’ll get into an accident—so they have a pretty significant impact on your insurance rate. Older drivers who have a lot of experience typically pay less for insurance.
Traffic violations also impact your premium. Tickets for speeding and failing to stop are usually considered minor violations, but charges like driving under the influence (DUI) and careless driving are extremely serious. They’ll stay on your record for up to a decade and cause your insurance rates to spike.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for Fords by age group:
Key Takeaway Insurance costs for your Ford will vary depending on factors like your driving record, age, and insurance coverage needs.
Cost of insuring popular models
Ford has a big lineup of vehicles and insurance rates will vary depending on the one you have. This is because repair and replacement costs differ between models.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you.
No matter what model you drive, Jerry can find you big savings for the same coverage that you already have.
All you have to do is download the Jerry app and answer a handful of questions. In less than a minute, you’ll have three competitive quotes from top insurance companies. And when you’re ready to switch, Jerry takes care of everything from securing your new policy to canceling your old one.
The average Jerry user saves $879 a year on car insurance.
If you want to learn more about car insurance costs for various popular makes, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
Cost of insuring your Ford by year
Most and least expensive years of 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. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. This usually translates to insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay 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 1985.
The most expensive years for Fords are 1983 and 2019.
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.
Cost of insuring a Ford in your city
Your location is a major factor affecting your insurance premium, so rates for Fords can vary from city to city—even within a state! This is largely due to differences in accident rates, crime rates, and even incidences of natural disasters.
For your insurance company, it’s all about the risk. 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), Jacksonville (FL), Albuquerque (NM), Atlanta (GA) and San Antonio (TX).
The cheapest car insurance for Fords for Jerry users is in Sealy (TX) and Pennsburg (PA).
The most expensive car insurance for Fords for Jerry users is in Redford (MI) and Helena (MT).