Ford Maverick Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average insurance prices for a Ford Maverick are $1,382 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $284 a year, collision costs $524, and liability costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing $2,996 or more. Teens cost the most to insure at $5,192 a year or more.
Average premium for full coverage: $1,382
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Maverick trim levels.
Price Range Variability
For a driver in their 40's, Ford Maverick insurance rates go from the cheapest price of $474 for just liability insurance to a high of $2,996 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance prices.
The examples above illustrate why it is important to compare prices using their specific location and their own driving history, instead of using averaged prices.
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.
More Rate Details
The chart below illustrates estimated Ford Maverick insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $795
- Using higher $1,000 deductibles will save $1,198 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,382
- Selecting low $100 deductibles for physical damage coverage costs an extra $356 every year
- Drivers with serious driving violations could pay around $2,996 or more
- Policy cost to insure a teen driver can cost $5,192 or more
Car insurance rates for a Ford Maverick also range considerably based on liability limits and deductibles, your risk profile, and the model of your Maverick.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 129% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Ford Maverick insurance prices. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,870 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes will be varied.
| 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 Shop for Cheaper Ford Maverick Insurance
Finding cheaper rates on car insurance requires avoiding accidents and claims, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Invest time comparing rates at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.
The points below are a condensed summary of the primary concepts that were covered in the charts and tables above.
- It is possible to save around $170 per year simply by quoting early and online
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,610 more per year to insure a Ford Maverick
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $433 each month if the policy includes full coverage
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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