Compare Ford Car Insurance Rates

Looking for car insurance for your Ford? You’ve come to the right place. Check out our latest guide below on everything you need to know about car insurance for Ford cars, trucks, and SUVs.

 

by Nick Versaw Updated January 5th, 2022

Ford Motor Company, also known as Ford, is a multinational automobile manufacturer located in Dearborn, Michigan. Since 1903, Ford has been producing automobiles using large-scale production methods, marketing vehicles under the Ford emblem for commercial purposes, and the Lincoln name to accommodate luxury. Ford's notoriety and success can be partially attributed to its innovative style of assembly-line production.

Ford is responsible for classics like the Mustang, F-150, Bronco, Taurus, Model-T, and Thunderbird. If you own any of these or other Ford vehicles, then you know part of the cost associated with it is insurance.

Car insurance costs can add up quickly and that’s where we come in. The best way to make sure you don’t overpay for insurance for your Ford is to compare car insurance rates amongst different companies.

Below you’ll find the average premium for Fords based on the model and the insurance company. Let’s dive right in!

Ford

Bronco
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Bronco Sport
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C-Max
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Crown Victoria
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EcoSport
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Edge
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Escape
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Escape Hybrid
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Expedition
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Explorer
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F-150
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F-250
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F-350
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Fiesta
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Five Hundred
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Flex
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Focus
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Fusion
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Mustang
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Mustang Mach-E
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Ranger
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Taurus
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Transit

Cost of Ford Insurance

On average, the cost to insure a vehicle in the US is $106 per month. But when you drive a Ford, that monthly expense drops slightly to $104 per month. While it isn’t a major difference, it’s good to know that the average cost to insure a Ford is 3% less than what you’d pay for the average vehicle.

It goes without saying that your unique driving record and where you live will significantly impact your car insurance rates, but knowing with a Ford you might save a bit more than with others makes your driving experience just a little bit sweeter. 

Ford Car Insurance Rates by Model

While driving a Ford saves you more than other models in general, the specific model you have impacts that rate as well. Driving a fast sports car often leads to a higher insurance premium that a slow and steady pickup truck for example. That’s why with some models you may be looking at insurance costs that are well above the national average, while others will be less than that.. 

Here’s a closer look at Ford car insurance rates based on the model. 

The Fiesta is a compact car that Ford discontinued in 2019. Since it was a relatively recent model, you can still find plenty of these vehicles in the used car market. If you are driving a Ford Fiesta, you should expect to pay an average of $114 per month for car insurance. 

Car Insurance for Ford Five Hundred

The Ford Five Hundred is a mid-sized sedan last manufactured in 2007. Although you won’t find a new model, there are plenty of used models for sale. Drivers with a Ford Five Hundred will pay an average of $83 per month for car insurance. 

Car Insurance for Ford Flex

The Ford Flex is a spacious SUV that offers the coveted three rows of seating. Unfortunately, Ford discontinued this model in 2019. If you find yourself driving a Ford Flex, you’ll pay an average of $109 per month for car insurance. 

Car Insurance for Ford Focus

The Ford Focus is a smaller vehicle that offers impressive gas mileage. Ford recently stopped manufacturing the Focus, but you’ll find many of these small cars in the used market. When driving a Ford Focus, drivers pay an average of $101 per month for car insurance. 

Car Insurance for Ford Freestar

Ford Freestars are older vans last manufactured in 2007. With a roomy interior, you might enjoy the space it has to offer for your family or other precious cargo. Plus, you can enjoy relatively low car insurance rates. Freestar drivers can expect to pay an average of $73 per month for car insurance which is way below the national average. 

Car Insurance for Ford Freestyle

The Ford Freestyle is a crossover utility vehicle that was initially on the market from 2005-2009.  It was marketed as a better version of the Ford Taurus station wagon, but didn’t last long. Ford Freestyle drivers can expect to pay an average of $76 per month for car insurance. 

Car Insurance for Ford Fusion

The Ford Fusion is yet another discontinued vehicle last manufactured in 2020. Since it is a relatively recent model, you’ll still find many of these on the road. Unfortunately, the average car insurance costs for this vehicle are high in comparison to the national average. If you are driving a Ford Fusion, you can expect to pay an average of $128 per month for car insurance. 

Car Insurance for Ford GT

The Ford GT is an aerodynamic sports car that offers a powerful engine. You’ll likely need to order this car complete with unique configurations straight from the factory. Surprisingly, the Ford GT offers drivers a relatively low average car insurance rate at just $84 per month. 

Car Insurance for Ford Mustang

You can’t mention sports cars without talking about the Ford Mustang. The Mustang is available in both 2 and 4 door versions, with a hardtop or convertible roof.  Whether you go with a classic or newer model you can’t go wrong.  Current Mustang drivers can expect to pay an average of $100 per month for car insurance. 

Car Insurance for Ford Probe

The Ford Probe is a small two-door vehicle discontinued in 1997. You may still find some of these on the used car market. If you find yourself driving a Ford Probe, you may get a steal of a deal for car insurance. On average, Ford Probe drivers pay just $48 per month for car insurance. 

Car Insurance for Ford Ranger

The Ford Ranger was a very popular small truck back in the 1990s. After discontinuing the model in the 2000s, Ford recently revamped the Ranger for a new release in 2019. Since then, the mid-sized truck has regained popularity. If you are driving a Ford Ranger, you can expect to pay an average of just $65 per month for car insurance. 

Car Insurance for Ford Taurus

Ford manufactured the Taurus for over 34 years until recently deciding to discontinue it. While they’re no longer in production, you’re sure to see many on the road and for sale. If you drive a Taurus, you can expect to pay an average of $87 per month for car insurance, which is below the national average. 

Car Insurance for Ford Tempo

The Ford Tempo was a mid-size car last manufactured in 1992. As an older vehicle with few model years, you may not find too many in the used car market. But if you come upon a Ford Tempo, you can expect to save big on car insurance. On average, drivers of Ford Tempos are paying $55 per month for car insurance. 

Car Insurance for Ford Thunderbird

A Ford Thunderbird is a classic sports car first manufactured in 1955. It was a popular vehicle for several decades. Although the vehicle is no longer regularly manufactured, Ford has released several special editions over the years. The latest special edition was released in the early 2000s. 

If you are lucky enough to drive this coveted sports car, you’ll pay an average of $63 per month for car insurance. 

Car Insurance for Ford Transit

The Ford Transit is a full-sized cargo van that can accommodate up to 15 passengers. Large families and businesses alike can appreciate the spacious qualities this van has to offer. Ford Transit drivers pay an average of $131 per month for car insurance. 

Car Insurance for Ford Windstar

Ford last manufactured the Windstar in 2003. The van was a popular option for families in the 1990s. But the limited number of model years makes this a unique find on the used car market. If you find yourself driving a Windstar, you can expect to pay an average of $62 per month for car insurance. 

Ford Car Insurance Rates by Insurance Company

The Ford model you drive is only part of the picture when it comes to how much you’ll pay for your auto insurance. Your car insurance company will also play a big part because different companies can charge drastically different rates to insure the same person with the same vehicle. If you are looking for the best Ford car insurance rates, it is useful to see what companies are charging their average Ford driver. 

Here’s a look at the average monthly premium of Ford car insurance rates by the company. We start with companies offering the most affordable rates first. 

Hugo $41
Aspire $44
Commonwealth Casualty $59
National General  $61
MetroMile $70
First Chicago $72
Sun Coast $72
Fiesta $77
Dashers $78
Say Insurance $79
Gainsco $79
Assurance America $80
Carnegie General $80
MileAuto $82
MotionAuto $82
Mercury $83
Dairyland $83
21st Century $85
Safe Auto  $86
Kemper  $88
Clearcover $88
Direct Auto $88
Lonestar $91
Jupiter $94
Safeco $95
Foremost $96
Insure Max  $98
Acceptance $100
Verti $100
Liberty Mutual $104
Infinity $105
Foremost $109
BridgeNet $109
The General $119
Safe Auto  $120

As you can see, there’s a major difference between the most affordable and the most expensive companies on our list. Keep in mind these numbers are averages, so to know how much you can expect to pay you have to compare rates. We make this easy to do at Compare.com. Simply enter your zip code below and within just 5 minutes you’ll have personalized insurance rates from over 60 companies. 

Ford Features That Impact Insurance Cost

When shopping for car insurance, keep in mind that having certain safety features in your vehicle can lower your insurance rate. If you already have a Ford, look to see if your vehicle has any of these features. However, if you’re on the look for a new (or new to you) Ford, see if you can get as many safety features as possible in order to save on your insurance. 

  • Lane-Keeping System. Some Ford vehicles offer this safety feature to help drivers stay in their own lane. If you drift out of your lane, the vehicle will alert you. 
  • Evasive Steering Assist. If you suddenly stop or slow down your vehicle, the car will provide supportive steering to help maintain a smooth ride. 
  • Blind Spot Information System. Ford offers a Blind Spot Information System (BLIS). It provides an alert to drivers with vehicles in their blind spots. 

Each of these features can help you enjoy a safer ride. If you have these safety features, you may be able to tap into more affordable Ford car insurance rates. 

Ready to find the best rate for your vehicle? Give us 5 minutes and we’ll show you to most affordable rates for your Ford. 

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