If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Ford car insurance is $2,866 or $239 per month. Remember that your specific rates may vary depending on the Ford model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Ford is $2,866 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 can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Ford vehicles compare among different insurers in the table below.
Cost to insure a Ford, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,892 | $946 | $158 |
| GEICO | $2,352 | $1,176 | $196 |
| State Farm | $2,528 | $1,264 | $211 |
| Nationwide | $2,584 | $1,292 | $215 |
| Progressive | $2,826 | $1,413 | $235 |
| Allstate | $3,672 | $1,836 | $306 |
| Farmers | $3,861 | $1,931 | $322 |
| USAA | $2,085 | $1,043 | $174 |
Ford average insurance rates, by model
Ford Escape car insurance cost
Car insurance cost for a Ford Escape is $205 per month or $2,456 a year, based on CarInsurance.com’s rate analysis. Travelers offers the most affordable car insurance rates for a Ford Escape at an average monthly cost of $145 or $1,738 yearly.
Ford Maverick car insurance cost
On average, car insurance for a Ford Maverick costs $207 a month or $2,488 per year. Travelers has the cheapest car insurance cost for a Ford Maverick at $137 per month, equating to $1,648 annually.
Ford Bronco Sport car insurance cost
For Ford Bronco Sport owners, the average car insurance cost is $209 per month or $2,512 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $1,748 or $146 per month.
Ford Escape Hybrid car insurance cost
The average car insurance premium for Ford Escape Hybrid is $211 per month, which translates to $2,535 per year. The most affordable company for a Ford Escape Hybrid is Travelers with a rate of $142 monthly or $1,698 per year.
Ford Ranger car insurance cost
The average car insurance premium for Ford Ranger is $214 per month, which translates to $2,564 per year. The most affordable company for a Ford Ranger is Travelers with a rate of $147 monthly or $1,766 per year.
Ford Bronco car insurance cost
The average car insurance premium for Ford Bronco is $214 per month, which translates to $2,564 per year. The most affordable company for a Ford Bronco is Travelers with a rate of $144 monthly or $1,724 per year.
Insurance rates by car model
The average cost of car insurance for a Ford, by driver age
Your age is an important rating factor in determining your Ford car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
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 | $8,218 | $4,109 | $685 |
| 18 | Ford Bronco Raptor | $9,378 | $4,689 | $781 |
| 18 | Ford Bronco Sport | $8,084 | $4,042 | $674 |
| 18 | Ford Escape | $7,935 | $3,967 | $661 |
| 18 | Ford Escape Hybrid | $8,176 | $4,088 | $681 |
| 18 | Ford Expedition | $9,646 | $4,823 | $804 |
| 18 | Ford Explorer | $8,605 | $4,302 | $717 |
| 18 | Ford F-150 | $8,748 | $4,374 | $729 |
| 18 | Ford F-150 Lightning | $10,036 | $5,018 | $836 |
| 18 | Ford F-150 Raptor | $9,729 | $4,864 | $811 |
| 18 | Ford Maverick | $8,206 | $4,103 | $684 |
| 18 | Ford Mustang | $11,407 | $5,704 | $951 |
| 18 | Ford Mustang Mach-E | $9,926 | $4,963 | $827 |
| 18 | Ford Ranger | $8,485 | $4,243 | $707 |
| 18 | Ford Ranger Raptor | $9,406 | $4,703 | $784 |
| 18 | Ford Super Duty | $9,789 | $4,894 | $816 |
| 18 | Ford Transit | $8,494 | $4,247 | $708 |
Cost to insure a Ford, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Ford Bronco | $2,564 | $1,282 | $214 |
| 40 | Ford Bronco Raptor | $2,974 | $1,487 | $248 |
| 40 | Ford Bronco Sport | $2,512 | $1,256 | $209 |
| 40 | Ford Escape | $2,456 | $1,228 | $205 |
| 40 | Ford Escape Hybrid | $2,535 | $1,267 | $211 |
| 40 | Ford Expedition | $3,010 | $1,505 | $251 |
| 40 | Ford Explorer | $2,656 | $1,328 | $221 |
| 40 | Ford F-150 | $2,696 | $1,348 | $225 |
| 40 | Ford F-150 Lightning | $3,064 | $1,532 | $255 |
| 40 | Ford F-150 Raptor | $3,004 | $1,502 | $250 |
| 40 | Ford Maverick | $2,488 | $1,244 | $207 |
| 40 | Ford Mustang | $3,461 | $1,730 | $288 |
| 40 | Ford Mustang Mach-E | $3,001 | $1,501 | $250 |
| 40 | Ford Ranger | $2,564 | $1,282 | $214 |
| 40 | Ford Ranger Raptor | $2,871 | $1,436 | $239 |
| 40 | Ford Super Duty | $3,018 | $1,509 | $251 |
| 40 | Ford Transit | $2,599 | $1,299 | $217 |
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Ford car insurance rates by state
When it comes to insuring your Ford, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Ford car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,662 | $1,331 | $222 |
| Alabama | $2,369 | $1,185 | $197 |
| Arkansas | $3,481 | $1,740 | $290 |
| Arizona | $2,970 | $1,485 | $247 |
| California | $3,594 | $1,797 | $299 |
| Colorado | $3,398 | $1,699 | $283 |
| Connecticut | $3,161 | $1,580 | $263 |
| Washington, D.C. | $3,795 | $1,897 | $316 |
| Delaware | $3,080 | $1,540 | $257 |
| Florida | $3,437 | $1,719 | $286 |
| Georgia | $3,537 | $1,768 | $295 |
| Hawaii | $1,724 | $862 | $144 |
| Iowa | $2,458 | $1,229 | $205 |
| Idaho | $1,851 | $925 | $154 |
| Illinois | $2,371 | $1,186 | $198 |
| Indiana | $1,931 | $966 | $161 |
| Kansas | $2,808 | $1,404 | $234 |
| Kentucky | $3,296 | $1,648 | $275 |
| Louisiana | $5,025 | $2,513 | $419 |
| Massachusetts | $2,199 | $1,100 | $183 |
| Maryland | $2,942 | $1,471 | $245 |
| Maine | $1,758 | $879 | $147 |
| Michigan | $3,612 | $1,806 | $301 |
| Minnesota | $2,613 | $1,307 | $218 |
| Missouri | $2,901 | $1,450 | $242 |
| Mississippi | $3,356 | $1,678 | $280 |
| Montana | $2,700 | $1,350 | $225 |
| North Carolina | $2,357 | $1,179 | $196 |
| North Dakota | $2,317 | $1,158 | $193 |
| Nebraska | $2,968 | $1,484 | $247 |
| New Hampshire | $1,836 | $918 | $153 |
| New Jersey | $3,260 | $1,630 | $272 |
| New Mexico | $2,781 | $1,391 | $232 |
| Nevada | $3,852 | $1,926 | $321 |
| New York | $2,986 | $1,493 | $249 |
| Ohio | $1,873 | $936 | $156 |
| Oklahoma | $3,311 | $1,655 | $276 |
| Oregon | $2,436 | $1,218 | $203 |
| Pennsylvania | $2,717 | $1,358 | $226 |
| Rhode Island | $2,967 | $1,483 | $247 |
| South Carolina | $3,368 | $1,684 | $281 |
| South Dakota | $3,177 | $1,588 | $265 |
| Tennessee | $2,500 | $1,250 | $208 |
| Texas | $3,507 | $1,754 | $292 |
| Utah | $2,240 | $1,120 | $187 |
| Virginia | $2,345 | $1,173 | $195 |
| Vermont | $1,808 | $904 | $151 |
| Washington | $2,330 | $1,165 | $194 |
| Wisconsin | $2,695 | $1,348 | $225 |
| West Virginia | $2,444 | $1,222 | $204 |
| Wyoming | $2,217 | $1,108 | $185 |
Average car insurance cost for different vehicle makes
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To find affordable Ford car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to 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, less expensive Ford models that have a low-power engine under the hood are always going to be cheaper to insure than more upscale or sporty models. Entry-level Ford base models can be very affordable to insure, but your premium will be headed up as you go up the scale when it comes to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for 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, 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
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
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
One way to save money on your Ford insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“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 Ford 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.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
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 same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering 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.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Ford?
Your driving history is one of the many factors affecting your Ford car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Ford affect the insurance premium?
The color of your Ford does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Ford affect insurance costs?
Your Ford’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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