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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Ford drivers pay an average of $140 per month for car insurance, $10 less than the national average for all vehicles. Insurance for a Ford often costs less because parts are widely available, and many models come with strong safety ratings.
Regardless of your Ford model, you can lower your auto insurance costs by comparing quotes and asking about discounts. This article breaks down the average rates for Ford vehicles, the cheapest insurers, and how different factors affect your car insurance.
Ford drivers pay an average monthly rate of $98 for liability-only insurance and $181 for full-coverage insurance.
Travelers, State Farm, and Nationwide are some of the best insurers for Ford owners.
Travelers offers the cheapest rate for Ford cars, at $82 per month.
The table below shows the average liability and full-coverage car insurance rates for Ford vehicles compared to the national average for all makes, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Ford | $98 | $181 | $140 |
| All makes | $108 | $198 | $150 |
Ford drivers pay an average of $98 per month for liability coverage and $181 per month for full coverage car insurance. Both averages are slightly cheaper than the averages for all vehicles.
The Ford model you drive affects your average insurance premium. For example, lower-cost vehicles like sedans or compact SUVs are usually cheaper to insure.[1] High-performance models and newer trucks often have higher rates due to their horsepower and theft risk.
Your coverage levels also play an important role in your insurance costs. Basic liability coverage costs less because it only covers damages you cause others. Full coverage is typically more expensive because it offers more financial protection, like comprehensive and collision coverage.
The table below lists the average premiums for various Ford models, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Bronco | $105 | $193 |
| Bronco Sport | $106 | $196 |
| Ecosport | $108 | $200 |
| Edge | $97 | $180 |
| Escape | $88 | $162 |
| Expedition | $102 | $189 |
| Explorer | $94 | $173 |
| F-150 | $95 | $175 |
| Fusion | $118 | $219 |
| Maverick | $120 | $223 |
| Mustang | $138 | $256 |
| Mustang Mach-E | $162 | $301 |
| Ranger | $91 | $168 |
| Transit | $129 | $239 |
| All Ford models | $98 | $181 |
The Ford Escape is the cheapest model to insure, at $162 per month for full coverage and $88 per month for liability coverage. The Mustang Mach-E tops the list, at $301 per month for full coverage and $162 per month for liability coverage. But you can reduce your costs by shopping around and looking for the cheapest car insurance company.
Even though Ford drivers typically pay below-average rates, you always have ways to save on your car insurance. Rates can vary by factors like your location and driving history, so you should compare quotes from multiple companies. Using a car insurance comparison site can save you time and money.
Below are the companies with the lowest average rates for Ford owners, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $82 |
| Farmers | $88 |
| Plymouth Rock Assurance | $91 |
| Root | $92 |
| Nationwide | $96 |
Travelers is the cheapest option overall, with an average monthly rate of $82. But these are just averages, and Travelers may not be the best choice for you. Let’s look at some of the best insurers for different types of drivers.
Every Ford owner’s insurance needs are different, so there’s no one-size-fits-all insurer that’s best for everyone. To help you find the best option for your situation, we picked these insurance companies based on their average Ford premiums, available discounts, customer feedback, and coverage options.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers has some of the most affordable rates for Ford drivers. The insurer also offers a wide variety of discounts, including for buying a hybrid vehicle, paying your premium in full, and owning a home.
That said, coverage options can vary by state, so double-check that Travelers offers the coverage you need where you live. The company also has bad customer reviews on Trustpilot.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is an excellent option for anyone with a good driving history. The company’s Drive Safe & Save program helps safe drivers save up to 30% on their premiums. The insurer also offers a wide range of coverage options, including rideshare coverage.
But State Farm can be more expensive than other companies — especially if you’re a high-risk driver. The company also doesn’t offer gap insurance, so you may want to look elsewhere if you finance your car.
Above-average customer satisfaction[4]
Rideshare coverage available
Gap insurance not available
Can be more expensive for high-risk drivers
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide is the best option for low-mileage drivers looking for ways to save on car insurance. With the SmartMiles program, your premium changes based on your mileage, saving you money if you don’t drive often.
Nationwide isn’t available in every state, though. The company also offers fewer coverage options than some competitors.
Offers pay-per-mile insurance
Affordable rates for Ford drivers
Not available in all 50 states
Rideshare coverage not available
Get rates from 100+ insurers and find the best price for you.
Your location plays a major role in how much you pay to insure your Ford. Local factors like accident rates, weather risks, and repair costs all influence premiums.
The table below lists average Ford car insurance rates by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $92 |
| Arizona | $123 |
| Arkansas | $177 |
| California | $178 |
| Colorado | $145 |
| Connecticut | $281 |
| Delaware | $171 |
| Florida | $180 |
| Georgia | $183 |
| Idaho | $93 |
| Illinois | $115 |
| Indiana | $99 |
| Iowa | $84 |
| Kansas | $113 |
| Kentucky | $180 |
| Louisiana | $167 |
| Maine | $110 |
| Maryland | $254 |
| Massachusetts | $139 |
| Michigan | $216 |
| Minnesota | $139 |
| Mississippi | $139 |
| Missouri | $135 |
| Montana | $112 |
| Nebraska | $130 |
| Nevada | $220 |
| New Hampshire | $85 |
| New Jersey | $146 |
| New Mexico | $107 |
| New York | $355 |
| North Carolina | $69 |
| North Dakota | $107 |
| Ohio | $94 |
| Oklahoma | $120 |
| Oregon | $119 |
| Pennsylvania | $121 |
| Rhode Island | $106 |
| South Carolina | $202 |
| South Dakota | $89 |
| Tennessee | $104 |
| Texas | $164 |
| Utah | $134 |
| Vermont | $100 |
| Virginia | $133 |
| Washington | $103 |
| District of Columbia | $210 |
| West Virginia | $107 |
| Wisconsin | $94 |
| Wyoming | $89 |
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Everyone wants to find cheap car insurance rates, but it’s also important to find the right coverage levels. The amount of car insurance you need depends on factors like your budget, daily mileage, and your vehicle’s value.
Here are a few things to consider when looking for a policy:
Consider your vehicle’s value. If you drive a new or higher-end Ford, you may want to buy full-coverage insurance to offset the higher replacement costs. But if you’ve paid off your car, minimum liability coverage may be enough.
Think about your vehicle usage. If you commute to work or frequently drive long distances, you’ll probably want more comprehensive insurance coverage. Infrequent drivers may be fine with pay-per-mile coverage.
Compare your coverage options. Liability insurance meets your state’s minimum-coverage requirements and covers damages and injuries you cause to others. Full-coverage policies include comprehensive and collision coverage, which cover things like accidents, theft, and weather damage.
Consider your risk tolerance. Choose policy limits and a deductible that meet your budget and risk tolerance requirements. A higher deductible can lower your premium, but it also means higher out-of-pocket costs if you file any insurance claims. Make sure your limits are high enough to protect you if you cause a serious crash.[5]
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Ford vehicles tend to have cheaper car insurance, but there are still ways to bring your premiums down even more. Here are five tips to help you save:
Choose a model with strong safety ratings. Many Ford vehicles qualify for safety-related discounts thanks to features like lane assist, backup cameras, and blind-spot monitoring.
Limit your mileage. If you don’t drive your Ford often, you may be eligible for a low-mileage discount.
Bundle your insurance policies. You can get a multi-policy discount by combining your Ford auto policy with homeowners, renters, or life insurance.
Take advantage of usage-based programs. Many insurers offer telematics programs with discounts of up to 30% or more for safe driving.
Shop around regularly. Rates change frequently, and the cheapest company today might not be the best deal next year. You should always compare quotes before making any policy changes.[6]
Compare quotes for your Ford and save money in seconds.
If you’re considering buying a Ford or looking to lower your current premium, here are some answers to commonly asked insurance questions.
Insuring a Ford costs an average of $140 per month, according to Compare.com data. Ford drivers pay an average of $98 per month for liability-only coverage and $181 per month for full coverage.
Not typically. Car insurance for Ford vehicles costs an average of $140 per month, $10 less than the national average for all vehicles, according to Compare.com data. But your rates can vary depending on factors like your location, age, and coverage needs.
The Ford Escape is typically the cheapest Ford model to insure, with average monthly premiums of $88 for liability coverage and $162 for full coverage, according to Compare.com data.
Travelers offers the lowest average rates for Ford drivers, at $82 per month, according to Compare.com data. But how much you pay for car insurance depends on several factors, including your driving habits and age.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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