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Ford Insurance Rates

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Average insurance cost for a Ford

The average insurance cost for a Ford can vary a great deal depending on the model you select. You can expect to pay anywhere from $157 to $245 a month. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors.

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How a vehicle from Ford affects the cost of insurance

The general affordability of Fords make them affordable to insure. However, their higher-than-average theft rates negatively impact the cost of car insurance.

Other factors that affect the cost of insurance include the model, mileage and trim package.

Ford car insurance rates by model

Model Monthly insurance rate Base car price
C-Max $238 $36,620
Edge $173 $25,905
Escape $178 $22,405
Expedition $172 $20,000
Explorer $171 $55,450
F-150 $157 $16,975
F-250 $167 $23,100
F-350 $245 $30,745
F-450 $166 $27,500
Fiesta $180 $13,660
Flex $171 $30,025
Focus $238 $16,775
Fusion $178 $22,610
GT $245 $450,000
Mustang $166 $25,185
Taurus $173 $27,345
Transit Connect $172 $23,010
EcoSport $130 $20,990

Ford roadside assistance

New Fords built in 2007 or newer get free roadside assistance for up to 5 years or 60,000 miles, whichever comes first. Ford increased this benefit from the 3-year, 36,000 mile coverage from 2006 models and older.

The Ford roadside assistance service includes:

  • Towing up to 35 miles to the nearest Ford dealership
  • Battery jump start
  • Flat tire change if you have a spare
  • Gas delivery if you run out of fuel, including 2 gallons of gas or 5 gallons of diesel
  • Lockout if you lost your key

To use Ford roadside assistance, call Ford’s 24/7 roadside hotline at 1-800-241-3673. You’ll need to provide your vehicle’s make, model, color, VIN and license plate number when you call.

New Ford drivers can skip adding this coverage to a car insurance policy. Drivers with older Fords that no longer have roadside warranty coverage can still use Ford’s roadside and towing coverage for a one-time fee, or you can add on roadside assistance to your car insurance policy to benefit from roadside help when you need it.

Get car insurance for your Ford

Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA

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Pros and cons of insuring a Ford

Pros

  • Moderately priced
  • Most models get great safety ratings
  • Reliable brand

Cons

  • Some models have high theft rates

Ford car facts

  • Ford was founded in 1903 — the first model was sold that same year for $850.
  • Ford is the second largest car manufacturer, after General Motors, in the United States and the fifth largest automotive company in the world..
  • Currently, a descendant of Henry Ford is the executive chairman of the company.
  • Ford prices start at $14,000 and can go up to $450,000.
  • Ford sells the most luxury cars under the Lincoln brand. The first model was sold that same year for $850.
  • In 2015, there were over 2.6 million Ford models sold in the United States. Ford sales took up approximately 15% market share of all American cars sold.

Are there any standout Ford models?

The Shelby GT350 is all about speed and performance. This racing machine is powered by a 5.2L V8 engine with a flat-plane crank that produces 526 hp and 429 lb.-ft. of torque. Shelby GT350’s MagneRide Damping System monitors and adjusts itself one thousand times per second. Other features include 19-inch carbon fiber wheels, a carbon-fiber rear wing and a larger front splitter. Prices start at $57,240.

About the Ford brand

The Ford Motor Company was established in 1903, and was already turning a profit that same year. A few years later, Ford introduced its famous Model T car. It became one of the best-selling cars of all time.

After acquiring Lincoln in 1922, its high-end luxury brand, Ford continued to produce many classics, including the Thunderbird, Mustang and F-150. Today, Fords are still an American favorite and one of the most popular brands on the road.

What’s the GT350 Track Attack?

The GT350 Track Attack is a one-day track/classroom driving experience for Shelby GT350 and GT350R owners. Track Attack is included with the purchase of any 2017 or 2018 Shelby GT350 or GT350R. Drivers will learn braking and cornering techniques, proper driving posture and seating position, and high-performance driving skills.

Ford competitors

Looking for other car brands? Find other car manufacturers that are similar to Ford, or compare makes that are completely different.

Compare all car makes

Bottom line

Ford’s brand reputation and affordable prices make its cars affordable to insure. But be sure to shop around to find the best car insurance for you.

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Compare the best car insurance companies near you.

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Frequently asked questions about Ford

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Julia Cameron

Julia Cameron is a writer and editor at finder.com who has experience writing in a variety of fields, including finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

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