Car insurance for Fords

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As a proud Ford owner, you probably already have car insurance on your vehicle which protects you in the event of an accident. Many drivers look for the best price when shopping around for coverage. However, car insurance companies calculate premiums differently, meaning your make and model could impact the cost of your car insurance.

Currently, drivers in the U.S. pay an average of $1,674 per year for full coverage. Although insurance premiums are driven by demographic factors like age, gender and location, your claims history, coverages needed and vehicle type all influence your annual cost. Before you select which insurance provider is right for you, consider the following average cost differences – provided by Quadrant Information Services – based on your individual Ford model.

Models included in this review:

*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

How much does it cost to insure a Ford?

Every car insurance carrier will set unique guidelines for how a premium is calculated. Although nearly every company bases their rate on factors like age, gender (in most states), location, driving record, insurance history and vehicle type, each company will value the factors differently. With a national average of $1,674 per year for full coverage, drivers should understand that certain aspects of owning a Ford could influence your insurance costs:

  • Price of parts: When an insurance company pays out a claim, the average cost of repairs for a vehicle is always a concern. If your vehicle requires expensive repairs due to imported or hard-to-find parts, your insurance premium is likely going to be higher than a vehicle that is quicker and cheaper to repair. Fords are commonly driven in the U.S. with Ford F-150s being the best selling truck for over 40 years. In general, mechanics can usually find the parts needed for repairs.
  • Safety features: As technology continues to advance, vehicle safety features are expanding in all Ford vehicles. Although the available safety feature varies by year and model, your Ford may have emergency braking, automatic high beams, blind-spot monitoring, adaptive cruise control and evasive steering. You may find that a vehicle with top safety features has a lower auto insurance premium if the features have been statistically proven to prevent accidents.

Car insurance for a Ford: by model

Because each company sets its own insurance rates based on vehicle model, the following sections are designed to give you an overview on the national average insurance rate at some of the top insurance companies. Drivers should always keep in mind that their individual quote will vary based on their unique circumstances. However, these rates will be a helpful reference for anyone who is considering getting a new quote for their car insurance.

Cheapest car insurance companies for Ford Escape

The Ford Escape is one of the cheapest Ford models to insure. The average annual 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 $32,925 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

Ford features that impact insurance costs

Advanced technology and improved safety features can not only keep drivers safe on the road but may also lower the cost of insurance. Since insurance carriers often use local, state or national statistics to determine rates, a vehicle that is less likely to be involved in a claim may be cheaper to insure. Ford is known to have many safety features designed to lessen the risk of a serious accident:

  • BLIS: Blind spots have been a source of major car accidents for decades. BLIS, or Blind Spot Information System, is designed to help drivers change lanes or enter a roadway safely by detecting potential vehicles in any blind spots and alerting the driver.
  • Lane-Keeping System: Another common cause of car accidents is sideswiping another vehicle. To help prevent sideswipe accidents, Ford utilizes a Lane-Keeping System that will alert drivers when they have drifted too far from the center of their lane.
  • Evasive Steering Assist: When talking about car accidents, rear-end collisions are another common type. Ford’s Evasive Steering Assist system warns a driver when a vehicle suddenly slows or stops ahead and provides steering support for smooth maneuverability.

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
Jessie See
Insurance Contributor
Jessie See has a year of experience writing for Bankrate.com, Reviews.com and other insurance domains. She has covered topics ranging from auto and homeowner’s insurance to life insurance. She has been writing professionally for over a decade with experience in a variety of different topics and industries. Prior to becoming an insurance writer, she worked as a legal assistant in the field of personal injury law and as a licensed sales producer at various insurance agencies.
Edited by
Insurance Editor