Ford C-Max Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ford C-Max is cheaper to insure compared to the average car.

• Full coverage for a C-Max usually tends to be about $152 monthly, while liability only insurance premiums average around $68 a month.

• The most affordable car insurance company for a C-Max is Connect.

C-Max Overview

Coming in with a base MSRP of $24,120 for 2018 models, the Ford C-Max is a great budget-friendly option for any driver. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when thinking about your future auto insurance prices.

We combed through thousands of insurance quotes on Compare.com, and we've found that Ford C-Max car insurance rates average out to about $140 monthly. How do insurance costs for the C-Max stack up against other similar cars?

How Much is Car Insurance for a Ford C-Max?

In the table above, you'll find that auto insurance prices for a Ford C-Max are below average. On average, C-Max drivers can expect to pay around $68 per month for liability insurance, and about $152 a month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When you compare it to other Ford models, the C-Max is slightly more affordable, with premiums more than 5% lower than the rest of the company's vehicle lineup. Compared to offerings from other brands, car insurance for a C-Max is also more affordable, with liability only insurance costs coming in around $15 less and $25 less for full coverage.

When compared to all vehicles, regardless of body style, make, or model, the C-Max follows a similar pattern of having below average auto insurance rates.

Who has the Cheapest Car Insurance for a Ford C-Max?

If you're searching for an auto insurance policy for a Ford C-Max, you're likley wondering which carrier offers the cheapest premiums. While prices can shift pretty dramatically depending on your driver profile, CaliforniaCasualty has the lowest average rates for liability only coverage, with rates as little as $20 per month. The runner up for cheapest rates is Shelter Mutual, with insurance policies starting sometimes as little as $35 a month.

Rounding out the list are TwentyFirstCentury, Dashers, and NationalGeneral. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take many different things into consideration when calculating monthly rates. The only way to guarantee you'll find the most affordable rates is to compare quotes from a whole range of auto insurance carriers.

What Factors Affect Car Insurance Rates for a Ford C-Max?

As we mentioned above, there are a multitude of factors that insurance companies look at to determine how much they charge -- and each company weighs different variables more heavily than others, so there's not one carrier that's the cheapest for every C-Max driver.

The sections below show many variables car insurance carriers use to calculate rates:

Vehicle Age

Ford has been making the C-Max for quite some time -- and that means the car's age may make a big difference in how much you'll pay for insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually get lower.

Based on the above table, the Ford C-Max does not follow this trend, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive C-Maxs are 8 to 10 years old.

Your Age

Age is another factor that plays a significant role in how much you pay for auto insurance. Based on the information in the table above, drivers who are under 24 pay much more compared to older C-Max drivers.

Insurance prices continue to decrease as you get older, with the cheapest age group for C-Max drivers being 55-64.

Your Gender

Men typically pay more for car insurance than women. This is because women are less likely to get speeding tickets and get into accidents, which lowers the chances of an insurance claim. The Ford C-Max sticks to the norm, where men pay about $69 monthly for insurance, while women pay around $67.

Where You Live

It may be obvious that factors like how old you are and what vehicle you drive play a role in your car insurance costs, but you may not realize that where you live is just as important. Because auto insurance is regulated at the state level, premiums fluctuate quite a bit from state to state.

For example, the average Ford C-Max owner in New York pays about $204 a month for liability coverage. Meanwhile, on average, the same driver in California will pay less than a third of that price. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

Ford C-Max Car Insurance Discounts

Regardless of your home state, your age, or your car, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-vehicle discounts for having several cars on your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy cost at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings

There are lots of other discounts out there for saving money on your auto insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

Even though you may not be able to control every variable insurance companies examine to calculate rates (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the ones you can use to your advantage when it comes to saving cash:

Your Driving Record

It's no secret that car insurance carriers offer the lowest costs to drivers with a history of responsible driving. It shouldn't come as a surprise that your auto insurance prices will go up if you get into a collision or get cited for speeding. But you still might be left wondering exactly how much these infractions will cost you.

Looking at the table above, you'll notice that accidents will usually cost C-Max drivers less than tickets, but both will result in a raise in rates. Ford C-Max drivers with a single accident on their record pay about $71 every month (up $3 from the $68/mo. overall average), while drivers with one ticket will pay an average of $72 per month. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the total distance you drive each year. Drivers who are on the roads less often are more likely to go accident-free, so they'll generally end up spending less on car insurance. In the table above, you can see that Ford C-Max owners who drive fewer than 2,500 miles per year pay about $70 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $59.

But if you happen to be one of those drivers who put very few miles on your Ford C-Max each year, it may be worth reviewing pay-per-mile or usage-based insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Ford C-Maxs Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Ford C-Max is on your shortlist, it can pay off to do your homework. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Ford C-Max stacks up:

Overall, the Ford C-Max is a fantastic value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. The C-Max goes for $24,120, which is quite a bit lower than the national average vehicle MSRP of $43,915.

Similarly, auto insurance costs run below average when compared to other vehicles on the market. Liability insurance for a Ford C-Max is around $37 per month less expensive than average, while full coverage is more than $30 cheaper a month.

When it comes to usage, Ford C-Max owners drive about the same amount annually as the national average, with 11,681 miles a year for all vehicles compared to the C-Max's 11,428 each year.

Ford C-Max Car Insurance Costs by Model Year

Thus far, you've seen how different things affect a driver's car insurance prices. If you're considering buying a new C-Max, knowing what you'll likely pay can be extremely valuable as you weigh your choices.

For this reason, we've decided to break down Ford C-Max insurance rates by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options. We've included some additional information you might find helpful, too, like the base MSRP, who offers the cheapest policies, which trim levels are offered for each year the C-Max has been around.

2018 Ford C-Max Car Insurance

It costs about $44 monthly for liability or $135 for a full coverage policy for the 2018 Ford C-Max.

NationalGeneral offered the most affordable policy we found, with rates as low as just $36 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2017 Ford C-Max Car Insurance

2017 C-Max drivers can expect to pay an average of $62 a month for liability or $158 for full coverage.

With premiums as cheap as $20 monthly, MetroMile offered the lowest policy we found.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

2016 Ford C-Max Car Insurance

On average, drivers who own a 2016 Ford C-Max can expect to pay $59 to $147 per month for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 2016 Ford C-Max insurance policy, CaliforniaCasualty offered the most affordable policy we found, with rates as low as $20 monthly.

Want something more accurate than nationwide averages? Get lots of free personalized quotes by just entering your ZIP code below.

2015 Ford C-Max Car Insurance

The average cost to insure a 2015 C-Max with liability only coverage is $72 a month, while full coverage runs around $154 per month.

MetLife has rates sometimes as low as $22 a month for the 2015 Ford C-Max.

If you want to find the best prices for auto insurance for a 2015 Ford C-Max, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2014 Ford C-Max Car Insurance

You can expect full coverage for a 2014 Ford C-Max to run about $152 monthly, while liability only coverage will average around $67 a month.

We found Dairyland offered the cheapest policy, with rates as cheap as just $27 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2014 Ford C-Max, you can get free quotes in minutes by just entering your ZIP code below.

2013 Ford C-Max Car Insurance

The average cost to insure a 2013 C-Max with liability only coverage is $73 per month, while full coverage runs about $152 monthly.

With costs as little as just $20 a month, StateAuto offered the lowest policy we found for the 2013 Ford C-Max.

Want to know just how much you'll pay? Get multiple free customized quotes by just entering your ZIP code below.

Ford C-Max Insurance FAQs

Is a Ford C-Max expensive to insure?

The Ford C-Max is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $68 per month, while full coverage will cost you around $152.

How can I get the best price on car insurance for my Ford C-Max?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from quite a few companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Ford C-Max affect my insurance costs?

You may have heard the old adage that red cars cost more to insure, but that's actually not true. Although there are many variables car insurance carriers consider when they offer premiums, the color of your car is not on that list.

Do I need to have insurance before I buy a Ford C-Max?

Before you can legally drive your new (or new to you) C-Max off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Ford C-Max?

There are a lot of different discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your C-Max has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance company and ask about which discounts they offer.