+120 more)
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Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
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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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The current Ford Maverick isn’t the same compact car from the 1970s. Initially launched in 2021, today’s Ford Maverick is a pickup truck. Like its competitor, the Hyundai Santa Cruz, it’s a smaller and more affordable option than big-name trucks like the Ford F-150.
Because it’s relatively new and there aren’t as many used models available, the Ford Maverick tends to be slightly more expensive than average to insure. On average, Ford Maverick drivers pay $1,836 per year for car insurance — $48 more than the national average for all vehicles.
We’ll tell you how to find the right coverage for your Ford Maverick and give you tips to save money on your car insurance policy.
Ford Maverick drivers pay an average of $200 per month for full-coverage car insurance and $106 per month for liability coverage.
Mercury, Safeco, and Root usually have the lowest average premiums for the Ford Maverick.
Ford Maverick drivers in Nevada typically pay the lowest rates, averaging $78 per month, while drivers in Delaware pay the highest, at an average of $291.
Nearly every U.S. state requires drivers to have a minimum amount of car insurance. Liability-only car insurance covers injuries or property damage you cause to others, but it doesn’t cover you or your own car.
Full-coverage policies typically include liability, collision, and comprehensive insurance, which protect your own vehicle.
The table below shows the average liability and full-coverage rates for the Ford Maverick and the national averages for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Maverick | $106 | $200 | $153 |
| All vehicles | $108 | $190 | $149 |
Ford Maverick drivers tend to pay slightly higher-than-average premiums. But your car insurance costs can vary based on several factors, including your location, driving record, and vehicle trim level.
Car insurance rates vary by company, so it’s wise to shop around for coverage rather than sticking to the same insurer for years. Comparing rates from multiple companies can help you make sure you don’t overpay for coverage.
The table below lists the cheapest car insurance companies for the Ford Maverick, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mercury | $105 |
| Safeco | $105 |
| Root | $113 |
| GEICO | $120 |
| National General | $141 |
| Direct Auto | $141 |
| Liberty Mutual | $144 |
At $105 per month, Mercury and Safeco offer the lowest average rates for the Ford Maverick. But they may not be the cheapest insurers for you. You may find lower rates with another company based on your location, driving record, and credit history.
We analyzed data from leading car insurers to find the best auto insurance companies for the Ford Maverick. We picked these companies based on a combination of average premiums, coverage options, and customer satisfaction ratings.
| User Reviews | 3.2 |
|---|---|
| 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 |
| 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. | $94/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. | $148/mo |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Root is one of the cheapest insurers for the Ford Maverick. It uses your driving habits to set rates, so safe or infrequent drivers — like remote workers or stay-at-home parents — can save on their car insurance.
But Root isn’t available everywhere, and it won’t insure high-risk drivers. So you’ll need to check if it’s available in your area, even if you have a spotless driving record.
| User Reviews | 3.8 |
|---|---|
| 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 |
| 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. | $87/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. | $140/mo |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco is a subsidiary of Liberty Mutual, but it differs from its parent company in that it offers insurance only through independent agents. While other companies allow you to get quotes and even purchase policies online, Safeco requires you to contact an agent.
That said, Safeco offers significantly lower-than-average rates and added benefits and perks that can make it a good pick for safe drivers. For example, you could qualify for cash back and a diminishing deductible if you don’t file any claims in a six-month period.
Lower-than-average rates
Added benefits for safe drivers
Highly rated mobile app
Limited policy information online
Quotes available only through an agent
Below-average claims satisfaction[2]
| User Reviews | 3.6 |
|---|---|
| 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. | 3.9 /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. | $172/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. | $230/mo |
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
If you finance your Ford Maverick, Liberty Mutual could be a good choice because it offers gap (guaranteed asset protection) insurance. Gap insurance helps cover the difference between what you owe on a car loan or lease and the current value of the car if you total it.
Plus, Liberty Mutual has other valuable add-ons, like new car replacement and original parts replacement.
But Liberty Mutual has a mixed reputation for customer service. The company scored poorly for customer satisfaction in most regions, according to J.D. Power. It also received an above-average number of complaints with the National Association of Insurance Commissioners (NAIC).
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Newer cars and trucks generally cost more to insure because of their higher resale values and repair costs.
The Maverick is a relatively new Ford model, so there’s little variation in car insurance prices for it. The table below highlights the average monthly premiums for the Ford Maverick by model year, according to Compare.com data.
Maverick Model Year | Average Monthly Premium |
|---|---|
| 2025 | $151 |
| 2024 | $156 |
| 2023 | $154 |
| 2022 | $149 |
Your vehicle’s year and trim level are only some of the factors affecting your rates. Insurance companies also consider your location and driving record.
Where you live plays a significant role in determining how much you pay for car insurance. Insurance companies look at local factors when setting rates, including traffic congestion, accident rates, crime rates, and repair costs.[5]
Ford Maverick owners in states with low population density, like Nevada, for example, tend to have fewer drivers on the road and less of a risk of an accident.[6] On the other hand, drivers in states like Delaware pay the highest premiums due to population density and a relatively high number of uninsured drivers.[7]
The map below shows the average premiums for the Ford Maverick by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $104 |
| Arizona | $151 |
| Arkansas | $136 |
| California | $167 |
| Colorado | $161 |
| Connecticut | $264 |
| Delaware | $291 |
| Florida | $216 |
| Georgia | $197 |
| Idaho | $219 |
| Illinois | $89 |
| Indiana | $94 |
| Iowa | $129 |
| Kansas | $110 |
| Kentucky | $122 |
| Louisiana | $172 |
| Maine | $182 |
| Maryland | $134 |
| Massachusetts | $275 |
| Michigan | $119 |
| Minnesota | $209 |
| Mississippi | $147 |
| Missouri | $148 |
| Montana | $121 |
| Nebraska | $118 |
| Nevada | $78 |
| New Hampshire | $105 |
| New Jersey | $122 |
| New Mexico | $82 |
| New York | $193 |
| North Carolina | $112 |
| North Dakota | $232 |
| Ohio | $279 |
| Oklahoma | $103 |
| Oregon | $138 |
| Pennsylvania | $131 |
| Rhode Island | $136 |
| South Carolina | $186 |
| South Dakota | $223 |
| Tennessee | $99 |
| Texas | $112 |
| Utah | $184 |
| Vermont | $139 |
| Virginia | $158 |
| Washington | $108 |
| District of Columbia | $138 |
| West Virginia | $99 |
| Wisconsin | $123 |
| Wyoming | $86 |
Teens typically pay much more for car insurance than other drivers due to their inexperience and riskier driving habits. Younger drivers are statistically more likely to be in a serious accident, according to the Centers for Disease Control and Prevention.[8] [9]
Below, you’ll find the average premiums for Ford Maverick drivers by age, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $379 |
| Adults | $183 |
| Seniors | $154 |
Teens pay more than double the rate of adults. Rates continue to decrease as you get older, until around age 70.
Pickup truck drivers usually drive more miles than other drivers, according to the U.S. Department of Energy, so you may be more likely to be in an accident.[10]
If you have at-fault accidents, driving under the influence (DUI) convictions, or speeding tickets on your record, you’ll pay higher rates for insurance coverage.
The table below shows the average cost of insuring a Ford Maverick based on driving record, according to our research.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $200 |
| Speeding ticket | $278 |
| At-fault accident | $289 |
| DUI | $329 |
Drivers with an at-fault accident pay $289 per month for coverage — $89 more than someone with a clean record.
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Whether you chose your Ford Maverick for its size or fuel efficiency, it’s a relatively new vehicle with lots of new technology and safety innovations. Here’s how your truck’s features can affect your car insurance rates:
Vehicle type: In general, pickup trucks are cheaper to insure than other vehicles. So you’ll likely pay less to insure your Maverick than a sedan or coupe.
Safety features: Depending on the model year and trim level, your Maverick may have safety features like pre-collision assist or lane-departure warnings. Safety features often qualify you for insurance discounts.
Trim level: While the base Ford Maverick starts at about $28,000, other trims are much more expensive. The Maverick Tremor starts at about $40,000, so it will cost more to repair or replace, which also increases insurance costs.
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No matter what you pay for car insurance, you can always look for a better deal. Here are some tips to help you lower your Ford Maverick premiums:
Enroll in usage-based insurance (UBI). Pickup drivers tend to spend more time on the road, so they usually pay more for coverage. If you drive fewer miles and maintain safe driving habits, you could slash your premiums by enrolling in a UBI program.
Complete a safe driving course. Taking a safe driving course can help you anticipate and prevent issues while driving, reducing the risk of an accident. Some insurers will even give you a discount for completing an approved course.
Raise your deductible. Increasing your deductible can reduce your premiums. But only choose a deductible you know you can afford, as you’ll have to pay that amount before your insurer will cover the cost after an accident or other claim.
Ask your agent about discounts. Talk to your agent about any discounts you may currently have. The Maverick has some safety features that could entitle you to savings. You may also be eligible for other discounts, like auto pay, multi-policy, or safe driver discounts.
Compare multiple quotes. Coverage options, rates, and customer service vary by insurance company. Regularly shop around and get car insurance quotes from multiple companies to make sure you still have the best deal.
Compare rates and get the coverage you need at the best price.
Whether you already own a Ford Maverick or are thinking of buying a new truck, we’re here to help. We answered some common questions to help you compare your insurance options.
Yes, but only slightly. Maverick drivers pay an average of $153 per month for coverage — $4 more than the average premium for all vehicles of $149 per month, according to Compare.com data.
Mercury and Safeco offer the lowest average rates for Ford Mavericks, with average premiums of $105 per month, according to Compare.com data. But your rates may differ depending on factors like your location, driving record, and insurance options.
Car insurance for the 2025 Ford Maverick averages $151 per month, according to Compare.com data. Because the Maverick is relatively new, there isn’t much difference in insurance costs for different model years.
The Ford Ranger is the cheapest Ford vehicle to insure. Auto coverage for the Ranger costs an average of $122 per month, according to Compare.com data. But how much you pay for car insurance depends on many factors, including your age, ZIP code, and driving record.
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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Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
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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