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Insurance for Ford Vehicles

The next table shows average insurance prices for Ford vehicles. More models are linked at the bottom of this page

Insurance Rates for Ford Vehicles
Vehicle ModelAnnual PremiumMonthly Premium
Ford C-Max Energi$1,478$123
Ford C-Max Hybrid$1,432$119
Ford EcoSport$1,310$109
Ford Edge$1,296$108
Ford Escape$1,170$98
Ford Escape Hybrid$1,478$123
Ford Expedition$1,320$110
Ford Expedition EL$1,440$120
Ford Explorer$1,308$109
Ford F-150$1,322$110
Ford F-250 Super Duty$1,618$135
Ford F-350 Super Duty$1,682$140
Ford Fiesta$1,222$102
Ford Flex$1,486$124
Ford Focus$1,358$113
Ford Focus RS$1,580$132
Ford Focus ST$1,400$117
Ford Fusion$1,492$124
Ford Fusion Energi$1,492$124
Ford Fusion Hybrid$1,644$137
Ford Mustang$1,666$139
Ford Ranger$1,254$105
Ford Taurus$1,532$128
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Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

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Average insurance cost for Ford vehicles
Column chart showing average insurance prices for Ford vehicles range from $815 to $5,196 for full coverage

The prior chart uses the average vehicle rating data for all Ford models in the table above to demonstrate how different rating information can influence auto insurance prices.

Insurance prices for a Ford range considerably based on liability limits and deductibles, your driving record, and the model of your Taurus.

Using high physical damage deductibles can save as much as $590 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more each year

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Ford insurance by deductible and liability limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year.

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than a normal policy.

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Ford insurance by risk and age

Your home state plays a big part in determining prices for Ford insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in Montana, Michigan, and New Jersey.

Ford Vehicle Average Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,278-$136-9.6%
Alaska$1,086-$328-23.2%
Arizona$1,174-$240-17.0%
Arkansas$1,414-$00.0%
California$1,612$19814.0%
Colorado$1,354-$60-4.2%
Connecticut$1,454$402.8%
Delaware$1,602$18813.3%
Florida$1,772$35825.3%
Georgia$1,308-$106-7.5%
Hawaii$1,016-$398-28.1%
Idaho$958-$456-32.2%
Illinois$1,056-$358-25.3%
Indiana$1,064-$350-24.8%
Iowa$956-$458-32.4%
Kansas$1,346-$68-4.8%
Kentucky$1,930$51636.5%
Louisiana$2,096$68248.2%
Maine$874-$540-38.2%
Maryland$1,168-$246-17.4%
Massachusetts$1,134-$280-19.8%
Michigan$2,458$1,04473.8%
Minnesota$1,186-$228-16.1%
Mississippi$1,696$28219.9%
Missouri$1,256-$158-11.2%
Montana$1,520$1067.5%
Nebraska$1,118-$296-20.9%
Nevada$1,696$28219.9%
New Hampshire$1,020-$394-27.9%
New Jersey$1,582$16811.9%
New Mexico$1,252-$162-11.5%
New York$1,490$765.4%
North Carolina$816-$598-42.3%
North Dakota$1,158-$256-18.1%
Ohio$976-$438-31.0%
Oklahoma$1,454$402.8%
Oregon$1,296-$118-8.3%
Pennsylvania$1,350-$64-4.5%
Rhode Island$1,886$47233.4%
South Carolina$1,284-$130-9.2%
South Dakota$1,194-$220-15.6%
Tennessee$1,240-$174-12.3%
Texas$1,706$29220.7%
Utah$1,048-$366-25.9%
Vermont$968-$446-31.5%
Virginia$848-$566-40.0%
Washington$1,094-$320-22.6%
West Virginia$1,296-$118-8.3%
Wisconsin$980-$434-30.7%
Wyoming$1,262-$152-10.7%

Because rates have so much variability, the best way to find out which company is cheapest is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

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U.S. averages for full coverage Ford vehicle insurance

Average Policy Cost $1,414
Comprehensive Premium $322
Collision Premium $562
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Ford models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Ford Vehicle Insurance Rates by Driver Age
Driver AgePremium
16$5,196
20$3,256
30$1,482
40$1,414
50$1,292
60$1,266

Full coverage, $500 deductibles

Rates by Deductible

Ford Vehicle Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,804
$250$1,624
$500$1,414
$1,000$1,214

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Vehicle Insurance Rates for High Risk Drivers
AgePremium
16$7,418
20$5,170
30$3,122
40$3,052
50$2,910
60$2,882

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 $195

Potential Rate Discounts

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

DiscountSavings
Multi-policy$75
Multi-vehicle$72
Homeowner$20
5-yr Accident Free$105
5-yr Claim Free$91
Paid in Full/EFT$66
Advance Quote$70
Online Quote$100
Total Discounts$599
Rate after discounts $815

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

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