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Ford Insurance Rates

What to expect when insuring a Ford

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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

Are there any standout 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.

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

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.

Ford car facts

  • Ford was founded in 1903 — the first model was sold that same year for $850.
  • Ford is the second largest family owned 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.

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.

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.

Companies that provide coverage for Ford

You’ll have no trouble finding insurance coverage for your new car. A wide variety of companies will insure your Ford. Compare a few below.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
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.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
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 CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Ford competitors

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

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