+120 more*These quotes are from Compare.com users within the last 10 days. Updated on August 14, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on August 14, 2026
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
The Ford Maverick is a small pickup truck with a relatively low starting price; the 2026 model starts at $29,990.[1]
With its affordable price tag, Ford Maverick insurance costs are in line with the industry average; drivers typically pay $164 per month.
Shopping around and comparing quotes is key to finding the best coverage and rates, and the following information can help you find the right insurance policy for your Maverick.
Ford Maverick owners pay an average of $1,968 per year for car insurance, slightly higher than the national average for all vehicles.
On average, USAA has the lowest premium, at $83 per month.
Pickup trucks like the Ford Maverick tend to be less expensive to insure than other vehicle types.
Ford Maverick owners pay annual averages of $2,412 per year for full-coverage insurance and $1,512 for liability-only coverage, according to Compare.com data.
Liability-only policies cover bodily injury and property damage liabilities, while full-coverage policies include collision and comprehensive insurance.
The table below highlights the average monthly premiums for liability-only and full-coverage policies:
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Ford Maverick | $126 | $201 | $164 |
| All vehicles | $114 | $210 | $162 |
The cost of coverage depends on the types of car insurance you choose, your coverage limits, and your vehicle’s year.
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Even for the same make and model, such as the Ford Maverick, car insurance rates vary by company. Companies have their own underwriting formulas to determine risk, so you may find that one insurer is significantly cheaper than others.
The table below shows the cheapest car insurance companies for the Ford Maverick, according to Compare.com data:
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $92 |
| Allstate | $117 |
| American Family | $125 |
| GEICO | $128 |
| CSAA | $140 |
| Nationwide | $151 |
| Progressive | $154 |
| Travelers | $158 |
| Farmers | $179 |
| Liberty Mutual | $212 |
| Amica | $402 |
| User Reviews | 4.2 |
|---|---|
| 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 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
For qualifying military service members, veterans, and family members, USAA offers car insurance with significantly lower-than-average rates for the Ford Maverick. Members can also qualify for extra perks, like on-base garage discounts.
Substantially lower-than-average rates
Added benefits for service members
Limited eligibility
Fewer discounts than some competitors
| 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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
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.
J.D. Power gave State Farm high marks in its 2025 U.S. Auto Claims Satisfaction Study, and it has a large network of agents who can provide personalized service. You can customize your policy with multiple coverage options and endorsements. With State Farm’s Drive Safe & Save program, you can save up to 30% on your coverage if you maintain safe driving habits.
Highly rated for customer service
Usage-based insurance (UBI) available
Not available in Rhode Island or Massachusetts
Doesn’t sell gap insurance
| User Reviews | 3.7 |
|---|---|
| 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 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
If you buy a new Ford Maverick with an auto loan, gap insurance can provide extra protection. Not all insurers sell gap insurance, but Allstate sells it as an optional add-on. If your new vehicle is stolen or damaged beyond repair in an accident, your insurance policy will help cover the difference between your auto loan balance and your vehicle’s current value.
Sells gap insurance
Pay-per-mile and UBI policies available
Below industry average in the J.D. Power U.S. Auto Claims Satisfaction Study
Poor Trustpilot customer reviews
Newer cars tend to have higher values than older vehicles, so they’re usually more expensive to insure. But some newer models may have safety features that help reduce the risk of accidents, so insurance policies may be competitively priced.
The tables below show the average premiums by model year:
Maverick Model Year | Average Monthly Premium |
|---|---|
| 2026 | $197 |
| 2025 | $198 |
| 2024 | $198 |
| 2023 | $197 |
| 2022 | $197 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $149 |
| GEICO | $154 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $111 |
| Allstate | $141 |
| American Family | $151 |
| GEICO | $155 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $111 |
| Allstate | $141 |
| American Family | $151 |
| GEICO | $155 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $110 |
| Allstate | $141 |
| American Family | $150 |
| GEICO | $155 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $110 |
| Allstate | $141 |
| American Family | $150 |
| GEICO | $155 |
Where you live affects how much you’ll pay to insure your Ford Maverick. Your state’s minimum-coverage requirements, the percentage of uninsured drivers in the state, and accident rates are all factors that can drive insurance costs.[2]
The table below shows the average monthly premiums in each state:
State | Average Monthly Premium |
|---|---|
| Alabama | $135 |
| Arizona | $144 |
| Arkansas | $156 |
| California | $176 |
| Colorado | $176 |
| Connecticut | $244 |
| Delaware | $205 |
| Florida | $191 |
| Georgia | $219 |
| Hawaii | $108 |
| Idaho | $90 |
| Illinois | $136 |
| Indiana | $112 |
| Iowa | $92 |
| Kansas | $127 |
| Kentucky | $170 |
| Louisiana | $184 |
| Maine | $120 |
| Maryland | $260 |
| Massachusetts | $129 |
| Michigan | $197 |
| Minnesota | $149 |
| Mississippi | $129 |
| Missouri | $156 |
| Montana | $128 |
| Nebraska | $124 |
| Nevada | $217 |
| New Hampshire | $75 |
| New Jersey | $231 |
| New Mexico | $124 |
| New York | $189 |
| North Carolina | $76 |
| North Dakota | $100 |
| Ohio | $106 |
| Oklahoma | $147 |
| Oregon | $131 |
| Pennsylvania | $138 |
| Rhode Island | $189 |
| South Carolina | $210 |
| South Dakota | $118 |
| Tennessee | $122 |
| Texas | $188 |
| Utah | $129 |
| Vermont | $123 |
| Virginia | $154 |
| Washington | $146 |
| District of Columbia | $270 |
| West Virginia | $127 |
| Wisconsin | $104 |
| Wyoming | $97 |
Age plays a big role in how much you pay for insurance. In general, young drivers pay the most for coverage. Teen Ford Maverick drivers pay an average of $315 per month — nearly double the national average for all age groups. By contrast, senior drivers pay less thanks to their experience on the road.
The table below shows the average monthly premiums for the Ford Maverick by age group:
Age Group | Average Monthly Premium |
|---|---|
| Teens | $315 |
| Adults | $164 |
| Seniors | $141 |
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Teens and young adults have little experience driving, and they’re statistically more likely to engage in risky behaviors like texting and driving. Because of these factors, young drivers are more likely to be involved in serious accidents.[3]
Insurers usually charge much higher rates for teens and young adult drivers, but you may find cheaper coverage by shopping around.
The table below shows the average premiums for young drivers, based on data from Compare.com:
Category | Price |
|---|---|
| USAA | $132 |
| State Farm | $147 |
| Allstate | $187 |
| American Family | $199 |
| GEICO | $206 |
Drivers 55 and older have more experience behind the wheel. And they typically cover fewer miles than other age groups per year, according to Federal Highway Administration data.[4] With the lower level of risk, insurers usually charge seniors lower rates.
Rates for seniors vary by insurer. The table below shows the average premiums for seniors, based on Compare.com data:
Category | Price |
|---|---|
| USAA | $92 |
| State Farm | $103 |
| Allstate | $130 |
| GEICO | $131 |
| American Family | $138 |
Your driving history plays a significant role in determining your car insurance rates. Whether you have speeding tickets, accidents, or driving under the influence (DUI) convictions on your record, you can experience hefty rate hikes.
The table below shows the average monthly premiums for drivers after common incidents:
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $164 |
| Speeding ticket | $220 |
| At-fault accident | $235 |
| DUI | $276 |
A DUI has the biggest effect on your premiums. On average, monthly premiums increase by about 68% for drivers with a DUI, according to Compare.com data.
Speeding increases the risk of a serious accident. Approximately 29% of fatal crashes were speed-related collisions, according to the National Highway Traffic Safety Administration (NHTSA). As a result, insurers view speeding tickets as an indicator of the likelihood of future incidents and charge drivers higher premiums.
The table below shows the average premiums from major insurers:
Category | Price |
|---|---|
| USAA | $107 |
| State Farm | $114 |
| Allstate | $152 |
| American Family | $162 |
| CSAA | $171 |
Insurers view drivers with accidents on their records, particularly at-fault accidents, as a higher risk. Their underwriting formulas indicate that you’re more likely to be in an accident in the future and submit claims, so they charge a higher rate for coverage.
Every insurer weighs accidents differently, so rates can vary. The table below shows the average premiums for drivers with accidents on their records, based on Compare.com data:
Category | Price |
|---|---|
| USAA | $108 |
| State Farm | $117 |
| Allstate | $152 |
| GEICO | $155 |
| American Family | $163 |
Driving under the influence increases your odds of getting into an accident. Drivers with a blood alcohol concentration (BAC) of 0.08% or higher were four times more likely to be in a crash, according to the NHTSA.[5] If you have a DUI on your record, insurers see you as a bigger risk, so your rates may increase by hundreds of dollars per year.
The table below highlights the average premiums for drivers with a DUI on their records:
Category | Price |
|---|---|
| USAA | $121 |
| State Farm | $134 |
| Allstate | $171 |
| GEICO | $175 |
| American Family | $182 |
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The Ford Maverick has rapidly increased in popularity. In 2025, Ford sold 155,051 Ford Maverick vehicles, a record high, according to Ford’s 2025 sales report. If you’re thinking of buying a new or used model, here’s what you should know about factors affecting the Ford Maverick’s insurance rates:
Vehicle type: In general, pickup trucks are less expensive to insure than other vehicles, such as coupes or sedans, according to Compare.com data.
Typical mileage: Pickup drivers tend to drive more miles per year than other drivers. With more time on the road, you’re at a higher risk of getting into an accident, so your annual vehicle usage can affect your rates.
Trim level: The Ford Maverick has five trims: XL, XLT, Lobo, Lariat, and Tremor. The XL is the base model, and prices increase with each trim level. For example, the Ford Maverick Tremor has a starting MSRP of $42,490, according to Kelley Blue Book. Because it’s more expensive to repair or replace, your insurance premiums will be higher.
Safety features: Depending on the year and trim level of your Ford Maverick, your vehicle may have safety features that help you avoid accidents. For example, 2026 models include lane-keeping systems, post-collision braking, and rear-view cameras, which can help you qualify for discounted rates.
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To get cheaper auto coverage for your Ford Maverick, follow these tips:
Take a defensive driving course. As a general rule, pickup drivers spend more time on the road than other drivers, so you may benefit from taking a defensive driving course and improving your driving skills. You’ll learn how to reduce the odds of a collision and, as an added perk, some insurers give policyholders a discount for completing these courses.
Increase your deductible. The deductible is how much you have to pay to repair your car after a collision- or comprehensive-related claim before the insurer covers the cost. Adjusting your deductible, such as increasing it from $250 to $500, can lower your monthly premiums.
Talk to your agent. Your agent may be able to identify discounts that you’re not currently taking advantage of, such as discounts for the Maverick’s safety features or multi-policy discounts for bundling your auto insurance policy with other types of insurance, such as homeowners insurance.
Shop around. Each company has its own underwriting formula, so rates can vary by company. Shop around and request car insurance quotes from several insurance companies to find the best coverage and premiums.e rates change over time and between insurers. Shop around to compare quotes at least once per year to get the best rates.
Whether you own a Ford Maverick or are thinking about buying a new or used model, the following answers to common questions can help you get the right coverage for your truck.
The Ford Maverick is slightly more expensive than average to insure. Policies average $164 per month, compared with $162 for all vehicles.
USAA tends to be the cheapest insurer for Ford Maverick models, followed by State Farm.
For a 2025 Ford Maverick, full-coverage insurance policies average $198 per month.
Typically, the Ford Escape is the cheapest Ford model to insure. Full-coverage policies average $162 per month.
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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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
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.
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