Ford insurance rates

Fords tend to be cheaper to insure than other makes, unless you drive a sportscar

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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, with such a wide lineup from hatchbacks and pickups to sportscars. 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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Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
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  • Multiple discounts available
  • Transparent quoting

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Get car insurance for your Ford

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
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.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
Optional
Yes
All 50 states
Get personalized, one-on-one support from your local State Farm agent. Start your policy today at 877-745-0232.
40%
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.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
10%
IL, IN, MD, 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.

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How to compare Ford 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.

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

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Ford car facts

  • Ford was founded in 1903 — the first model was sold that same year for $850, the Model T. It became one of the best-selling cars of all time.
  • 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.
  • After acquiring Lincoln in 1922, its high-end luxury brand, Ford continued to produce many classics, including the Thunderbird, Mustang and F-150.

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.

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.

Frequently asked questions about Ford

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