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1998 Ford Crown Victoria Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 6, 2020

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Average insurance rates for a 1998 Ford Crown Victoria are $894 a year with full coverage. Comprehensive insurance costs an estimated $132 each year, collision insurance costs $162, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,918 or more. Teen drivers receive the highest rates at up to $3,674 a year.

Annual premium for full coverage: $894

Rate estimates for 1998 Ford Crown Victoria Insurance

Comprehensive $132
Collision $162
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1998 Ford Crown Victoria models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for only liability insurance to a high rate of $1,918 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $894
High Risk $1,918

View Chart as Image

1998 Ford Crown Victoria insurance rates compared
Column chart showing 1998 Ford Crown Victoria insurance prices range from $552 to $3,674 for full coverage

These differences demonstrate why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1998 Ford Crown Victoria Insurance

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Looking for cheaper auto insurance rates for your Ford Crown Victoria? Comparing auto insurance rates online can seem like an uphill battle if you are a beginner to quoting online. But don’t let that discourage you because it’s actually quite easy.

You need to compare rates quite often due to the fact that insurance rates are variable and change quite frequently. Just because you had the best rates for Crown Victoria insurance a few years ago you can probably find a better price now. Block out anything you think you know about auto insurance because we’re going to demonstrate the right way to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have a car insurance policy, you will be able to save some money using these tips. This article will tell you the best way to quote coverages. Nevertheless, consumers must know the way companies determine prices because it can help you find the best coverage.

The method we recommend to get policy rate comparisons is to know the fact most larger insurance companies provide online access to compare rate quotes. The one thing you need to do is provide information like if you have an active license, any included safety features, whether your vehicle is owned or leased, and what your job is. That rating information is instantly submitted to insurance companies and you get price estimates quickly.

To find lower rates now, click here and complete the form.

Lower rates by qualifying for discounts

Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but some may not be applied and must be inquired about prior to getting the savings.

  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
  • Own a Home – Owning a house may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • No Claims – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.

Keep in mind that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will cut your premiums.

For a list of companies offering auto insurance discounts, follow this link.

Free Auto Insurance Comparison

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Car insurance is unique, just like you

When it comes to buying the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • Why am I required to buy liability insurance?
  • When can my company non-renew my policy?
  • Why does it cost so much to insure a teen driver?
  • Do I need motorclub coverage?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance protects you from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

This coverage covers damage to your Crown Victoria resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for EMT expenses, funeral costs, chiropractic care, nursing services and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from flooding, hitting a bird and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1998 Ford Crown Victoria Insurance Rates by City
City Premium
New York City, NY $1,416
Los Angeles, CA $1,527
Philadelphia, PA $1,196
Jacksonville, FL $1,299
Phoenix, AZ $1,042
Chicago, IL $1,199
Houston, TX $1,401
Seattle, WA $872
Columbus, OH $750
Indianapolis, IN $762

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1998 Ford Crown Victoria Insurance Rates by Driver Age
Driver Age Premium
16 $3,674
20 $2,044
30 $906
40 $894
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

1998 Ford Crown Victoria Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,020
$250 $962
$500 $894
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Ford Crown Victoria Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $894
50/100 $982
100/300 $1,093
250/500 $1,380
100 CSL $1,027
300 CSL $1,270
500 CSL $1,447

Full coverage, driver age 40

Rates for High Risk Drivers

1998 Ford Crown Victoria Insurance Rates for High Risk Drivers
Age Premium
16 $5,152
20 $3,256
30 $1,928
40 $1,918
50 $1,836
60 $1,816

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $55
Paid in Full/EFT $30
Advance Quote $38
Online Quote $59
Total Discounts $342
Rate after discounts $552

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1998 Ford Crown Victoria Insurance Rates by State
State Premium
Alabama $810
Alaska $688
Arizona $744
Arkansas $894
California $1,018
Colorado $854
Connecticut $920
Delaware $1,012
Florida $1,120
Georgia $826
Hawaii $642
Idaho $606
Illinois $666
Indiana $674
Iowa $604
Kansas $852
Kentucky $1,220
Louisiana $1,326
Maine $552
Maryland $740
Massachusetts $718
Michigan $1,554
Minnesota $748
Mississippi $1,072
Missouri $794
Montana $962
Nebraska $706
Nevada $1,072
New Hampshire $644
New Jersey $1,000
New Mexico $792
New York $944
North Carolina $514
North Dakota $732
Ohio $620
Oklahoma $920
Oregon $820
Pennsylvania $854
Rhode Island $1,194
South Carolina $810
South Dakota $756
Tennessee $786
Texas $1,078
Utah $664
Vermont $612
Virginia $536
Washington $692
West Virginia $820
Wisconsin $620
Wyoming $798

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