Ford Maverick Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Ford Maverick are $1,382 a year including full coverage. Comprehensive insurance costs around $284 a year, collision insurance costs $524, and liability insurance is $416. A liability-only policy costs around $474 a year, and high-risk insurance costs $2,996 or more. Teenage drivers cost the most to insure at up to $5,192 a year.

Average premium for full coverage: $1,382

Policy rates for type of insurance:

Comprehensive $284
Collision $524
Liability $416

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Maverick trim levels.

Price Range Variability

For a 40-year-old driver, Ford Maverick insurance rates range from the low end price of $474 for the bare minimum liability coverage to a high of $2,996 for a driver who requires high-risk insurance.

Liability Only $474
Full Coverage $1,382
High Risk $2,996

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

Rural Areas $1,037
Small Cities $1,451
Large Cities $1,866

The examples above highlight why it is important to compare rates quotes for a specific zip code, rather than relying on average rates.

Use the form below to get customized rates for your location.

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Additional Rate Information

The chart below breaks down average Ford Maverick insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $795
  • Raising to $1,000 deductibles will save about $1,198 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,382
  • Using low $100 deductibles will cost an additional $356 a year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,996
  • Policy cost that insures a teen driver can be $5,192

View Chart as Image

Ford Maverick insurance cost comparison chart
Column chart showing Ford Maverick insurance prices range from $795 to $5,192 for full coverage

Car insurance rates for a Ford Maverick also range considerably based on the trim level of your Maverick, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,100 a year. View Rates by Age

Your home state also has a big influence on Ford Maverick insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

Ford Maverick Insurance Rates by State
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%

View Chart as Image

Ford Maverick insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $540 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Ford Maverick Insurance Rates by Model Year
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 Find Affordable Ford Maverick Insurance

Finding cheaper rates on Ford Maverick insurance consists of being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices at every other renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the concepts that were illustrated above.

  • High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,610 more every year than a low-risk driver
  • Youthful drivers are the costliest to insure, with premiums being up to $433 each month if full coverage is purchased
  • You may be able to save up to $170 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $550 each year
  • You may be able to save up to $170 per year just by quoting early and online

Rates by Driver Age

Ford Maverick Insurance 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

Ford Maverick Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,574
$500 $1,382
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Ford Maverick Insurance Rates with Different Liability Limits
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

Ford Maverick Insurance 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.

SR-22 Surcharge $193

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
Rate after discounts $795

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

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