Buy Cheap Ford Auto Insurance in (2023)
Ford auto insurance costs an average of $142/mo for a full coverage policy, though cheap Ford auto insurance rates vary by model. The Ford Escape has the cheapest full coverage rates at $117/mo, whereas the Ford Mustang has the most expensive full coverage rates at $167/mo.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
UPDATED: Sep 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
On This Page
- On average, the Ford Mustang is one of the most expensive Ford models to purchase insurance for
- Some of the cheaper models to purchase insurance for are the Ford Escape and Ford Fiesta
- The best way to find cheap Ford auto insurance is to shop around for auto insurance quotes
Ford has numerous different models, all of which will vary slightly in what cheap Ford auto insurance rates they offer. If you choose a more expensive Ford model, it will cost a little more to insure than a cheaper model. Your Ford car insurance rates will also depend upon your driving record, choice of an insurance company, and other factors.
If you want to learn all about how to find cheap Ford auto insurance, whether you already own a Ford or are looking to buy one, read on. We go over everything you need to know about the best Ford auto insurance and how to buy cheap auto insurance.
Types of Ford Auto Insurance
When deciding what coverages you’ll need for your Ford, the first thing to do is check your state’s mandated coverages. You can read our guide on the minimum auto insurance required by state to see what your state requires. Usually, states will require some combination of the following types of auto insurance coverage listed below.
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- Bodily injury liability insurance: This type of liability auto insurance will pay for another party’s medical bills, up to the policy limit, if you hit another car and injure people.
- Medical payments (MedPay) insurance: This insurance will help pay for your medical bills, up to the policy limit, if you or your passengers suffer injuries in a car accident.
- Personal injury protection (PIP) insurance: This coverage helps pay for your medical bills, lost wages, and other injury-related costs if you or your passengers are injured in a car accident. Learn more: Buying Personal Injury Protection (PIP) Auto Insurance Coverage
- Property damage liability insurance: This coverage covers other parties’ repair bills if you hit another car or hit an object and damage it.
- Underinsured motorist insurance: This coverage will help cover your accident bills if the driver who hit your car doesn’t have enough insurance to cover your costs completely.
- Uninsured motorist auto insurance: This coverage will pay your bills up to the policy limit if the driver who hit your car doesn’t have auto insurance (read more: Buying Uninsured Motorist (UM) Coverage).
All other auto insurance coverages are optional, with the exception of if you have a lease or loan on your vehicle. Then, your lender will require you to carry comprehensive and collision insurance, which we generally recommend most drivers carry anyways.
These two coverages are important because they cover your own car’s repairs, which state-mandated liability insurance does not. Collision car insurance will pay for your Ford’s repairs if you hit another car with your Ford or hit an object and damage it. On the other hand, comprehensive car insurance will cover your Ford’s repairs after damages from animal collisions, falling objects, vandalism, and weather.
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Average Ford Auto Insurance Rates
So how much will all the coverages you need to carry on your Ford cost? Below, you can see the average liability, comprehensive, and collision insurance rates based on different Ford models.
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Ford Taurus | $33 | $58 | $42 | $149 |
| 2023 Ford Mustang | $35 | $72 | $42 | $167 |
| 2023 Ford Fusion Hybrid | $32 | $66 | $47 | $164 |
| 2023 Ford Fusion Energi | $34 | $63 | $37 | $149 |
| 2023 Ford Fusion | $34 | $63 | $37 | $149 |
| 2023 Ford Focus ST | $27 | $52 | $42 | $137 |
| 2023 Ford Focus RS | $32 | $64 | $42 | $153 |
| 2023 Ford Focus | $24 | $52 | $42 | $133 |
| 2023 Ford Flex | $32 | $55 | $42 | $145 |
| 2023 Ford Fiesta | $22 | $41 | $42 | $121 |
| 2023 Ford F-350 | $34 | $58 | $52 | $165 |
| 2023 Ford F-250 Super Duty | $32 | $61 | $47 | $158 |
| 2023 Ford F-150 | $32 | $47 | $37 | $132 |
| 2023 Ford Explorer | $31 | $47 | $37 | $131 |
| 2023 Ford Expedition | $34 | $53 | $32 | $132 |
| 2023 Ford Escape | $28 | $44 | $32 | $117 |
| 2023 Ford Edge | $27 | $50 | $37 | $130 |
| 2023 Ford C-Max Hybrid | $27 | $55 | $42 | $140 |
| 2023 Ford C-Max Energi | $28 | $58 | $42 | $144 |
Is Ford Mustang considered a sports car for insurance? One of the more expensive Ford models to insure is the Ford Mustang, as it is a sports car and therefore considered a higher risk to insure by companies. Ford models that are generally cheaper to insure will include the Ford Escape and Ford Fiesta, neither of which is a sports car.
In addition to which Ford model you choose, insurance companies will also consider your age and driving record. Below, you can see average rates for Ford models based on these factors.
| Vehicle Model | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|---|
| 2023 Ford Taurus | $544 | $337 | $155 | $149 | $136 | $133 |
| 2023 Ford Mustang | $609 | $377 | $174 | $167 | $152 | $149 |
| 2023 Ford Fusion Hybrid | $601 | $373 | $172 | $164 | $150 | $147 |
| 2023 Ford Fusion Energi | $545 | $338 | $156 | $149 | $136 | $133 |
| 2023 Ford Fusion | $545 | $338 | $156 | $149 | $136 | $133 |
| 2023 Ford Focus ST | $500 | $310 | $143 | $137 | $125 | $122 |
| 2023 Ford Focus RS | $560 | $348 | $160 | $153 | $140 | $137 |
| 2023 Ford Focus | $487 | $302 | $139 | $133 | $122 | $119 |
| 2023 Ford Flex | $528 | $328 | $151 | $145 | $132 | $129 |
| 2023 Ford Fiesta | $440 | $273 | $126 | $121 | $110 | $108 |
| 2023 Ford F-350 | $601 | $373 | $172 | $165 | $150 | $147 |
| 2023 Ford F-250 Super Duty | $577 | $358 | $165 | $158 | $144 | $141 |
| 2023 Ford F-150 | $483 | $300 | $138 | $132 | $121 | $118 |
| 2023 Ford Explorer | $478 | $296 | $137 | $131 | $119 | $117 |
| 2023 Ford Expedition | $482 | $299 | $138 | $132 | $120 | $118 |
| 2023 Ford Escape | $427 | $265 | $122 | $117 | $107 | $104 |
| 2023 Ford Edge | $473 | $294 | $135 | $130 | $118 | $116 |
| 2023 Ford C-Max Hybrid | $511 | $317 | $146 | $140 | $127 | $125 |
| 2023 Ford C-Max Energi | $526 | $326 | $150 | $144 | $131 | $129 |
Drivers with poor driving records and younger drivers are charged more on average for Ford auto insurance because insurance companies view them as higher-risk drivers who are more likely to file an auto insurance claim. Young drivers lack driving experience, and drivers with traffic tickets, DUIs, and at-fault accidents are more likely to file claims.
How to Save on Ford Auto Insurance
So what can you do to lower your Ford auto insurance rates? Some of your saving options are as follows:
- Bundle your auto insurance with another insurance. Most insurance companies let you bundle your auto insurance with another insurance, like home insurance, for a bundling discount.
- Increase your insurance deductibles. Insurance companies lower rates if you increase your auto insurance deductible, although make sure you will still be able to pay the deductible out-of-pocket.
- Maintain a low annual mileage. Drivers who drive fewer than 10,000 miles annually are often rewarded with low rates or a low-mileage auto insurance discount for being on the road less means a lower likelihood of crashing and filing a claim.
- Maintain a clean driver’s record. Insurance companies will charge less for drivers with driving records free of DUIs, traffic tickets, and at-fault accidents.
Another major saving tip is to shop around for auto insurance quotes for your Ford. Companies are always competing with each other to offer the lowest rates. Companies can also change rates drastically if you change your address, add a car, get a ticket, or have other major changes to your policy. So a company that was the cheapest for your Ford a year ago may no longer be the best company for you.
The Final Word on Ford Auto Insurance
It is usually fairly inexpensive to insure the majority of Ford models, but rates will depend on your driving record and other factors. If you find your Ford rates too high, make sure you apply for auto insurance discounts and shop around for Ford car insurance quotes.
To jump right into finding the cheapest auto insurance for your Ford, use our free quote comparison tool to get Ford auto insurance quotes. It will compare rates from companies in your area based on your coverage needs to help you buy the best cheap Ford auto insurance.
Frequently Asked Questions
Are Fords expensive to insure?
Most Ford models have average auto insurance rates compared to other car brands. Your exact rates will depend on your choice of auto insurance company, driving record, age, location, and other rate-determining factors.
What auto insurance company does Ford use?
Ford offers auto insurance through Ford Insure. Nationwide Mutual Insurance Company underwrites its policies.
Are Ford vehicles more expensive to insure compared to other car brands?
The cost of insurance for Ford vehicles can vary depending on the specific model, year, and other factors. While some Ford models may have higher insurance premiums due to factors such as their popularity, cost of repairs, or theft rates, others may have more affordable Ford auto insurance rates. It’s best to compare insurance quotes and consider multiple factors when determining the overall cost of insurance for a Ford vehicle.
What factors can affect the cost of auto insurance for Ford vehicles?
Several factors can impact the cost of auto insurance for Ford vehicles. These factors include your driving record, age, location, annual mileage, coverage limits, deductible amount, the model and year of your Ford, and any additional features or modifications. Insurance providers also consider the frequency and cost of repairs for the specific Ford model when calculating premiums.
Can I get specialized insurance for classic or vintage Ford cars?
Yes, if you own a classic or vintage Ford car, there are specialized insurance options available to protect your vehicle. Classic car insurance is designed specifically for older vehicles and offers coverage tailored to their unique needs, such as agreed value coverage, flexible usage restrictions, and coverage for spare parts and restoration costs.
It’s advisable to contact insurance providers that specialize in classic car insurance to ensure you have the appropriate auto insurance ecoverage for your vintage Ford.
Should I notify my insurance provider if I make modifications to my Ford vehicle?
Yes, it’s important to inform your insurance provider if you make any modifications to your Ford vehicle. Modifications can include changes to the engine, exhaust system, suspension, or appearance enhancements. Some modifications may increase the value of your vehicle or affect its performance, which can impact your insurance coverage and premiums. Notifying your insurance provider allows them to assess the changes and adjust your Ford auto insurance policy accordingly to ensure you have adequate coverage.
Can I switch my auto insurance provider for my Ford vehicle?
Yes, you have the option to switch your auto insurance provider for your Ford vehicle. Before making the switch, it’s important to review your current policy, compare Ford car insurance quotes from different insurance companies, and ensure that the new policy meets your coverage needs and budget.
Are Ford Fusions expensive to insure?
The average cost of a full coverage policy for a Ford Fusion is $149/mo.
Are Broncos expensive to insure?
The Ford Bronco will have similar car insurance rates to other Ford models.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.