Ford Maverick Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Ford Maverick are $1,382 annually with full coverage. Comprehensive insurance costs on average $284 each year, collision costs $524, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $2,996 or more. Teen drivers receive the highest rates at $5,192 a year or more.
Average premium for full coverage: $1,382
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Maverick models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $474 for minimum levels of liability insurance to a high rate of $2,996 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas.
The graphic below illustrates how location helps determine car insurance rates.
These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details estimated Ford Maverick insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $795
- Raising to $1,000 deductibles will save around $184 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,382
- Choosing low deductibles costs an additional $356 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,996 or more
- The cost with full coverage for a 16-year-old driver may cost $5,192
Auto insurance rates for a Ford Maverick can also vary considerably based on the trim level of your Maverick, your driving record, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $540 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Ford Maverick insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,870 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,062 | -$320 | -23.2% |
| Arizona | $1,148 | -$234 | -16.9% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,574 | $192 | 13.9% |
| Colorado | $1,322 | -$60 | -4.3% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,564 | $182 | 13.2% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $992 | -$390 | -28.2% |
| Idaho | $934 | -$448 | -32.4% |
| Illinois | $1,030 | -$352 | -25.5% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,886 | $504 | 36.5% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,106 | -$276 | -20.0% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,156 | -$226 | -16.4% |
| Mississippi | $1,656 | $274 | 19.8% |
| Missouri | $1,226 | -$156 | -11.3% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,090 | -$292 | -21.1% |
| Nevada | $1,656 | $274 | 19.8% |
| New Hampshire | $996 | -$386 | -27.9% |
| New Jersey | $1,544 | $162 | 11.7% |
| New Mexico | $1,224 | -$158 | -11.4% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,130 | -$252 | -18.2% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,420 | $38 | 2.7% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$64 | -4.6% |
| Rhode Island | $1,842 | $460 | 33.3% |
| South Carolina | $1,252 | -$130 | -9.4% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,210 | -$172 | -12.4% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Maverick | $294 | $536 | $398 | $1,386 |
| 2023 Ford Maverick | $284 | $524 | $416 | $1,382 |
| 2022 Ford Maverick | $274 | $502 | $430 | $1,364 |
Rates are averaged for all Ford Maverick models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Ford Maverick Insurance
Saving money on insurance for a Ford Maverick consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a recap of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents pay an average of $1,610 more each year than a safer driver
- You may be able to save as much as $170 per year simply by quoting online in advance
- Increasing deductibles could save up to $550 each year
- Insureds who require an increased level of liability coverage will pay about $460 every year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,192 |
| 20 | $3,198 |
| 30 | $1,440 |
| 40 | $1,382 |
| 50 | $1,264 |
| 60 | $1,240 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,574 |
| $500 | $1,382 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,465 |
| 100/300 | $1,569 |
| 250/500 | $1,840 |
| 100 CSL | $1,507 |
| 300 CSL | $1,736 |
| 500 CSL | $1,902 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,402 |
| 20 | $5,090 |
| 30 | $3,060 |
| 40 | $2,996 |
| 50 | $2,860 |
| 60 | $2,834 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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