If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Ford costs? Here’s what you need to know.
The average cost of Ford car insurance is $2,705 a year or $225 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Ford is $2,705 per year.
- The Escape is the cheapest Ford model to insure.
- Advanced safety features that come standard on Ford models help lower your insurance costs.
Average cost of car insurance for a Ford, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Ford car insurance rates by insurance company.
Cost to insure a Ford, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,045 | $1,023 | $170 |
| State Farm | $2,288 | $1,144 | $191 |
| Geico | $2,301 | $1,150 | $192 |
| Progressive | $2,673 | $1,336 | $223 |
| Farmers | $3,221 | $1,610 | $268 |
| Allstate | $3,736 | $1,868 | $311 |
Ford average insurance rates, by model
Ford Escape car insurance cost
Car insurance cost for a Ford Escape is $176 per month or $2,113 a year, based on CarInsurance.com’s rate analysis. State Farm offers the most affordable car insurance rates for a Ford Escape at an average monthly cost of $136 or $1,631 yearly.
Ford Maverick car insurance cost
The average monthly car insurance premium for a Ford Maverick is $177 or $2,118 annually. Nationwide is the most affordable company for a Ford Maverick owner, offering insurance at a monthly rate of just $129 or $1,546 per year.
Ford Ranger car insurance cost
The average car insurance premium is $180 per month, which adds up to $2,156 each year for a Ford Ranger. Nationwide is the cheapest car insurance company, with a monthly rate of $134, which translates to an annual cost of $1,614.
Ford Escape Hybrid car insurance cost
Car insurance costs an average of $180 per month, which adds up to $2,163 a year for a Ford Escape Hybrid. Among the companies analyzed, State Farm stands out as the most affordable option, at an average annual cost of $1,659 or $138 per month.
Ford Bronco Sport car insurance cost
The average monthly car insurance premium for a Ford Bronco Sport is $181, which totals $2,173 annually. State Farm offers the cheapest rate at $144 per month or $1,734 annually.
Ford Edge car insurance cost
The average car insurance premium for Ford Edge is $183 per month, which translates to $2,190 per year. The most affordable company for a Ford Edge is Nationwide with a rate of $147 monthly or $1,770 per year.
Insurance rates by car model
The average cost of car insurance for a Ford, by age
Ford car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Ford based on the driver’s age.
Cost to insure a Ford, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Ford Bronco | $8,050 | $4,025 | $671 |
| 18 | Ford Bronco Raptor | $9,223 | $4,612 | $769 |
| 18 | Ford Bronco Sport | $7,845 | $3,923 | $654 |
| 18 | Ford Edge | $7,925 | $3,962 | $660 |
| 18 | Ford Escape | $7,683 | $3,842 | $640 |
| 18 | Ford Escape Hybrid | $7,938 | $3,969 | $661 |
| 18 | Ford Expedition | $9,397 | $4,699 | $783 |
| 18 | Ford Explorer | $8,653 | $4,327 | $721 |
| 18 | Ford F-150 | $8,946 | $4,473 | $745 |
| 18 | Ford F-150 Lightning | $9,922 | $4,961 | $827 |
| 18 | Ford F-150 Raptor | $9,713 | $4,857 | $809 |
| 18 | Ford Maverick | $7,918 | $3,959 | $660 |
| 18 | Ford Mustang | $10,937 | $5,468 | $911 |
| 18 | Ford Mustang Mach-E | $10,843 | $5,422 | $904 |
| 18 | Ford Ranger | $8,030 | $4,015 | $669 |
| 18 | Ford Ranger Raptor | $9,501 | $4,750 | $792 |
| 18 | Ford Super Duty | $10,102 | $5,051 | $842 |
| 18 | Ford Transit | $8,223 | $4,111 | $685 |
Cost to insure a Ford, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Ford Bronco | $2,242 | $1,121 | $187 |
| 40 | Ford Bronco Raptor | $2,606 | $1,303 | $217 |
| 40 | Ford Bronco Sport | $2,173 | $1,086 | $181 |
| 40 | Ford Edge | $2,190 | $1,095 | $183 |
| 40 | Ford Escape | $2,113 | $1,057 | $176 |
| 40 | Ford Escape Hybrid | $2,163 | $1,082 | $180 |
| 40 | Ford Expedition | $2,605 | $1,303 | $217 |
| 40 | Ford Explorer | $2,357 | $1,179 | $196 |
| 40 | Ford F-150 | $2,458 | $1,229 | $205 |
| 40 | Ford F-150 Lightning | $2,743 | $1,372 | $229 |
| 40 | Ford F-150 Raptor | $2,682 | $1,341 | $223 |
| 40 | Ford Maverick | $2,118 | $1,059 | $177 |
| 40 | Ford Mustang | $2,901 | $1,451 | $242 |
| 40 | Ford Mustang Mach-E | $2,851 | $1,426 | $238 |
| 40 | Ford Ranger | $2,156 | $1,078 | $180 |
| 40 | Ford Ranger Raptor | $2,637 | $1,319 | $220 |
| 40 | Ford Super Duty | $2,815 | $1,407 | $235 |
| 40 | Ford Transit | $2,298 | $1,149 | $192 |
Ford car insurance rates by state
Your location significantly impacts your Ford car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Ford car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,541 | $1,270 | $212 |
| Alabama | $2,540 | $1,270 | $212 |
| Arkansas | $2,919 | $1,460 | $243 |
| Arizona | $2,587 | $1,293 | $216 |
| California | $3,270 | $1,635 | $273 |
| Colorado | $3,629 | $1,815 | $302 |
| Connecticut | $2,707 | $1,354 | $226 |
| Washington, D.C. | $3,176 | $1,588 | $265 |
| Delaware | $2,613 | $1,306 | $218 |
| Florida | $3,217 | $1,608 | $268 |
| Georgia | $3,382 | $1,691 | $282 |
| Hawaii | $1,717 | $858 | $143 |
| Iowa | $2,411 | $1,205 | $201 |
| Idaho | $1,774 | $887 | $148 |
| Illinois | $2,657 | $1,329 | $221 |
| Indiana | $2,423 | $1,211 | $202 |
| Kansas | $2,905 | $1,452 | $242 |
| Kentucky | $3,298 | $1,649 | $275 |
| Louisiana | $4,297 | $2,148 | $358 |
| Massachusetts | $2,366 | $1,183 | $197 |
| Maryland | $2,495 | $1,247 | $208 |
| Maine | $1,873 | $937 | $156 |
| Michigan | $3,302 | $1,651 | $275 |
| Minnesota | $3,083 | $1,541 | $257 |
| Missouri | $3,361 | $1,681 | $280 |
| Mississippi | $2,764 | $1,382 | $230 |
| Montana | $2,993 | $1,496 | $249 |
| North Carolina | $2,109 | $1,055 | $176 |
| North Dakota | $2,558 | $1,279 | $213 |
| Nebraska | $3,076 | $1,538 | $256 |
| New Hampshire | $1,919 | $960 | $160 |
| New Jersey | $2,443 | $1,221 | $204 |
| New Mexico | $2,800 | $1,400 | $233 |
| Nevada | $2,463 | $1,231 | $205 |
| New York | $2,047 | $1,023 | $171 |
| Ohio | $2,040 | $1,020 | $170 |
| Oklahoma | $3,078 | $1,539 | $256 |
| Oregon | $2,473 | $1,237 | $206 |
| Pennsylvania | $2,779 | $1,389 | $232 |
| Rhode Island | $3,130 | $1,565 | $261 |
| South Carolina | $2,585 | $1,293 | $215 |
| South Dakota | $3,627 | $1,813 | $302 |
| Tennessee | $2,838 | $1,419 | $237 |
| Texas | $3,877 | $1,938 | $323 |
| Utah | $2,176 | $1,088 | $181 |
| Virginia | $2,001 | $1,000 | $167 |
| Vermont | $1,840 | $920 | $153 |
| Washington | $2,267 | $1,133 | $189 |
| Wisconsin | $2,106 | $1,053 | $176 |
| West Virginia | $2,587 | $1,293 | $216 |
| Wyoming | $2,895 | $1,447 | $241 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Ford car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Ford models to insure
Smaller, budget-friendly Ford models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Ford models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Ford
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Ford discounts on car insurance
You can take advantage of all the available discounts to lower your Ford car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Ford car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Ford
Ford Motor Company, established by Henry Ford in 1903, is one of the most iconic automobile manufacturers in history. Renowned for its innovation, Ford introduced the assembly line method of production, revolutionizing the automotive industry and setting a new standard for manufacturing efficiency. The Ford brand is synonymous with reliability, durability and value, evidenced by their popular models such as the Ford F-150 and Mustang. With a commitment to sustainability, Ford is also forging ahead in the electric vehicle market, exemplified by the Mustang Mach-E.
Final thoughts on Ford insurance costs
Ford offers a diverse lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
No matter which Ford model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Ford?
Yes, your driving record has a significant impact on your Ford’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Ford affect the insurance premium?
No, the color of your Ford does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Ford affect insurance costs?
The age of your Ford can influence your insurance costs. Older Ford models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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