Ford Car Insurance: How Much Is Ford Insurance? 2024
The average monthly cost to insure a Ford is $189, which adds up to about $2,272 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Ford, established by Henry Ford in 1903, is an American automaker known for producing a wide range of vehicles, including trucks, SUVs, and affordable cars, and is credited with revolutionizing the industry through assembly line production. The cost of insuring a Ford depends on various factors. Your age, driving history, and location significantly influence your car insurance premium.
Insurers use this data to evaluate the risk of providing coverage for your Ford. The average cost to insure a Ford is $2,272 per year.
How Much Does Ford Insurance Cost?
The average cost to insure a Ford is $189 per month, totaling approximately $2,272 per year. However, your insurance rate may vary depending on factors such as your age, location, driving record, and the specific Ford model you own.
Average Ford Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Ford, across all models, is $2,272 per year.
The Ford Transit is the cheapest model to insure, at $1,940 per year. On the other hand, the Ford Expedition is the most expensive, at an average of $2,577 per year.
Use the table below to compare insurance rates for Ford models.
| Ford Model | Average Yearly Insurance Cost |
| Ford Ecosport | $2,050 |
| Ford Edge | $2,145 |
| Ford Escape | $1,980 |
| Ford Expedition | $2,577 |
| Ford Explorer | $2,373 |
| Ford F-150 | $2,320 |
| Ford F-250 Super Duty | $2,539 |
| Ford Mustang | $2,542 |
| Ford Ranger | $2,261 |
| Ford Transit | $1,940 |
Keep in mind that these numbers are just averages, and the actual cost can change based on your location, age, driving record, and the coverage you select.
Are Fords Expensive To Insure?
The national average car insurance cost is $156 per month, while insuring a Ford averages $189 per month across all models—a noticeable increase. However, insurance rates are typically based on the specific car model rather than the brand, so it’s important to review rates tailored to your vehicle.
Ford Ecosport Insurance Cost
The average cost of insuring a Ford Ecosport across all model years, is $594 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 Ford Ecosport | $701 |
| 2021 Ford Ecosport | $634 |
| 2020 Ford Ecosport | $593 |
| 2019 Ford Ecosport | $571 |
| 2018 Ford Ecosport | $469 |
Ford Edge Insurance Cost
The average cost of insuring a Ford Edge across all model years, is $962 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Ford Edge | $1,590 |
| 2023 Ford Edge | $1,320 |
| 2022 Ford Edge | $725 |
| 2021 Ford Edge | $542 |
| 2020 Ford Edge | $633 |
Ford Escape Insurance Cost
The average cost of insuring a Ford Escape across all model years, is $800 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Ford Escape | $1,238 |
| 2023 Ford Escape | $948 |
| 2022 Ford Escape | $676 |
| 2021 Ford Escape | $544 |
| 2020 Ford Escape | $595 |
Ford Expedition Insurance Cost
The average cost of insuring a Ford Expedition across all model years, is $1,236 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Ford Expedition | $2,488 |
| 2022 Ford Expedition | $860 |
| 2021 Ford Expedition | $924 |
| 2020 Ford Expedition | $943 |
| 2019 Ford Expedition | $967 |
Ford Explorer Insurance Cost
The average cost of insuring a Ford Explorer across all model years, is $883 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Ford Explorer | $1,647 |
| 2023 Ford Explorer | $1,035 |
| 2022 Ford Explorer | $661 |
| 2021 Ford Explorer | $666 |
| 2020 Ford Explorer | $406 |
Ford F150 Insurance Cost
The average cost of insuring a Ford F150 across all model years, is $764 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Ford F150 | $1,145 |
| 2023 Ford F150 | $747 |
| 2022 Ford F150 | $647 |
| 2021 Ford F150 | $640 |
| 2020 Ford F150 | $641 |
Ford F250 Insurance Cost
The average cost of insuring a Ford F250 across all model years, is $1,420 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Ford F250 | $2,875 |
| 2023 Ford F250 | $1,433 |
| 2022 Ford F250 | $986 |
| 2021 Ford F250 | $921 |
| 2020 Ford F250 | $884 |
Ford Mustang Insurance Cost
The average cost of insuring a Ford Mustang across all model years, is $1,016 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Ford Mustang | $1,043 |
| 2023 Ford Mustang | $998 |
| 2022 Ford Mustang | $1,249 |
| 2021 Ford Mustang | $1,075 |
| 2020 Ford Mustang | $717 |
Ford Ranger Insurance Cost
The average cost of insuring a Ford Ranger across all model years, is $2,299 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Ford Ranger | $8,146 |
| 2023 Ford Ranger | $1,009 |
| 2022 Ford Ranger | $789 |
| 2021 Ford Ranger | $649 |
| 2020 Ford Ranger | $901 |
Ford Transit Insurance Cost
The average cost of insuring a Ford Transit across all model years, is $1,549 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Ford Transit | $1,783 |
| 2022 Ford Transit | $1,775 |
| 2021 Ford Transit | $1,690 |
| 2020 Ford Transit | $1,327 |
| 2019 Ford Transit | $1,172 |
Ford Car Insurance Cost – By Driver Age
The rates you pay to insure a Ford will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $8,174 |
| 18 | $7,626 |
| 19 | $6,734 |
| 20 | $5,866 |
| 21 | $4,932 |
| 22 | $4,788 |
| 23 | $4,190 |
| 24 | $3,994 |
| 25 | $3,445 |
| 30 | $2,676 |
| 35 | $2,505 |
| 40 | $2,413 |
| 45 | $2,342 |
| 55 | $2,163 |
| 65 | $2,255 |
| 75 | $2,831 |
Average Ford Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $117 |
| State Farm | $143 |
| Progressive | $138 |
| Allstate | $152 |
| USAA | $148 |
| Nationwide | $160 |
| Farmers | $126 |
Average Ford Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,552 |
| Alaska | $2,109 |
| Arizona | $2,384 |
| Arkansas | $2,628 |
| California | $2,927 |
| Colorado | $2,720 |
| Connecticut | $3,483 |
| Delaware | $2,887 |
| Florida | $3,434 |
| Hawaii | $1,112 |
| Idaho | $1,950 |
| Illinois | $2,022 |
| Indiana | $2,093 |
| Iowa | $1,663 |
| Kansas | $2,208 |
| Kentucky | $3,181 |
| Louisiana | $4,089 |
| Maine | $1,536 |
| Maryland | $2,500 |
| Massachusetts | $2,008 |
| Michigan | $4,827 |
| Minnesota | $1,992 |
| Mississippi | $2,395 |
| Missouri | $2,272 |
| Montana | $2,292 |
| Nebraska | $1,937 |
| Nevada | $3,214 |
| New Hampshire | $2,224 |
| New Jersey | $2,462 |
| New Mexico | $2,517 |
| New York | $2,322 |
| North Carolina | $1,436 |
| North Dakota | $1,967 |
| Ohio | $1,768 |
| Oklahoma | $2,799 |
| Oregon | $2,550 |
| Pennsylvania | $2,155 |
| Rhode Island | $3,596 |
| South Carolina | $2,433 |
| South Dakota | $2,189 |
| Tennessee | $2,584 |
| Texas | $2,600 |
| Utah | $2,211 |
| Vermont | $1,704 |
| Virginia | $1,610 |
| Washington | $2,111 |
| West Virginia | $2,127 |
| Wisconsin | $2,132 |
| Wyoming | $1,983 |
| Georgia | $2,799 |
How To Save Money On Ford Car Insurance?
Owning a Ford comes with various costs, and car insurance is one of the largest. However, there are ways to save on your insurance. Here’s how:
Maintain a Clean Driving Record
Your driving history is important to insurance companies when setting your premium. By avoiding accidents and traffic tickets, you show insurers that you’re a low-risk driver, which can significantly lower your insurance costs.
Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, such as home and auto insurance. This not only simplifies managing your insurance but also saves you money on premiums.
Raise Your Deductible
Raising your deductible—the amount you pay out of pocket before your insurance kicks in—can lower your premium. Just make sure you can afford the higher deductible if you have an accident.
Install Safety Features
Ford vehicles come with many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
Take Advantage of Discounts
Insurance companies often offer discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Ask your insurer about any discounts you might qualify for.
Shop Around
Insurance premiums can vary widely between different providers. It’s important to compare quotes and choose the insurer that offers the best value for your needs.
Consider Usage-Based Insurance
If you don’t drive your Ford often, think about usage-based insurance. This type of policy bases your premium on how much you drive, potentially saving you money if your Ford isn’t your main vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive Ford Model To Insure?
At $2,577 per year, the Ford Expedition is the most expensive Ford model for car insurance.
What Is The Cheapest Ford Model To Insure?
The Ford Transit is the cheapest model for car insurance, at $1,940 per year.
