Ford's monthly insurance costs are $47 for state minimum coverage and $121 for full coverage. The automaker ranks 10th for full coverage and 11th for minimum coverage in our affordability study.
Ford Car Insurance
Updated: June 18, 2025
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Key Takeaways
State Farm and GEICO offer the best and cheapest overall car insurance for Ford vehicles with rates starting at $36 monthly.
Ford auto insurance costs range from $411 to $1,539 annually for most drivers, but this can depend on various factors like age, model and coverage type chosen.
Ford car insurance is generally more affordable than most top automotive brands, ranking 10th out of 23 automakers we studied for both minimum and full coverage.
How Much Is Ford Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $47 | $563 | 11th |
Full Coverage | $121 | $1,446 | 10th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models for models referenced on this page.
Ford Car Insurance Cost by Model
Through our research, we found the most expensive Ford model to insure is the Ford Focus, with average monthly rates of $57 for minimum coverage and $119 for full coverage. The most affordable Ford to insure is the 2011 Ford Escape, costing around $49 per month for minimum coverage and $94 monthly for full coverage.
| Ford F-150 | $619 | $1,248 |
| Ford Expedition | $624 | $1,423 |
| Ford Mustang Ecoboost | $598 | $1,609 |
| Ford Escape | $613 | $1,252 |
| Ford Focus | $662 | $1,338 |
| Ford Mustang Mach E | $584 | $1,563 |
| Ford Taurus | $635 | $1,344 |
| Ford Mustang | $575 | $1,544 |
| Ford Explorer | $629 | $1,319 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012-2022.
Ford Car Insurance Cost by Model Year
It's usually the case that the pricier and newer your car is, the more you'll pay for insurance, and the older and less expensive, the less you'll pay. Below, compare insurance costs for your Ford by model and year.
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Model Year:2009
| Ford Explorer | $660 | $1,181 |
| Ford Escape | $634 | $1,128 |
| Ford Mustang | $555 | $1,205 |
| Ford Focus | $664 | $1,221 |
| Ford F-150 | $644 | $1,140 |
| Ford Taurus | $650 | $1,215 |
| Ford Expedition | $648 | $1,223 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Ford Car Insurance Cost by Age
Costs for insuring a Ford can range from $575 to $6,312 annually, depending on your age and the coverage you choose. Teens often face the highest rates, but as you approach 60, these costs typically go down. After 60, expect a slight uptick in insurance expenses. Below is a table showing how age impacts Ford insurance costs.
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Age:16
| 16 | $2,990 | $6,312 |
*Rates are for a driver with good credit and no driving violations.
Is Ford Insurance Expensive?
Ford vehicles are towards the slight lower end in terms of affordability, ranking 11th and 10th overall for minimum and full coverage respectively. Ford's competitive value and part costs can make them more affordable to insure compared to luxury brands. Ford drivers also ranked near the bottom for risk in a recent LendingTree study, which could make rates lower.
How Expensive Is Ford Insurance Compared To Similar Vehicles?
To put into perspective how expensive Ford is compared to other similar models, we've compared rates for a 2024 F-150 to comparable pickups in terms of MSRP. We found minimum coverage rates are up to 7% less while full coverage rates are up to 13% less expensive. In states like California, Hawaii, and Massachusetts, car insurance prices can't consider your age. Instead, things like your driving record, your car type, and where you live play a big part.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
$61,778 | $614 | $1,409 | |
$63,380 | $662 | $1,616 | |
$53,158 | $625 | $1,592 | |
$52,340 | $621 | $1,525 |
Cheapest Ford Car Insurance Companies
The cheapest overall car insurance company for Ford vehicles is State Farm, with average monthly rates of $36 for minimum coverage and $144 for full coverage. Other affordable options include GEICO, Nationwide, Travelers, and Allstate.
| State Farm | $36 | $93 |
| GEICO | $40 | $103 |
| Nationwide | $47 | $112 |
| Travelers | $46 | $117 |
| Allstate | $52 | $128 |
Cheapest Car Insurance by Model
While the above companies offer affordable rates, State Farm provides the cheapest insurance for Ford's F-150, Mustang, and Explorer. GEICO, however, is the top pick for affordability with the Ford Escape.
| Ford Escape | State Farm | $35 | $86 |
| Ford Expedition | State Farm | $35 | $97 |
| Ford Explorer | State Farm | $35 | $88 |
| Ford F-150 | State Farm | $37 | $85 |
| Ford Focus | State Farm | $37 | $87 |
| Ford Mustang | State Farm | $37 | $109 |
| Ford Mustang Ecoboost | State Farm | $37 | $102 |
| Ford Mustang Mach E | GEICO | $37 | $103 |
| Ford Taurus | State Farm | $34 | $86 |
Cheapest Ford Car Insurance by Model Year
Explore the table below for the most affordable Ford car insurance tailored to your model and year.
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Model:Ford Escape
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Model Year:2009
| State Farm | $411 | $864 |
| GEICO | $484 | $969 |
| Travelers | $588 | $1,181 |
| Nationwide | $606 | $1,201 |
| Allstate | $649 | $1,178 |
Cheapest Ford Car Insurance by Age
The lowest overall Ford Insurance rates by age vary anywhere from $57 per month to $600 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Ford vehicles.
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Age:40
| State Farm | $481 | $1,116 |
| GEICO | $530 | $1,232 |
| Travelers | $616 | $1,402 |
| Nationwide | $674 | $1,348 |
| Allstate | $680 | $1,532 |
Best Car Insurance for Ford Vehicles
From our research, the best overall companies to insure your Ford with are State Farm, GEICO, Travelers, Nationwide, and Farmers. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| State Farm | 90 |
| GEICO | 88 |
| Travelers | 85 |
| Nationwide | 84 |
| Farmers | 81 |
State Farm: Best for Most Ford Drivers
pros
High customer satisfaction ratings
Lowest rates for most Ford drivers
Extensive discounts for young drivers
cons
Higher rates for Ford Model Y owners
COMPANY HIGHLIGHTS
For Ford vehicles, State Farm has the cheapest rates overall for their vehicles with the lowest possible premiums for all Ford models, regardless of driver profile. What stands out most is its higher-than-average customer service and claims satisfaction, ranking 6th overall for claims and within the top five for overall satisfaction in 42 out of 52 states (top three in 15 out of 50). They also offer particularly attractive discounts for drivers under 25, with reductions for students and a defensive driving program that can save you up to 20%.
GEICO: Best for Discounts
pros
Affordable rates for Ford drivers for all makes and ages
Great customer satisfaction ratings in the North East and for their Usage-based program
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
COMPANY HIGHLIGHTS
While State Farm was the most affordable for Ford models, GEICO offers comparable in every category we studied. Out of all of the providers on our list, GEICO also offers the most extensive discount selections with unique premium reductions for federal employees, military, and younger drivers that can save you up to 25%. For those in New England, Texas and New York the company ranks within the top five for overall customer satisfaction and 2nd nationwide for their usage-based discount program DriveEasy (Which can save you up to 30% on premiums).
Nationwide: Best Car Insurance Coverage Options for Ford Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Low cost full coverage policies for Ford vehicles
Highest-rated usage-based discount program in the country
cons
Expensive minimum coverage policies
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
While not the most affordable for minimum coverage policies, Nationwide is frequently within the top three most affordable full coverage car insurance policies for Ford vehicles. Uniquely, the company offers coverage options for a pay-per-mile car insurance program called SmartMiles and a vehicle value upgrade add-on that replaces your car with a new vehicle of comparable value if your car is totaled. The company also has the best customer satisfaction rating for their usage-based car insurance discount program SmartRide according to J.D. Power (tied for the largest possible discount in the nation of up to 40%)
How to Find the Best Cheap Car Insurance Company for Your Ford
Discover affordable Ford insurance with our straightforward tips.
- 1
Assess your needs
First, find the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive tailored advice and explore your options.
- 2
Research average costs and discounts
Investigate the insurance costs for your make and model to better understand potential savings when comparing quotes from different providers.
- 3
Compare multiple providers
Collect quotes from various insurance providers and compare similar factors such as coverage, deductibles, and limits. Investigate each company's reputation, available discounts, and coverage options to determine which provider aligns best with your needs.
- 4
Consider Ford's insurance program
Consider Ford's insurance program, Ford Insure, is designed specifically for Ford drivers, offering customized coverage and benefits. Nationwide Mutual Insurance Company underwrites it. It uses vehicle data integrated in your car to provide discounts based on your driving behavior.
Ford Auto Insurance Cost: Bottom Line
Ford's insurance costs rank 10th for full coverage and 11th for state minimum, placing them mid-range among U.S. automakers. Affordable options exist. It's smart to compare different providers to snag the best rate.
Ford Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Ford car insurance.
Which insurance company is the cheapest for Ford?
State Farm, GEICO, and Nationwide are among the most budget-friendly for Ford car insurance, offering competitive rates that cater to diverse coverage needs, vehicle models, and driver backgrounds.
How much is Ford car insurance?
Ford car insurance for full coverage averages $1,446 annually or about $121 monthly. For state minimum coverage, the average cost is $563 per year or roughly $47 per month. Costs can vary depending on the model, driver profile, and chosen coverage level.
Is car insurance on a Ford more expensive?
Yes, car insurance for a Ford can be less expensive compared to luxury or high-performance vehicles due to their lower MSRPs and widespread availability of parts, which generally leads to lower repair costs.
Which Ford model is the cheapest to insure?
The Ford Taurus is the cheapest Ford model to insure, largely as a result of its lower value and repair costs.
How We Determined Ford Auto Insurance Costs
We calculated Ford insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance For Fords
To calculate the best car insurance for Ford vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. ""Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.