How Much is Ford Insurance? Compare Quotes by Model

Ford drivers pay an average of $1,297 per year for auto insurance, which is relatively inexpensive compared to other car brands. That said, Ford insurance costs may vary significantly depending on the actual model. MoneyGeek broke down insurance rates for major Ford models across model years and driver age.

Last Updated: 3/15/2022
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The cost of Ford insurance may change depending on the model. For instance, the average insurance rate for a Ford Escape is $1,157 per year. Meanwhile, a policy for a Ford Mustang Mach-E costs $1,784. To help you find average insurance rates and the cheapest insurance companies for your vehicle, MoneyGeek broke down the costs of all major Ford models.

How Much Ford Insurance Costs on Average - Summary by Model

Various factors can affect your auto insurance premiums. For example, your vehicle’s model will have a huge impact on the cost of your policy. The figures below show the average cost of insuring different Ford models, from cheapest to most expensive:

  • Ford Escape: $1,157 per year
  • Ford F-150: $1,184 per year
  • Ford Explorer: $1,228 per year
  • Ford Focus: $1,253 per year
  • Ford Taurus: $1,279 per year
  • Ford Mustang EcoBoost: $1,359 per year
  • Ford Mustang: $1,571 per year
  • Ford Mustang Mach-E: $1,748 per year

Car models with high manufacturer’s suggested retail price (MSRP) are typically more expensive to insure. Electric vehicles and high horsepower sports cars also tend to have higher insurance rates due to their high repair costs. The likelihood of theft can also lead to more expensive insurance premiums.

Ford Annual Insurance Costs by Model

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Are Fords Expensive to Insure?

Generally, Ford models are cheap to insure. However, insurance costs will be determined based on the car model rather than the brand. MoneyGeek analyzed eight Ford models and found that it is typically the least expensive to insure a Ford Escape. A Ford Mustang EcoBoost has moderate insurance costs, while the Ford Mustang and Ford Mustang Mach-E have higher-than-average premiums.

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WHY FORD COSTS DIFFER BY MODEL

The most affordable Ford model to insure is the Ford Escape. It’s classified as a low-value car with low horsepower, so insurers charge less for its coverage.

The Ford Mustang Mach-E is the most expensive Ford model to insure because it has a high theft rate and is an electric sports car, meaning higher repair costs and higher likelihood of risky driving behavior.

How Much Is Insurance for a Ford Mustang Mach-E?

Based on average car insurance rates, the Ford Mustang Mach-E is expensive to insure. The average cost of insurance for this model is $1,784 per year. It has the most expensive rates out of the eight Ford models analyzed by MoneyGeek.

Progressive is the cheapest widely available insurer for a Ford Mustang Mach-E, at $1,554 per year on average. Meanwhile, Allstate has the most expensive average rate at $2,688 per year.

Ford Mustang Mach-E Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD MUSTANG MACH-E INSURANCE COSTS

Auto insurance premiums for a Ford Mustang Mach-E may vary greatly depending on the coverage level, car’s model year and certain factors unique to you.

How Much Is Insurance for a Ford Mustang?

Generally, the Ford Mustang is expensive to insure. The average cost of auto insurance for this model is $1,571 per year, making it the second most expensive of the eight Ford models analyzed by MoneyGeek.

For a Ford Mustang, the cheapest insurance is from GEICO, with an average cost of $1,359 per year. The most expensive option is Allstate, which has an average rate of $1,927.

Ford Mustang Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD MUSTANG INSURANCE COSTS

The cost of auto insurance for a Ford Mustang can change depending on the model year, level of coverage and factors unique to you.

How Much Is Insurance for a Ford Mustang EcoBoost?

Of the eight Ford models included in MoneyGeek’s analysis, the Ford Mustang EcoBoost is the third most expensive to insure. The average auto insurance rate for this model is $1,359 per year. Compared to other car models and brands, the Ford Mustang EcoBoost has moderate auto insurance rates.

Progressive is the cheapest widely available company for a Ford Mustang EcoBoost, with policies averaging $1,178 annually. Allied has the most expensive annual average rate at $1,872.

Ford Mustang EcoBoost Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD MUSTANG ECOBOOST INSURANCE COSTS

Car insurance premiums for a Ford Mustang EcoBoost and any other model can change depending on driver characteristics, car model year and insurance coverage.

How Much Is Insurance for a Ford Taurus?

The average car insurance rate for a Ford Taurus is $1,279 per year. It is the fifth cheapest to insure of the eight Ford models analyzed by MoneyGeek. It is also relatively inexpensive to insure when compared to other vehicles.

GEICO offers an average rate of $1,201 per year, making it the cheapest widely available insurer for Ford Taurus drivers. The most expensive option is Allstate, at an average rate of $1,504 per year.

Ford Taurus Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD TAURUS INSURANCE COSTS

Auto insurance rates for the Ford Taurus can change depending on your car’s model year, coverage level and characteristics as a driver.

How Much Is Insurance for a Ford Focus?

Ford Focus insurance costs an average of $1,253 per year across all model years. Of the eight Ford models included in MoneyGeek’s analysis, this model ranked fourth in affordability. It is also generally inexpensive to insure compared to other vehicles.

The cheapest widely available insurance company for the Ford Focus is GEICO, with policies averaging $1,043 per year. Allied has the highest average rate at $1,722 per year.

Ford Focus Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD FOCUS INSURANCE COSTS

Insurance costs for the Ford Focus can change due to various factors, including your characteristics as a driver, your car's model year, and the type of coverage you buy.

  • Insurance costs can range from an average of $1,045 to $1,400 per year, depending on the model year of your Ford Focus.
  • Teen drivers typically have higher insurance rates. For instance, an 18-year-old driver with a Ford Focus pays $4,090 per year, on average. However, a 40-year-old will only spend an average of $1,253.
  • For drivers more concerned about service quality rather than the cost of the policy, MoneyGeek ranked the best auto insurance for a Ford Focus based on claims ratings, user satisfaction and financial stability.

How Much Is Insurance for a Ford Explorer?

It costs an average of $1,228 per year to insure a Ford Explorer across all model years. Of the eight Ford models included in MoneyGeek’s analysis, the Ford Explorer is the third cheapest to insure. Compared to other car brands and models, auto insurance for this model is generally inexpensive.

GEICO, which has an average annual rate of $1,062, is the cheapest option for Ford Explorer drivers. Allied offers the most expensive at $1,453 annually.

Ford Explorer Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD EXPLORER INSURANCE COSTS

Ford insurance quotes may vary greatly depending on the model year, driver characteristics and the type of coverage you want.

  • Auto insurance costs may range from $1,009 to $1,336 per year on average, depending on the model year of your Ford Explorer.
  • Rates may also change depending on your age. An 18-year-old driver with a Ford Explorer will pay an average of $4,007 per year, approximately $2,779 more than the average cost for a 40-year-old.
  • If you are looking for the best car insurance for a Ford Explorer without considering insurance premiums, MoneyGeek ranked the top insurance providers for this model based on claims ratings, user satisfaction and financial stability.

How Much Is Insurance for a Ford F-150?

Ford F-150 drivers typically pay an average of $1,184 per year for auto insurance. This model is the second cheapest to insure of the eight Ford models MoneyGeek analyzed. The Ford F-150 is generally inexpensive to insure compared to other vehicles.

The cheapest widely available insurer for a Ford F-150 is GEICO, which has an average rate of $1,097 per year. On the other hand, Allied is the most expensive at $1,435 per year on average.

Ford F-150 Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD F-150 INSURANCE COSTS

Several factors affect the cost of auto insurance for a Ford F-150. Among these are the model year, driver characteristics and coverage level.

How Much Is Insurance for a Ford Escape?

It costs an average of $1,157 per year to insure a Ford Escape across all model years. Based on MoneyGeek’s analysis of eight Ford models, it is the cheapest to insure. Auto insurance for this model is inexpensive compared to other car makes and models.

GEICO offers the cheapest auto insurance for this model at an average rate of $961 per year, while Allied has the most expensive average annual premium at $1,442.

Ford Escape Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT FORD ESCAPE INSURANCE COSTS

Actual auto insurance rates for a Ford Escape depend on the model year, driver characteristics and the type of coverage you choose.

FAQs About Ford Insurance

Ford insurance rates may vary depending on the model and year of the car, which is why many drivers find it confusing. Below are answers to some frequently asked questions to help you get a better idea of how much your insurance rate may be.

Methodology

MoneyGeek collected information about insurance provider rates for Ford vehicles using a sample driver profile. In this scenario, the driver is a 40-year-old male purchasing a full coverage policy with the following coverages:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

Rates represent averages and can provide guidance on what prices to expect but won’t match your specific rates.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.