Ford Crown Victoria Car Insurance: How Much Should You Expect to Pay?

The average insurance cost for a Ford Crown Victoria averages out to be around $115 per month. Our complete guide will provide the information you need to know about how much auto insurance companies might charge you to insure your Ford Crown Victoria.

Quick Facts

  • It costs less to insure a Ford Crown Victoria than the average car.

  • Full coverage for a Crown Victoria generally runs about $154 a month, while liability only car insurance costs average around $80 monthly.

  • MetroMile offers the cheapest average rates for a Crown Victoria with liability only coverage offered for as cheap as $42 per month.

Crown Victoria Overview

The Ford Crown Victoria is a great budget-friendly car for drivers of all types, with base prices starting at just $26,950 for 2011 models. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when thinking about your future auto insurance prices.

Based on analyzing thousands of insurance quotes from Compare.com, we've found that average Ford Crown Victoria auto insurance rates run about $115 a month. But how does that stack up to other similar vehicles out there on the market?

Current Base Price$26,950
Body Style(s)Car
Trim LevelsLX, S, POLICE INTERCEPTOR
Average Insurance Premium$115/mo.
Cheapest Insurance CompanyMetroMile

How Much is Car Insurance for a Ford Crown Victoria?

Vehicle Liability Only Full Coverage
Ford Crown Victoria$80$154
All Ford Models$78$162
All Cars$83$177
Average Insurance Premium$81$169

In the table above, you'll find that compared to other vehicles, Ford Crown Victoria insurance premiums are right around average. Crown Victoria drivers typically pay about $80 monthly for liability insurance, and around $154 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When you compare it to other models, the Crown Victoria is on par with Ford's vehicle offerings. However, coverage for the Crown Victoria is lower than average when compared to other vehicles of a similar body style, with both liability and full insurance averaging less expensive rates than other cars.

When compared to all vehicles, regardless of make, body style, or model, insurance costs for both liability only and full coverage policies run lower than average.

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Who has the Cheapest Car Insurance for a Ford Crown Victoria?

Insurance Company Average Monthly Premium
Oasis$33
Empower$42
MetroMile$42
AmericanAlliance$44
Shelter Mutual$45

If you're looking for a car insurance policy for a Ford Crown Victoria, you may want to know which company offers the lowest rates. While there will never be one carrier that offers the most affordable prices for everyone, Oasis provides the lowest average rates for liability only coverage, with rates as cheap as just $33 a month. The next cheapest company is Empower, who offers car insurance as little as $42 monthly.

Rounding out the list are MetroMile, AmericanAlliance, and Shelter Mutual. That being said, 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 lots of different factors into consideration when offering you rates. The only way to guarantee you'll find the lowest rates is to compare quotes from multiple insurance carriers.

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What Factors Affect Car Insurance Rates for a Ford Crown Victoria?

As we mentioned above, there are a range of things that auto insurance companies reference to determine how much they charge for car insurance -- and each carrier weighs certain variables more than others, so there's not just one company that's the most affordable for everyone.

The sections below show a multitude of variables auto insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 Years$60
4-5 Years$45
6-7 Years$74
8-10 Years$85
11-14 Years$86
15 Years or Older$77

The Ford Crown Victoria has been around for a while -- that means vehicle age can play a big role in what you end up paying for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Crown Victorias continue to depreciate, insurance costs will gradually go down.

A new Ford Crown Victoria model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Ford Crown Victorias to insure are those that are 4 to 5 years old, while the most expensive models are Crown Victorias that are 11 to 14 years old, on average.

Your Age

Age Average Monthly Premium
Under 18$114
18-24$119
25-34$85
35-44$76
45-54$54
55-64$54
65 or Older$61

How old you are makes a significant difference in how much you pay for insurance. Based on the information above, teenage Crown Victoria drivers pay a lot more compared to older drivers. In this case, drivers who are 18 to 24 pay $34 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for Crown Victoria drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$82
Female$77

Did you know women normally pay less for car insurance than men? This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim. When it comes to Crown Victoria drivers specifically, men pay about $82 a month for auto insurance, while women pay around $77.

Where You Live

State Average Monthly Premium
California$56
Florida$119
Georgia$98
Illinois$48
New York$147
North Carolina$70
Ohio$59
Pennsylvania$92
Texas$61
Virginia$60

You were probably already aware that factors like how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live matters just as much? Because car insurance is regulated on the state level and not nationally, costs fluctuate quite a bit depending on which state you call home.

For example, the average Ford Crown Victoria driver in New York pays about $147 monthly for liability coverage. Meanwhile, the same Californian owner will pay less than half of that price, on average. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Ford Crown Victoria Car Insurance Discounts

No matter your car, your age, or your home state, using as many discounts as possible when it comes to your auto insurance is always a good idea when shopping around for a new policy.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

  • Multi-car discounts for insuring more than one of your vehicles with the same carrier
  • Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments
  • Defensive driving discounts for taking a defensive driving class from an accredited 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 than average safety ratings

These are just a few of the discounts out there. And often, the best way to save isn't through a "discount" at all, but rather by having a good record when it comes to both driving and car insurance.

Although you can't control every factor auto insurance companies consider to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the things you can use to your favor when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$150
1 Ticket$97
Multiple Tickets$117

It's no secret that insurance carriers offer the lowest premiums to drivers with clean records. And you probably wouldn't be surprised that your auto insurance costs will increase if you get tickets for speeding or get into a collision. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll see that accidents will usually cost Crown Victoria drivers more than tickets, but both will result in a raise in rates. Ford Crown Victoria drivers with a single ticket will pay about $97 per month, while drivers with one accident on their record pay an average of $106 a month (up $26 from the $80/mo. overall average). Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$80
2,501-5,000 Miles$73
5,001-7,500 Miles$73
7,501-10,000 Miles$84
10,000+ Miles$80

How much you drive impacts your insurance prices. Those who drive less often are more likely to go accident-free, so they'll usually end up spending less on car insurance. Above, you can see that Ford Crown Victoria owners who drive 10,000 miles or more pay $80 for auto insurance, while those who drive fewer than 2,500 miles per year pay an average of $80 a month.

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

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How Do Ford Crown Victorias Compare to Other Vehicles?

If you're thinking about purchasing a Ford Crown Victoria, it might be helpful to do your research. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering.

Visit the table below to see how the Ford Crown Victoria stacks up:

Ford Crown Victoria National Average
Liability Insurance$89$81
Full Coverage Insurance$151$169
Base MSRP$26,950$35,033
Average Annual Mileage12,26211,681

Overall, the Ford Crown Victoria has an MSRP that's in line with the going rate for a new vehicle. The Crown Victoria retails at $26,950, close to the national average vehicle MSRP of $35,033. And since it's been awhile since a new Crown Victoria model has been on the market, used prices will be even more affordable.

But while the purchase price runs about average, insurance rates run slightly below average when compared to the rest of the vehicle market. Liability insurance for a Ford Crown Victoria is around $8 per month more expensive than average, while full coverage is $18 less monthly.

When it comes to usage, Ford Crown Victoria owners drive about the same amount annually as the national average, with 12,262 miles every year compared to 11,681 for all vehicles.

Ford Crown Victoria Car Insurance Costs by Model Year

We've gone over many of the variables that can affect a driver's car insurance premiums. If you're in the market for a new car, truck, or SUV and the Crown Victoria is on your wishlist, knowing what you'll likely pay can be helpful as you consider your choices.

So we've decided to break down Ford Crown Victoria auto insurance costs by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options, as well as some other helpful info, such as available trims, base price, and even the cheapest insurance company for each year the Crown Victoria has been around.

2011 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$151
Base MSRP$26,950
Cheapest Insurance CompanyMetLife - $26/mo.
Available TrimsLX, POLICE INTERCEPTOR, S

The average cost to insure a 2011 Ford Crown Victoria with liability only coverage is $89 per month, while full coverage runs about $151 a month.

We found MetLife offered the most affordable policy, with rates sometimes as low as $26 monthly.

Interested in what your insurance premium could look like? Just enter your ZIP code below to get lots of personalized quotes for free.

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2010 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$165
Base MSRP$26,950
Cheapest Insurance CompanyMercury - $24/mo.
Available TrimsLX, POLICE INTERCEPTOR, S

You can expect full coverage for a 2010 Crown Victoria to run around $165 per month, while liability only coverage will average about $84 monthly.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as cheap as $24 a month.

If you want to know exactly how much you can expect to pay for your Crown Victoria, get free quotes in minutes by just entering your ZIP code below.

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2009 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$198
Base MSRP$26,810
Cheapest Insurance CompanyMetLife - $27/mo.
Available TrimsCROWN VICTORIA, LX, POLICE INTERCEPTOR

It costs around $92 per month for liability or $198 for a full coverage policy for the 2009 Ford Crown Victoria.

With rates as low as just $27 a month, MetLife offered the most affordable policy we found.

If you want to find the best prices for car insurance for a 2009 Ford Crown Victoria, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2008 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$87
Full Coverage Avg. Premium$164
Base MSRP$25,755
Cheapest Insurance CompanySafeAuto - $23/mo.
Available TrimsCROWN VICTORIA, LX/SPORT, POLICE INTERCEPTOR, S

On average, drivers who own a 2008 Crown Victoria can expect to pay $87 to $164 monthly for liability only and full coverage insurance, respectively.

SafeAuto offered the lowest policy we found, with rates sometimes as little as $23 a month.

Interested in just how much you'll pay? Get several personalized quotes for free by just entering your ZIP code below.

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2007 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$90
Full Coverage Avg. Premium$161
Base MSRP$24,620
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsCROWN VICTORIA, LX/SPORT, POLICE INTERCEPTOR, S

2007 Ford Crown Victoria drivers can expect to pay an average of $90 monthly for liability or $161 for full coverage.

Clearcover has costs as little as just $21 per month for the 2007 Ford Crown Victoria.

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.

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2006 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$156
Base MSRP$24,510
Cheapest Insurance CompanyJupiter - $19/mo.
Available TrimsCROWN VICTORIA, LX/SPORT, POLICE INTERCEPTOR, S

The average cost to insure a 2006 Crown Victoria with liability only coverage is $79 monthly, while full coverage runs about $156 a month.

If you're looking for the cheapest possible 2006 Ford Crown Victoria insurance policy, Jupiter offered the cheapest policy we found, with rates as low as $19 per month.

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

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2005 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$165
Base MSRP$24,430
Cheapest Insurance CompanyMile Auto - $18/mo.
Available TrimsCROWN VICTORIA, LX, POLICE INTERCEPTOR, S

It costs around $86 a month for liability or $165 for a full coverage policy for the 2005 Ford Crown Victoria.

With prices sometimes as little as $18 per month, Mile Auto offered the lowest policy we found for the 2005 Ford Crown Victoria.

Interested in exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole bunch of personalized quotes from the nation's top insurance companies.

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2004 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$138
Base MSRP$24,085
Cheapest Insurance CompanyInfinity - $21/mo.
Available TrimsCROWN VICTORIA, LX, POLICE INTERCEPTOR, S

On average, drivers who own a 2004 Crown Victoria can expect to pay $86 to $138 monthly for liability only and full coverage auto insurance, respectively.

Looking for the cheapest policy? Infinity offered liability only coverage for as little as $21 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2004 Ford Crown Victoria, you can get free quotes in minutes by just entering your ZIP code below.

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2003 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$87
Full Coverage Avg. Premium$148
Base MSRP$23,705
Cheapest Insurance CompanyClearcover - $19/mo.
Available TrimsCROWN VICTORIA, LX, POLICE INTERCEPTOR, S

You can expect full coverage for a 2003 Ford Crown Victoria to run about $148 a month, while liability only coverage will average around $87 monthly.

With rates as low as $19 per month, Clearcover offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2003 Ford Crown Victoria, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2002 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$137
Base MSRP$22,755
Cheapest Insurance CompanyMetroMile - $21/mo.
Available TrimsCROWN VICTORIA, LX/SPORT, POLICE INTERCEPTOR, S

2002 Crown Victoria drivers can expect to pay an average of $79 a month for liability or $137 for full coverage.

With prices as cheap as just $21 monthly, MetroMile offered the cheapest policy we found for the 2002 Ford Crown Victoria.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2001 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$170
Base MSRP$22,255
Cheapest Insurance CompanyLiberty Mutual - $20/mo.
Available TrimsCROWN VICTORIA, LX, POLICE INTERCEPTOR, S

On average, drivers who own a 2001 Ford Crown Victoria can expect to pay $76 to $170 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2001 Ford Crown Victoria insurance policy, Liberty Mutual offered the lowest policy we found, with rates as cheap as $20 a month.

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

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2000 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$147
Base MSRP$22,005
Cheapest Insurance CompanyElephant - $17/mo.
Available TrimsCROWN VICTORIA, LX, POLICE INTERCEPTOR, S

The average cost to insure a 2000 Crown Victoria with liability only coverage is $77 monthly, while full coverage runs about $147 a month.

We found Elephant offered the most affordable policy, with rates as little as just $17 monthly.

Want to know exactly how much you'll pay? Enter your ZIP code below to get multiple customized quotes for free.

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1999 Ford Crown Victoria Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$100
Base MSRP$21,905
Cheapest Insurance CompanyLiberty Mutual - $20/mo.
Available TrimsCROWN VICTORIA, LX, POLICE INTERCEPTOR, S

1999 Ford Crown Victoria drivers can expect to pay an average of $75 per month for liability or $100 for full coverage.

Liberty Mutual has premiums sometimes as cheap as $20 a month for the 1999 Ford Crown Victoria.

If you want to find the best rates for insurance for a 1999 Ford Crown Victoria, enter your ZIP code below and compare an array of personalized quotes in just a few minutes.

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Ford Crown Victoria Insurance FAQs

Is a Ford Crown Victoria expensive to insure?

It costs less to insure a Ford Crown Victoria when compared to the average vehicle. Liability insurance runs an average of $80 per month, while full coverage will cost you around $154.

How can I get the best price on car insurance for my Ford Crown Victoria?

There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and comparing quotes from several carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare costs 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 Crown Victoria affect my insurance premiums?

You may have heard the old adage that it costs more to insure a red car, but that's actually not the case. There are lots of things auto insurance carriers examine when they calculate your prices, but your Ford Crown Victoria's color is not one of them.

Do I need to have insurance before I buy a Ford Crown Victoria?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a car is to talk with your insurance carrier beforehand.

What car insurance discounts can I get for my Ford Crown Victoria?

You will find all sorts of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the Crown Victoria you drive, but if your Crown Victoria has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out is to reach out to your insurance company and ask about their discounts, since they change quite a bit from carrier to carrier.

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