How Much Does Ford Car Insurance Cost?
The average monthly cost to insure a Ford is $189, which adds up to about $2,272 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of insuring a Ford depends on various factors. Your age, driving history, and location significantly influence your car insurance premium. Insurers use this data to evaluate the risk of providing coverage for your Ford.
Insurance Cost Per Ford Model
| Ford Model | Average Yearly Insurance Cost |
| Ford Ecosport | $2,050 |
| Ford Edge | $2,145 |
| Ford Escape | $1,980 |
| Ford Expedition | $2,577 |
| Ford Explorer | $2,373 |
| Ford F-150 | $2,320 |
| Ford F-250 Super Duty | $2,539 |
| Ford Mustang | $2,542 |
| Ford Ranger | $2,261 |
| Ford Transit | $1,940 |
Keep in mind that these numbers are just averages, and the actual cost can change based on your location, age, driving record, and the coverage you select.
Ford Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $117 |
| State Farm | $143 |
| Progressive | $138 |
| Allstate | $152 |
| USAA | $148 |
| Nationwide | $160 |
| Farmers | $126 |
Ford Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,552 |
| Alaska | $2,109 |
| Arizona | $2,384 |
| Arkansas | $2,628 |
| California | $2,927 |
| Colorado | $2,720 |
| Connecticut | $3,483 |
| Delaware | $2,887 |
| Florida | $3,434 |
| Hawaii | $1,112 |
| Idaho | $1,950 |
| Illinois | $2,022 |
| Indiana | $2,093 |
| Iowa | $1,663 |
| Kansas | $2,208 |
| Kentucky | $3,181 |
| Louisiana | $4,089 |
| Maine | $1,536 |
| Maryland | $2,500 |
| Massachusetts | $2,008 |
| Michigan | $4,827 |
| Minnesota | $1,992 |
| Mississippi | $2,395 |
| Missouri | $2,272 |
| Montana | $2,292 |
| Nebraska | $1,937 |
| Nevada | $3,214 |
| New Hampshire | $2,224 |
| New Jersey | $2,462 |
| New Mexico | $2,517 |
| New York | $2,322 |
| North Carolina | $1,436 |
| North Dakota | $1,967 |
| Ohio | $1,768 |
| Oklahoma | $2,799 |
| Oregon | $2,550 |
| Pennsylvania | $2,155 |
| Rhode Island | $3,596 |
| South Carolina | $2,433 |
| South Dakota | $2,189 |
| Tennessee | $2,584 |
| Texas | $2,600 |
| Utah | $2,211 |
| Vermont | $1,704 |
| Virginia | $1,610 |
| Washington | $2,111 |
| West Virginia | $2,127 |
| Wisconsin | $2,132 |
| Wyoming | $1,983 |
| Georgia | $2,799 |
How To Save Money On Ford Car Insurance?
Owning a Ford comes with various costs, and car insurance is one of the largest. However, there are ways to save on your insurance. Here’s how:
1. Maintain a Clean Driving Record
Your driving history is important to insurance companies when setting your premium. By avoiding accidents and traffic tickets, you show insurers that you’re a low-risk driver, which can significantly lower your insurance costs.
2. Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, such as home and auto insurance. This not only simplifies managing your insurance but also saves you money on premiums.
3. Raise Your Deductible
Raising your deductible—the amount you pay out of pocket before your insurance kicks in—can lower your premium. Just make sure you can afford the higher deductible if you have an accident.
4. Install Safety Features
Ford vehicles come with many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
5. Take Advantage of Discounts
Insurance companies often offer discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Ask your insurer about any discounts you might qualify for.
6. Shop Around
Insurance premiums can vary widely between different providers. It’s important to compare quotes and choose the insurer that offers the best value for your needs.
7. Consider Usage-Based Insurance
If you don’t drive your Ford often, think about usage-based insurance. This type of policy bases your premium on how much you drive, potentially saving you money if your Ford isn’t your main vehicle.
