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.

Key Highlights
  • 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

CompanyAnnual ratesSix-month ratesMonthly 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

Insurance rates by car model

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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

AgeMake ModelAnnual ratesSix-month ratesMonthly rates
18Ford Bronco$8,050$4,025$671
18Ford Bronco Raptor$9,223$4,612$769
18Ford Bronco Sport$7,845$3,923$654
18Ford Edge$7,925$3,962$660
18Ford Escape$7,683$3,842$640
18Ford Escape Hybrid$7,938$3,969$661
18Ford Expedition$9,397$4,699$783
18Ford Explorer$8,653$4,327$721
18Ford F-150$8,946$4,473$745
18Ford F-150 Lightning$9,922$4,961$827
18Ford F-150 Raptor$9,713$4,857$809
18Ford Maverick$7,918$3,959$660
18Ford Mustang$10,937$5,468$911
18Ford Mustang Mach-E$10,843$5,422$904
18Ford Ranger$8,030$4,015$669
18Ford Ranger Raptor$9,501$4,750$792
18Ford Super Duty$10,102$5,051$842
18Ford Transit$8,223$4,111$685

Cost to insure a Ford, by model, for 40-year-olds

AgeMake ModelAnnual ratesSix-month ratesMonthly rates
40Ford Bronco$2,242$1,121$187
40Ford Bronco Raptor$2,606$1,303$217
40Ford Bronco Sport$2,173$1,086$181
40Ford Edge$2,190$1,095$183
40Ford Escape$2,113$1,057$176
40Ford Escape Hybrid$2,163$1,082$180
40Ford Expedition$2,605$1,303$217
40Ford Explorer$2,357$1,179$196
40Ford F-150$2,458$1,229$205
40Ford F-150 Lightning$2,743$1,372$229
40Ford F-150 Raptor$2,682$1,341$223
40Ford Maverick$2,118$1,059$177
40Ford Mustang$2,901$1,451$242
40Ford Mustang Mach-E$2,851$1,426$238
40Ford Ranger$2,156$1,078$180
40Ford Ranger Raptor$2,637$1,319$220
40Ford Super Duty$2,815$1,407$235
40Ford 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.

StateAnnual ratesSix-month ratesMonthly 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

Which body styles are cheaper or more expensive to insure?

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

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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

  1. Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
  2. 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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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.