Cost of Ford Car Insurance (2025)

Ford insurance costs an average of $135 per month across all models.

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*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Ford Motor Company has held a major portion of the American vehicle market since 1903. Its F-Series pickup truck is one of the most popular vehicles in the nation, second only to the similarly priced Chevrolet Silverado pickup.[1] [2]

The average cost of liability-only coverage for Ford vehicles is $94 per month, while the full-coverage average is $177 per month, according to Insurify data. In comparison, the liability-only national average for all vehicles is $105 per month, and the full-coverage average is $196 per month.

Here’s what you need to know about finding car insurance for your Ford.

Quick Facts
  • Ford F-Series pickup trucks are among the most popular vehicles in America.

  • The Ford Mustang has been the bestselling sports car in the world since 2013.

  • USAA, GEICO, and State Farm offer the cheapest insurance for Ford drivers.

Cost of Ford insurance by model

The specific Ford model you drive will affect your premiums since your insurer will consider everything from the purchase price of your car to its safety rating, likelihood of theft, and engine size when underwriting your policy. Certain safety features may also qualify you for discounts.

The below table shows how much you might pay to insure different Ford models.

Ford Model
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
F-Series$172$92
Fusion$196$104
Escape$158$84
Focus$172$92
Mustang$229$122
Explorer$168$89
Edge$162$86
Taurus$172$91
Bronco$188$100
Expedition$170$90
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest Ford insurance by model

If you drive a Ford, you should compare car insurance quotes to find the cheapest insurance policies for the specific model and trim level you drive. Below you’ll find the cheapest car insurance companies for some of Ford’s most popular models.

  • Ford F-Series trucks are among the most popular pickups in America, spanning everything from the light-duty, full-size Ford F-150 to the heavy-duty F-250, F-350, and F-450 pickups.

    The 2025 F-150 has an MSRP range of $39,445 to $112,925, depending on the trim package. The closest similar model, the Chevrolet Silverado, also has a base MSRP of around $38,995, but the high-end models of the Chevy top out at an MSRP of $71,995.

    Check out average car insurance costs for the Ford F-Series from top insurers in the table below.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$88$42
    GEICO$104$48
    State Farm$105$49
    Allstate$117$55
    Progressive$136$88
    American Family$136$63
    Nationwide$162$77
    Travelers$171$82
    Farmers$207$98
    Liberty Mutual$222$154
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Although Ford discontinued the Fusion in 2020, you can still see plenty of examples of this midsize five-seater sedan on the road. The MSRP for the 2020 Fusion ranged from $24,365 for the base model to $35,790 for the top of the line, and Kelley Blue Book suggests a fair purchase price of $13,904 to $17,156 for anyone buying a used 2020 model. 

    Similar models include the Honda Accord, Toyota Camry, Chevrolet Malibu, and Kia Optima, all of which have a similar MSRP range.[3]

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$100$48
    GEICO$119$55
    State Farm$120$56
    Allstate$133$62
    Progressive$154$100
    American Family$155$72
    Nationwide$184$88
    Travelers$194$93
    Farmers$236$111
    Liberty Mutual$252$176
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The Escape is Ford’s compact crossover SUV offering. With an MSRP range of $29,895 to $39,605 for the 2025 model, the Escape costs about the same as its more popular competitors, the Toyota RAV4 ($30,645 to $38,950) and the Honda CR-V ($31,495 to $36,395).

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$80$39
    GEICO$95$44
    State Farm$96$45
    Allstate$107$50
    Progressive$124$80
    American Family$125$57
    Nationwide$148$71
    Travelers$156$75
    Farmers$190$89
    Liberty Mutual$203$141
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The most recent Ford Focus model is from 2018, when the manufacturer discontinued American models of this compact passenger car. The Focus was available as either a sedan or a five-door hatchback, and it competed with the similarly priced Chevy Cruze and Kia Forte and the more expensive Honda Civic and Mazda3. 

    The 2018 Focus had an MSRP range of $19,920 to $41,995, though Kelley Blue Book suggests a current fair purchase price range from $6,119 to $27,904 for a used 2018 Focus.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$88$42
    GEICO$104$48
    State Farm$105$49
    Allstate$117$55
    Progressive$135$88
    American Family$136$63
    Nationwide$162$77
    Travelers$170$82
    Farmers$207$98
    Liberty Mutual$222$154
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Since Ford launched the first-generation Mustang in the mid-1960s, it’s been a popular choice among drivers looking for an affordable sports car — and it’s been the world’s bestselling sports car over the last 10 years. A 2025 Ford Mustang has an MSRP of $33,515 to $65,975, depending on the style and trim you choose. 

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$117$56
    GEICO$139$65
    State Farm$140$66
    Allstate$155$73
    Progressive$180$117
    American Family$182$84
    Nationwide$215$103
    Travelers$227$109
    Farmers$276$130
    Liberty Mutual$295$206
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The Ford Explorer is a midsize SUV with three rows of seating. With an MSRP range of $41,350 to $55,835, the Ford Explorer sits squarely in the same price range as its competitors: the Honda Pilot, Chevy Traverse, Kia Telluride, and Hyundai Palisade.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$86$41
    GEICO$102$47
    State Farm$103$48
    Allstate$114$53
    Progressive$132$86
    American Family$133$61
    Nationwide$158$75
    Travelers$167$80
    Farmers$202$96
    Liberty Mutual$216$151
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Ford doesn’t plan to offer the Edge after the 2024 model year, ending the two-row midsize crossover SUV’s nearly two-decade run. Drivers interested in purchasing a new Ford Edge can expect to pay an MSRP of $39,960 to $48,700 for a 2024 model. 

    The base price for the Edge is more expensive than some of its closest competitors, such as the Hyundai Santa Fe and the Nissan Pathfinder, but more affordable than others, including the Dodge Durango and the Honda Passport.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$83$40
    GEICO$98$46
    State Farm$99$46
    Allstate$110$51
    Progressive$127$83
    American Family$128$59
    Nationwide$152$73
    Travelers$160$77
    Farmers$195$92
    Liberty Mutual$208$145
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The last Ford Taurus rolled off the assembly line on March 1, 2019, bringing an end to the reign of this popular five-seat passenger sedan. As of 2019, the original MSRP for a Taurus ranged from $28,895 to $44,865, although Kelley Blue Book recommends a fair purchase price of $17,907 to $24,717 for used 2019 models purchased today. 

    Compared to the same model year of competitors, like the Toyota Avalon and Buick LaCrosse, the Taurus had a lower MSRP and a lower fair purchase price.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$88$42
    GEICO$104$48
    State Farm$105$49
    Allstate$116$55
    Progressive$135$88
    American Family$136$63
    Nationwide$161$77
    Travelers$170$81
    Farmers$207$98
    Liberty Mutual$221$154
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Often referred to as the world’s first sport-utility vehicle, the Ford Bronco first rolled off the assembly line in 1965. Ford discontinued the Bronco in 1996 but brought it back in 2021. With standard 4-wheel drive, the Bronco was engineered for off-roading and seats five passengers.

    The MSRP for a 2025 Bronco starts at $39,890 for the base trim level and rises to $91,930 for the Raptor trim.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$96$46
    GEICO$113$53
    State Farm$114$54
    Allstate$127$60
    Progressive$148$96
    American Family$149$68
    Nationwide$176$84
    Travelers$186$89
    Farmers$226$107
    Liberty Mutual$241$168
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • With three rows, the Expedition is Ford’s biggest SUV. Ford fully redesigned the 2025 Expedition, with features including a new exterior, interior, and infotainment system.

    The base MSRP for the Expedition Active trim level is $63,995, and the MSRP increases to $85,650 for the King Ranch trim.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$87$42
    GEICO$103$48
    State Farm$104$49
    Allstate$115$54
    Progressive$134$87
    American Family$135$62
    Nationwide$160$76
    Travelers$169$81
    Farmers$205$97
    Liberty Mutual$219$153
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best companies for Ford car insurance

The best auto insurance company for you depends on your circumstances. Since insurers use a number of factors to determine your premium rates, the best and cheapest options will vary for drivers with different demographics and driving histories. Additionally, where you live can also affect your auto insurance costs.

Here are three of the best car insurance companies for Ford insurance.

Best for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
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.
$47/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.
$98/mo
4.9
Best choiceBased on 1,918 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,114)

Peter

April 16, 2025

Verified Review

Excellent Insurance, Although Expensive

I rely on the excellent support provided by USAA.

Richard

April 14, 2025

Verified Review

Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct

This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.

Alan

April 14, 2025

Verified Review

Time for a Change

Great experience.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. 

Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s 2024 U.S. Auto Insurance Study.

Pros
  • High customer satisfaction

  • Low premiums

  • SafePilot program rewards good driving with a discount of up to 30%

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

  • Customer reviews are mixed for service and claims processing

Best for overall customer satisfaction: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$55/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.
$117/mo
4.2
Best choiceBased on 10,502 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,785)

Daniel

April 16, 2025

Verified Review

Good

It's expensive, but they are good at paying claims.

Betina

April 16, 2025

Verified Review

Great! Need Lower Cost!

The experience is great! As a retired senior citizen, I'm struggling to make ends meet. I need a cheaper/lower cost premium.

Juanita

April 16, 2025

Verified Review

I am the Policyholder

I am very satisfied. I wouldn't go anywhere else.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranks highly for customer satisfaction in many regions in the J.D. Power 2024 U.S. Auto Insurance Study.

Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

  • Savings for bundling auto with home, renters, condo, or life insurance

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

  • Accident forgiveness limited to longtime customers with clean driving records

Best for drivers older than 25: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
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.
$54/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.
$116/mo
4.0
Best choiceBased on 11,420 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,246)

Joel

April 16, 2025

Verified Review

Best rates out there

Excellent.

Juan

April 16, 2025

Verified Review

Excellent

Very good.

Paul

April 16, 2025

Verified Review

Price

It's good, but the price is increasing every year and it's not worth it.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. 

The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints for a company of its size.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

  • A+ (Superior) financial strength rating from AM Best

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

  • Lower customer satisfaction scores from J.D. Power

Average cost of Ford insurance by state

Your location is one of many factors that affect your car insurance rates. In the chart below, you can see how much drivers pay for car insurance in different states across all Ford models.

Full-Coverage Rates by State

State
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
Alabama$129
Arizona$158
Arkansas$232
California$218
Colorado$199
Connecticut$303
Delaware$223
Florida$208
Georgia$226
Idaho$113
Illinois$154
Indiana$131
Iowa$110
Kansas$149
Kentucky$196
Louisiana$201
Maine$136
Maryland$307
Massachusetts$161
Michigan$251
Minnesota$177
Mississippi$188
Missouri$175
Montana$150
Nebraska$158
Nevada$254
New Hampshire$102
New Jersey$161
New Mexico$144
New York$427
North Carolina$85
North Dakota$124
Ohio$117
Oklahoma$161
Oregon$146
Pennsylvania$157
Rhode Island$134
South Carolina$244
South Dakota$117
Tennessee$135
Texas$214
Utah$166
Vermont$137
Virginia$174
Washington$145
District of Columbia$311
West Virginia$142
Wisconsin$120
Wyoming$108

Source: Alaska and Hawaii omitted due to insufficient data.

How to get insurance through Ford

Ford offers its own car insurance product, called Ford Insure. On its website, the company says you can get a quote in 30 seconds or less. All types of vehicles are eligible for coverage, so you don’t necessarily need to drive a Ford to get a policy. 

The company offers standard coverages, and rental reimbursement coverage is included. But it doesn’t offer many optional add-on coverages. Ford offers several discounts, including a multi-vehicle discount, new car discount, and good student discount. 

Ford Insure doesn’t list its availability on its website, but you can call a Ford Insure representative at 1 (888) 270-0025 for more information.

How to ensure you have enough coverage on your Ford

You might choose to carry a number of different types of insurance coverages for your Ford. Here are some of the most common coverages that can meet your insurance needs:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    Bodily injury liability coverage is mandatory in most states and covers the cost of medical bills and other associated expenses of someone who is injured in an accident you cause.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Property damage liability

    Property damage liability coverage is also mandatory in nearly all states. It covers the cost of repairing or replacing someone else’s property that’s damaged in an accident you cause.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection (PIP)

    Depending on which state you live in, this kind of coverage may be mandatory. PIP will pay for your medical bills and associated expenses if you’re hurt in an accident, no matter who caused it.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Required in some states, uninsured/underinsured motorist coverage will pay for your medical bills and associated expenses if you’re injured in an accident that an uninsured or underinsured driver causes.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    No states legally mandate collision coverage, though if you lease your Ford vehicle your lender may require you to carry it. This coverage pays to repair or replace your vehicle if it’s damaged in an accident, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Another optional coverage, comprehensive coverage pays to repair or replace your vehicle if anything other than a car accident damages it, such as theft, vandalism, or bad weather.

Ford car insurance FAQs

Finding the right auto insurance as a Ford driver will depend on your particular circumstances, including what specific model you drive, your driving history, your location, your credit history, and your age. Here are answers to some of the most commonly asked questions about Ford insurance.

  • USAA offers the least expensive liability-only and full-coverage insurance for Ford vehicles, according to Insurify data. Since USAA is only available to military members and their families, civilians will find that GEICO and State Farm offer the cheapest Ford insurance, Insurify data shows.

  • The cost of insuring a Ford vehicle varies among the different Ford models. While the Ford Escape, Edge, and Explorer are among the least expensive models to purchase full coverage for, according to Insurify data, the Mustang is one of the most expensive, only outstripped by the BMW 6-Series, 7-Series, and 4-Series.

  • For a 2024 Ford Mustang, liability-only coverage costs $183 per month, and full coverage costs $334 per month, Insurify data shows.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Ford. "Company Timeline."
  2. Edmunds. "Most Popular Cars in America."
  3. Kelley Blue Book. "Vehicle Prices."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Emily has been a contributor at Insurify since October 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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