Car insurance for Fords

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Before you can drive off the lot in a new or used Ford vehicle, you will need to get car insurance. Car insurance, which protects your liabilities in the event of an accident, is legally required in most states. In the United States, the average cost of car insurance is $565 per year for minimum coverage and $1,674 per year for full coverage.

Car insurance rates are personalized, and several factors determine your premium, like your age and claims history. One of the most influential factors is the type of vehicle you insure. The cost of Ford car insurance will depend on the make and model, as well as the car insurance company that underwrites your policy.

Car insurance for Ford: by model

*National averages by model x make

Ford Car Insurance Average annual full coverage premium
Ford Escape $1,430
Ford Explorer $1,536
Ford F-150 $1,442
Ford Focus $1,633
Ford Fusion $1,674
Ford Mustang $2,188

Cheapest car insurance companies for Ford Escape

The Ford Escape is one of the cheapest Ford models to insure. The average rates for Ford Escape insurance ranges from $1,073 to $1,313 for a full coverage policy and $350 to $456 for a minimum coverage policy among top providers (by market share). The following companies all provide rates below the national average for Ford Escapes, at $1,430 a year for full coverage. Based on quoted premiums, the cheapest provider for Ford Escape drivers from the best car insurance companies is Geico. However, exact rates will differ for each driver, so your rate may vary from the averages below.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $350 $1,073
Geico $370 $1,103
State Farm $456 $1,313
Erie $430 $1,179
Amica $396 $1,171

Cheapest car insurance companies for Ford Explorer

The Ford Explorer is one of the company’s best-selling SUV models. The Explorer, which starts at $32,450 MSRP, is pretty affordable to insure for full coverage, at $1,536 a year. Full coverage insurance policies range from $1,134 to $1,371 for the largest insurance carriers, and minimum coverage policies range from $353 to $438 a year. The table below indicates the cheapest car insurance providers for the Ford Explorer include USAA and Erie, although these providers are not available to all drivers or in all states:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $356 $1,180
Geico $396 $1,304
State Farm $438 $1,371
Erie $353 $1,134
Amica $379 $1,247

Cheapest car insurance companies for Ford F-150

The Ford F-150 was rated the most popular pickup truck in 2019 by J.D. Power. Ford F-150 insurance cost differ based on the car insurance provider you choose, but it is one of the cheapest cars to insure at an average annual premium of $1,442 for full coverage. Based on our sample quotes, full coverage policies range from $1,059 to $1,348, and minimum coverage policies range from $333 to $456 from the providers below.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $333 $1,059
Geico $362 $1,349
State Farm $456 $1,300
Erie $430 $1,293
Amica $396 $1,120

Cheapest car insurance companies for Ford Focus

Ford recently announced that the Focus would be retired from the lineup to make way for new models. But if you purchase a used Ford Focus, you can likely get an affordable insurance policy. Insurance rates for a Ford Focus may range from $1,169 to $1,382 for a full coverage policy and $367 to $510 for a minimum coverage policy from these providers. However, drivers are looking at an average annual cost of $1,633 for full coverage insurance.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $411 $1,169
Geico $393 $1,338
State Farm $510 $1,392
Erie $379 $1,202
Amica $367 $1,294

Cheapest car insurance companies for Ford Fusion

The Ford Fusion sedan is a popular Ford model. In fact, the Fusion appeared on J.D. Power’s list of the top-rated sedans in 2020. With an average annual premium of $1,674 for full coverage car insurance, it is comparatively reasonable to insure. For a full coverage policy from the providers listed below, Ford Fusion insurance cost ranges from $1,152 to $1,470, and for a minimum coverage policy, the average rate is anywhere from $353 to $466.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $353 $1,152
Geico $365 $1,361
State Farm $466 $1,470
Erie $367 $1,246
Amica $376 $1,339

Cheapest car insurance companies for Ford Mustang

Ford Mustangs may be considered an affordable sports car to purchase, but you may want to ask yourself, “How much is insurance for a Mustang?” before buying one. As expected, Mustang insurance is more expensive than other Ford models at an average annual premium of $2,188 a year for full coverage. Full coverage policies range from $1,303 on the low end to $1,951 on the high end with the largest, cheap providers by market share. Minimum coverage policies are more affordable, ranging from $289 to $467. The table below includes the cheapest car insurance companies for Ford Mustang insurance:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $289 $1,649
Geico $362 $1,951
State Farm $467 $1,681
Erie $351 $1,303
Amica $345 $1,646

Other car insurance coverage for Ford

Ford owners are required to carry car insurance in almost every state. States that mandate car insurance have a minimum coverage requirement that typically includes liability insurance and sometimes uninsured/underinsured motorist coverage. If you live in a no-fault state, you may also be required to carry personal injury protection (PIP).

However, minimum coverage insurance may not provide adequate coverage or may not be an option if your vehicle is financed or leased. As a Ford owner, you might consider upgrading to a full coverage policy, which includes collision and comprehensive insurance to protect your vehicle in the event of a crash. If your Ford is financed or leased, you may be required to carry these coverages by your lender.

You can also think about raising your liability coverage limits, which can offer greater peace of mind.

Other types of car insurance that can be beneficial to Ford owners are roadside assistance, new car replacement coverage, accident forgiveness and glass repair coverage. Additionally, if you lease or finance your Ford vehicle, consider purchasing gap insurance. If your car gets totaled, gap insurance will pay the difference between your car’s diminished value and your remaining loan balance.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:

  • 2019 Ford Escape
  • 2019 Ford Explorer
  • 2019 Ford F-150
  • 2019 Ford Focus
  • 2019 Ford Fusion
  • 2019 Ford Mustang

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.