Ford's monthly insurance costs are $47 for state minimum coverage and $121 for full coverage. The automaker ranks 10th for full coverage and 11th for minimum coverage in our affordability study.
Ford Car Insurance
Updated: November 27, 2025
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Key Takeaways
State Farm and GEICO offer the best and cheapest overall car insurance for Ford vehicles with rates starting at $36 monthly.
Ford auto insurance costs range from $411 to $1,539 annually for most drivers, but this can depend on various factors like age, model and coverage type chosen.
Ford car insurance is generally more affordable than most top automotive brands, ranking 10th out of 23 automakers we studied for both minimum and full coverage.
How Much Is Ford Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $47 | $563 | 11th |
Full Coverage | $121 | $1,446 | 10th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models for models referenced on this page.
Ford Car Insurance Cost by Model
Through our research, we found the most expensive Ford model to insure is the Ford Focus, with average monthly rates of $57 for minimum coverage and $119 for full coverage. The most affordable Ford to insure is the 2011 Ford Escape, costing around $49 per month for minimum coverage and $94 monthly for full coverage.
| Ford F-150 | $619 | $1,248 |
| Ford Expedition | $624 | $1,423 |
| Ford Mustang Ecoboost | $598 | $1,609 |
| Ford Escape | $613 | $1,252 |
| Ford Focus | $662 | $1,338 |
| Ford Mustang Mach E | $584 | $1,563 |
| Ford Taurus | $635 | $1,344 |
| Ford Mustang | $575 | $1,544 |
| Ford Explorer | $629 | $1,319 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012-2022.
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Ford Car Insurance Cost by Model Year
It's usually the case that the pricier and newer your car is, the more you'll pay for insurance, and the older and less expensive, the less you'll pay. Below, compare insurance costs for your Ford by model and year.
Data filtered by:
2009
| Ford Explorer | $660 | $1,181 |
| Ford Escape | $634 | $1,128 |
| Ford Mustang | $555 | $1,205 |
| Ford Focus | $664 | $1,221 |
| Ford F-150 | $644 | $1,140 |
| Ford Taurus | $650 | $1,215 |
| Ford Expedition | $648 | $1,223 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Ford Car Insurance Cost by Age
Insuring a Ford can cost anywhere from $575 to $6,312 per year, depending on your age and the type of coverage you choose. Teens usually pay the most, while rates generally drop as you move toward your 60s. After that point, premiums may rise slightly. This table shows how age affects Ford insurance costs.
Data filtered by:
16
| 16 | $2,990 | $6,312 |
*Rates are for a driver with good credit and no driving violations.
Is Ford Insurance Expensive?
Ford vehicles are towards the slight lower end in terms of affordability, ranking 11th and 10th overall for minimum and full coverage respectively. Ford's competitive value and part costs can make them more affordable to insure compared to luxury brands. Ford drivers also ranked near the bottom for risk in a recent LendingTree study, which could make rates lower.
How Expensive Is Ford Insurance Compared To Similar Vehicles?
To put into perspective how expensive Ford is compared to similar models, we compared rates for a 2024 F-150 against other pickups with comparable MSRPs. We found that minimum coverage rates are up to 7% lower, while full coverage rates are up to 13% less expensive.
In states like California, Hawaii and Massachusetts, car insurance prices can’t take your age into account. Instead, factors like your driving record, vehicle type and location play a major role.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
$61,778 | $614 | $1,409 | |
$63,380 | $662 | $1,616 | |
$53,158 | $625 | $1,592 | |
$52,340 | $621 | $1,525 |
Cheapest Ford Car Insurance Companies
The cheapest overall car insurance company for Ford vehicles is State Farm, with average monthly rates of $36 for minimum coverage and $144 for full coverage. Other affordable options include GEICO, Nationwide, Travelers, and Allstate.
| State Farm | $36 | $93 |
| GEICO | $40 | $103 |
| Nationwide | $47 | $112 |
| Travelers | $46 | $117 |
| Allstate | $52 | $128 |
Cheapest Car Insurance by Model
State Farm offers the cheapest insurance for the F-150, Mustang and Explorer. GEICO costs less for the Escape.
| Ford Escape | State Farm | $35 | $86 |
| Ford Expedition | State Farm | $35 | $97 |
| Ford Explorer | State Farm | $35 | $88 |
| Ford F-150 | State Farm | $37 | $85 |
| Ford Focus | State Farm | $37 | $87 |
| Ford Mustang | State Farm | $37 | $109 |
| Ford Mustang Ecoboost | State Farm | $37 | $102 |
| Ford Mustang Mach E | GEICO | $37 | $103 |
| Ford Taurus | State Farm | $34 | $86 |
Cheapest Ford Car Insurance by Model Year
Explore the table below for the most affordable Ford car insurance tailored to your model and year.
Data filtered by:
Ford Escape
2009
| State Farm | $411 | $864 |
| GEICO | $484 | $969 |
| Travelers | $588 | $1,181 |
| Nationwide | $606 | $1,201 |
| Allstate | $649 | $1,178 |
Cheapest Ford Car Insurance by Age
The lowest overall Ford Insurance rates by age vary anywhere from $57 per month to $600 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Ford vehicles.
Data filtered by:
40
| State Farm | $481 | $1,116 |
| GEICO | $530 | $1,232 |
| Travelers | $616 | $1,402 |
| Nationwide | $674 | $1,348 |
| Allstate | $680 | $1,532 |
Best Car Insurance for Ford Vehicles
From our research, the best overall companies to insure your Ford with are State Farm, GEICO, Travelers, Nationwide, and Farmers. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
State Farm: Best for Most Ford Drivers
pros
High customer satisfaction ratings
Lowest rates for most Ford drivers
Extensive discounts for young drivers
cons
Higher rates for Ford Model Y owners
COMPANY HIGHLIGHTS
For Ford vehicles, State Farm has the cheapest rates overall for their vehicles with the lowest possible premiums for all Ford models, regardless of driver profile. What stands out most is its higher-than-average customer service and claims satisfaction, ranking 6th overall for claims and within the top five for overall satisfaction in 42 out of 52 states (top three in 15 out of 50). They also offer particularly attractive discounts for drivers under 25, with reductions for students and a defensive driving program that can save you up to 20%.
GEICO: Best for Discounts
pros
Affordable rates for Ford drivers for all makes and ages
Great customer satisfaction ratings in the North East and for their Usage-based program
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
COMPANY HIGHLIGHTS
While State Farm was the most affordable for Ford models, GEICO offers comparable in every category we studied. Out of all of the providers on our list, GEICO also offers the most extensive discount selections with unique premium reductions for federal employees, military, and younger drivers that can save you up to 25%. For those in New England, Texas and New York the company ranks within the top five for overall customer satisfaction and 2nd nationwide for their usage-based discount program DriveEasy (Which can save you up to 30% on premiums).
Nationwide: Best Car Insurance Coverage Options for Ford Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Low cost full coverage policies for Ford vehicles
Highest-rated usage-based discount program in the country
cons
Expensive minimum coverage policies
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
Nationwide ranks among the three cheapest insurers for full coverage on Ford vehicles, though not for minimum coverage. The insurer offers SmartMiles, a pay-per-mile program, and Better Car Replacement, which replaces your totaled car with a newer model. Nationwide's usage-based program SmartRide earned the highest customer satisfaction rating from J.D. Power and offers discounts up to 40%.
How to Find the Best Cheap Car Insurance Company for Your Ford
Find affordable Ford insurance with these tips.
- 1Assess your needs
Figure out the type of coverage that fits you, your comfort level with deductibles, and any optional protections that could help after an accident. You can use our car insurance coverage needs calculator for personalized guidance.
- 2Research average costs and discounts
Look into the usual insurance costs for your Ford model. Knowing the typical price range helps you spot savings when comparing quotes.
- 3Compare multiple providers
Gather quotes from several insurers and compare the same coverage levels, deductibles, and limits. Check each company’s reputation, discount options, and available coverages to find the best fit.
- 4Consider Ford's insurance program
Ford Insure is designed for Ford drivers and offers customized coverage and benefits. It’s underwritten by Nationwide Mutual Insurance Company and uses your vehicle’s data to offer potential discounts based on your driving habits.
Ford Auto Insurance Cost: Bottom Line
Ford ranks 10th for full coverage costs and 11th for minimum coverage, putting it mid-range among U.S. automakers. Compare quotes from multiple insurers to find the best rate.
Ford Car Insurance: FAQ
Our insurance experts answer common questions about Ford car insurance.
Which insurance company is the cheapest for Ford?
State Farm, GEICO and Nationwide offer the lowest rates for Ford vehicles. Costs vary by coverage level, Ford model and driver profile.
How much is Ford car insurance?
Full coverage on a Ford averages $1,446 annually or $121 monthly. Minimum coverage costs $563 per year or $47 per month. Your rate depends on your Ford model, driving record and coverage level.
Is car insurance on a Ford more expensive?
Ford insurance often costs less than luxury or high-performance vehicles. Fords have lower MSRPs and widely available parts, which reduce repair costs and insurance premiums.
Which Ford model is the cheapest to insure?
The Ford Taurus is the cheapest Ford model to insure, largely as a result of its lower value and repair costs.
How We Determined Ford Auto Insurance Costs
We calculated Ford insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance For Fords
To calculate the best car insurance for Ford vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- LendingTree. ""Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.
