A lot of people love Ford cars and trucks. Ford Motor Company is known for producing durable, solid vehicles with incredible history and legacy. There’s that whole Henry Ford vibe going on. So, if you’re a fan of the brand, at some point, your mind is going to turn to thoughts about car insurance: What are the most and least expensive Ford models to insure?
The average national Ford insurance cost that people tend to pay is $1,644 a year, and that includes all Ford models combined. It’s a number that’s based on the rates for a 40-year-old male with full coverage. Meanwhile, the national average that people pay for car insurance, for any car, is $1,179.
In fact, you could say that auto insurance for Ford models is afFordable.
We’re not just here for comedy, we’re also here for you when it comes to looking for car insurance, and budgeting for car insurance, of course, is a vital part of car shopping.
- A lot of factors go into the price of car insurance – how much you pay and the model you’re buying but also other factors, like your age and where you live.
- Ford models are wide and varied, and there are a lot of different packages of features, called trims. The trim you choose has a major bearing on the price of your car insurance.
- Because of the quirks of the insurance industry and states influencing prices, it’s possible that you’ll pay more car insurance for a used vehicle than a new one.
- Because car insurance can vary wildly, it’s smart to comparison shop for car insurance.
Ford car insurance cost by model
As you would expect, the cost of Ford car insurance depends largely on the model. Also, it depends on your own driving record and your age, the state you live in and factors like that, but definitely the model of the Ford you’ll be driving.
If you take a look at our table below, you can see a list for each Ford model, and its national average insurance rate.
| Make | Model | Model Year | Avg. Nationwide |
|---|---|---|---|
| Ford | Ecosport | 2021 | $ 1,459 |
| Ford | Edge | 2021 | $ 1,452 |
| Ford | Escape | 2021 | $ 1,439 |
| Ford | Expedition | 2021 | $ 1,804 |
| Ford | Explorer | 2021 | $ 1,573 |
| Ford | F-150 | 2021 | $ 1,543 |
| Ford | F-250 | 2021 | $ 1,728 |
| Ford | F-350 | 2021 | $ 1,774 |
| Ford | F-450 | 2021 | $ 2,094 |
| Ford | Fusion | 2021 | $ 1,670 |
| Ford | Mustang | 2021 | $ 1,957 |
| Ford | Ranger | 2021 | $ 1,511 |
| Ford | Transit | 2021 | $ 1,371 |
Still, if you want more information and to drill down a little more, we’re going to select some popular models and will take a more detailed look at them.
Ford F-450 SD insurance cost
Interested in a Ford F-450 SD King Ranch, or an F-450 SD Lariat, or perhaps an F-450 SD Limited? The F-450 SD’s, which can only be described as a really elite pickup truck, the kind of thing you’re going to get if you have to haul around a lot of heavy stuff, is the most expensive Ford vehicle to insure.
The average cost
You can expect to pay $2,094 a year for car insurance for a Ford F-450 SD – on average. It depends, of course, just how much you’re paying for that F-450 SD.
Expect to spend around $65,735 if you buy an F-450 XL. If you go with a higher trim, you might pay as much as $88,355, or even a little more ($94,850) if you pay for a Limited.
A little about the trim package
What type of car you pay for depends on the trim you go with. The Ford F-450 SD has six trim levels: XL, XLT, Lariat, King Ranch, Platinum, Limited.
As you would expect, XL has a lot of features but not all of them; the Limited has just about every feature you can imagine as well upgrades, where the speakers are going to be the best money can buy, or the suspension will be even more fine-tuned.
Picking the lowest trim doesn’t at all mean you’re getting a substandard vehicle, but as you pay for more pricy trim packages, you’ll get more and more features.
Safety features. Surprisingly, the National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety haven’t done a crashworthiness review on the Ford F-450 truck yet.
There are plenty of safety features, however, such as blind-spot monitoring, a surround-view camera and rear parking assistance.
Fun factoid: If you wanted to, with the F-450 SD’s gooseneck hitch, you could tow up to 37,000 pounds.
Insurance cost for a used F-450 SD
If you’re buying a used F-450 SD, when it comes to buying car insurance, you’re going to pay something close to a new truck. That’s because new-ish used vehicles are simply still very expensive. You don’t want to skimp on car insurance for a used vehicle, especially if it’s only a couple of years old.
As you can see, the price doesn’t change all that much as your car gets older. In fact, this is a rare case where the price goes a little higher for a 2018 truck over a 2020 truck.
| Make | Model Group | Model Year | Avg. Nationwide |
|---|---|---|---|
| Ford | F-450 SD King Ranch, F-450 SD Lariat, F-450 SD Limited and 3 more | 2017 | $ 2,159.00 |
| Ford | F-450 SD King Ranch, F-450 SD Lariat, F-450 SD Limited and 3 more | 2018 | $ 2,380.00 |
| Ford | F-450 SD King Ranch, F-450 SD Lariat, F-450 SD Limited and 3 more | 2019 | $ 2,271.00 |
| Ford | F-450 SD King Ranch, F-450 SD Lariat, F-450 SD Limited and 3 more | 2020 | $ 2,350.00 |
Ford Mustang insurance cost
These are beloved cars. A lot of filmgoers of a certain age, or film enthusiasts of all ages, may fondly remember Steve McQueen racing through the streets of San Francisco in a 1968 Ford Mustang GT in the movie Bullitt.
The average cost
How much is car insurance for a Mustang? The average cost – again, if you’re a 40-year-old male — is $1,957. If you’re going to buy a 2021 Ford Mustang, the price starts at $27,155 – but, depending on the type of Mustang you purchase, you could spend $73,000. That would be for a Mustang Shelby GT500.
A little about the trim package
There are a lot of trim levels. In fact, 10. They are:
- Fastback
- Premium Fastback
- Convertible
- Premium Convertible
- GT Premium Fastback
- GT Premium Convertible
- BULLITT (inspired by, yeah, you know)
- Shelby GT350
- Shelby GT350R
- Shelby GT500
Safety features
You don’t really buy a Ford Mustang for the safety features (you know, you like going, “Vroom, vroom!” but that doesn’t mean they aren’t safe. The newest of them has Ford’s Co-Pilot 360 safety tech suite.
It includes cool stuff like automatic high beams, blind-spot monitoring, pre-collision assist with automatic emergency braking, pedestrian detection, forward collision warning, dynamic brake support, and rain-sensing wipers.
Fun factoid: Several names were considered instead of the Mustang, including the Cougar, Comet and Allegro. OK, Cougar and Comet are pretty cool. But Allegro?
Insurance cost for a used Ford Mustang
As you would expect, you’ll pay a pretty penny for a used Ford Mustang.
Here’s how it breaks down:
| Make | Model Group | Model Year | Avg. Nationwide |
|---|---|---|---|
| Ford | Mustang, Mustang Bullitt, Mustang Ecoboost and 9 more | 2017 | $ 2,012 |
| Ford | Mustang, Mustang Bullitt, Mustang Ecoboost and 9 more | 2018 | $ 2,118 |
| Ford | Mustang, Mustang Bullitt, Mustang Ecoboost and 9 more | 2019 | $ 2,126 |
| Ford | Mustang, Mustang Bullitt, Mustang Ecoboost and 9 more | 2020 | $ 2,244 |
Ford Escape insurance cost
Interested in buying a compact SUV like a Ford Escape? Or an Escape SE? Or a Ford Escape SE Sport? Well, keep reading.
The average cost
The average cost of car insurance for a 2021 Ford Escape is $1,439. The average cost of buying a Ford Escape is $25,555. That’s the starting price, anyway.
A little about the trim package
There are five trim levels: Ford Escape S, Ford Escape SE, Escape SE Sport Hybrid, Ford Escape SEL and Ford Escape Titanium.
Safety features
The Ford Escape has Ford’s Co-Pilot360, which has safety features like a blind spot information system, evasive steering assist and auto high-beam headlamps.
Fun factoid: The Ford Escape debuted in 2001 and was actually a collaboration with the car manufacturer Mazda.
Insurance cost for a used Ford Escape:
Not surprisingly, the price of car insurance for a used Ford Escape isn’t all that different from the price of insuring a new Ford Escape.
| Make | Model Group | Model Year | Avg. Nationwide |
|---|---|---|---|
| Ford | Escape S, Escape SE, Escape SE Sport and 3 more | 2017 | $ 1,432 |
| Ford | Escape S, Escape SE, Escape SE Sport and 3 more | 2018 | $ 1,465 |
| Ford | Escape S, Escape SE, Escape SE Sport and 3 more | 2019 | $ 1,536 |
| Ford | Escape S, Escape SE, Escape SE Sport and 3 more | 2020 | $ 1,494 |
Ford Explorer insurance cost
These are popular vehicles. It seems like Ford’s always running a TV commercial for these popular SUVs.
The average cost
The average insurance rate for a 2021 Ford Explorer is $1,573. The average cost to buy a Ford Explorer, meanwhile, starts at around $33,000. It can go much higher, of course, which means your insurance would go up as well.
A little about the trim package
The Ford Explorer comes in five trims – base, XLT, Limited, ST and Platinum.
Safety features
The safety ratings for the Ford Explorer have been glowing. The National Highway Traffic Safety Administration presented the 2021 Ford Explorer with five out of five stars for how it fared in crash tests (giving them five stars in the frontal and side crash tests and four stars in the rollover test). You’ll find safety features such as driver drowsiness monitoring, pedestrian detection and forward automatic emergency braking.
Fun factoid: The Ford Explorer has been around since 1990 when it came out with the 1991 Ford Explorer.
Insurance cost for used Ford Explorers
If you’re buying a used Ford Explorer, when it comes to buying car insurance, you’re going to pay something close to a new car. That’s because new-ish used cars are simply still very expensive and good cars. You don’t want to skimp on car insurance for a used car, especially if it’s only a couple of years old. As you can see, the price doesn’t change all that much as your car gets older. In fact, in this case, it’s actually more expensive to insure an older car than a newer one.
| Make | Model Group | Model Year | Avg. Nationwide |
|---|---|---|---|
| Ford | Explorer, Explorer Hybrid, Explorer Limited and 4 more | 2017 | $ 1,592 |
| Ford | Explorer, Explorer Hybrid, Explorer Limited and 4 more | 2018 | $ 1,603 |
| Ford | Explorer, Explorer Hybrid, Explorer Limited and 4 more | 2019 | $ 1,626 |
| Ford | Explorer, Explorer Hybrid, Explorer Limited and 4 more | 2020 | $ 1,663 |
Ford Transit insurance cost
Do you have a lot of things that need to go into a car? Maybe you need a van? As in, a Ford Transit.
The average cost
If you want to pay the least car insurance for a Ford, you’d probably want to buy a Ford Transit, a full-size van. The average cost of buying insurance for a 2021 Ford Transit is $1,371.
If you were going to buy a Ford Transit, the starting price for a new one is $35,270.
A little about the trim package
The Ford Transit has three trim levels: XL, XLT and Titanium.
Safety features
As with all of the Fords, it has the Ford Co-Pilot330, which offers a lot of driver-assist technologies, such as Curve Control (which helps you navigate tight curves).
Fun factoid: The first Ford Transit was made in 1965, and in 1968, 48 students from Barking College near London set a world record by squeezing themselves into a Transit minibus. In other words, Ford Transits have a lot of room in them.
Insurance cost for a used Ford Transit
If you’re buying a used Ford Transit, you’ll pay something fairly close to a new used Ford Transit. Specifically, you will probably pay an average of:
| Make | Model Group | Model Year | Avg. Nationwide |
|---|---|---|---|
| Ford | Transit 350MR, Transit 350XL EXT HI, Transit 350XLT EXT HI and 3 more | 2017 | $ 1,463 |
| Ford | Transit 350MR, Transit 350XL EXT HI, Transit 350XLT EXT HI and 3 more | 2018 | $ 1,487 |
| Ford | Transit 350MR, Transit 350XL EXT HI, Transit 350XLT EXT HI and 3 more | 2019 | $ 1,584 |
| Ford | Transit 350MR, Transit 350XL EXT HI, Transit 350XLT EXT HI and 3 more | 2020 | $ 1,480 |
How to budget and save on Ford car insurance
Two words: comparison shop. Look, you can pick one car insurance company and ask what about car insurance costs for a new or used Ford vehicle, and you can get your car insurance and drive on your merry way.
That’s fine – but you’ll never know if you have the best price. If you shake your head every time you shell out money for your annual or monthly premium, you’ll know that may be overpaying for your car insurance.
So, the best way to save on Ford car insurance and find something that you can afford and that is within your budget is to check rates with multiple car insurance companies. At least 3 – but five or more would be better. Then once you see what the rates are, you can make an informed and intelligent decision.
Still, there are other ways to budget and save on Ford insurance costs. Don’t forget to ask your insurer about discounts that might be offered and that you might be able to get. Paying yearly for car insurance is a headache in the short run, but doing so will save you money.
If you find a great rate on your car insurance, you may want to see about bringing your homeowners insurance or renters insurance over to the same company, which may bring a discount for both policies.
The bottom-line? If you’re looking for a car, you should also look for car insurance. It’s nowhere near as fun as that new car smell, but if you’re overpaying for car insurance, it kind of stinks.
