1. Vehicles
  2. Ford

Insurance for Ford Vehicles

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

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 ...

Full Bio →

Written by

UPDATED: May 1, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 Model Annual Premium Monthly 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
Get Rates for Your Model Go

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.

View Chart as Image

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

View Chart as Image

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.

View Chart as Image

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
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,278 -$136 -9.6%
Alaska $1,086 -$328 -23.2%
Arizona $1,174 -$240 -17.0%
Arkansas $1,414 -$0 0.0%
California $1,612 $198 14.0%
Colorado $1,354 -$60 -4.2%
Connecticut $1,454 $40 2.8%
Delaware $1,602 $188 13.3%
Florida $1,772 $358 25.3%
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 $516 36.5%
Louisiana $2,096 $682 48.2%
Maine $874 -$540 -38.2%
Maryland $1,168 -$246 -17.4%
Massachusetts $1,134 -$280 -19.8%
Michigan $2,458 $1,044 73.8%
Minnesota $1,186 -$228 -16.1%
Mississippi $1,696 $282 19.9%
Missouri $1,256 -$158 -11.2%
Montana $1,520 $106 7.5%
Nebraska $1,118 -$296 -20.9%
Nevada $1,696 $282 19.9%
New Hampshire $1,020 -$394 -27.9%
New Jersey $1,582 $168 11.9%
New Mexico $1,252 -$162 -11.5%
New York $1,490 $76 5.4%
North Carolina $816 -$598 -42.3%
North Dakota $1,158 -$256 -18.1%
Ohio $976 -$438 -31.0%
Oklahoma $1,454 $40 2.8%
Oregon $1,296 -$118 -8.3%
Pennsylvania $1,350 -$64 -4.5%
Rhode Island $1,886 $472 33.4%
South Carolina $1,284 -$130 -9.2%
South Dakota $1,194 -$220 -15.6%
Tennessee $1,240 -$174 -12.3%
Texas $1,706 $292 20.7%
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.

Additional Ford Vehicles


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 Age Premium
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
Deductible Premium
$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
Age Premium
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.

Discount Savings
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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles