Buy Cheap Ford Auto Insurance in (2023)
Drivers with clean driving records will be able to find cheap Ford auto insurance easier than drivers with poor driving records. However, rates vary drastically depending on other factors such as age, gender, etc.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
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UPDATED: Feb 26, 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: Feb 26, 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 their average auto insurance rates. If you choose a more expensive Ford model, it will cost a little more to insure than a cheaper model. Your 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 Ford auto insurance and how to buy cheap auto insurance.
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Types of Auto Insurance for Fords
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.
- 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.
- 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.
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 auto 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 auto 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. Find out if auto and motorcycle insurance can be bundled.
- 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. It will compare rates from companies in your area based on your coverage needs to help you buy auto insurance at the most affordable rates.
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.
Is Ford F-150 insurance expensive?
On average, Ford F-150 insurance is usually under $150 per month for a full coverage auto insurance policy, but rates vary drastically depending on your driving record, age, and other factors. The best way to determine how much you will pay for Ford F-150 insurance is to get a few free quotes from different auto insurance companies.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed 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.