People who buy Ford do it because they want excellent value for their money. That means they don’t want to overpay for their Ford insurance. The company is well aware of that and has created several important partnerships with different insurance companies, bringing significant benefits and discounts to their buyers.
But are they the best solution? We will check that by analyzing insurance offers, coverage types, quotes, and discounts Ford owners can expect from both recommended and other insurance companies. You can even find tips on how to reduce the insurance price considerably.
We will help you spend less time searching for insurance and more time enjoying your new ride. Sounds good? Let’s start.
How Much Is Ford Auto Insurance?
Our analysis pulled insurance rates for the five most popular Ford models in the last five years. Fords are very affordable to buy, run, and insure. The average insurance price we got was around $174 per month, with the lowest being $151 per month.
On the other hand, the most expensive insurance came to almost $226 per month. Still, it’s cheaper than Audi or Tesla insurance, for instance.
The affordable price doesn’t mean that the coverage is bad—our research indicated that there are a lot of high-quality insurers. Check the full details of our rate and coverage comparison below.
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Average Ford Insurance Cost by Model
In the following section, you will find average insurance prices for different Ford models. We would like to remind you that these are average values, and your quote will probably be a lot different, given the fact that the insurance companies calculate it for every client individually, based on a number of different factors (age, marital status, address, education, work, prior traffic offenses, and similar).
Ford Fusion Insurance Cost
On average, this 5-seat sedan will cost $150 per month to insure. The cheapest company to insure a new car is Allied, with an average premium of $74 a month. However, if you own a 10-year-old Fusion, the cheapest insurer would be Erie, with a premium of just $60 per month. If your car just turned five, you better insure it with GEICO, as it offers the lowest rate—$65 per month.
Ford Mustang Insurance Cost
If you want to drive one of the most iconic sports cars in history, it will not cost you dearly to insure it. However, considering the rising gas prices, you could use the extra money to fill the tank of this gas guzzler.
The average insurance price for a new car is $163/month, with Allied offering the lowest premium—$71/month. On the other hand, if you drive an older model, the prices change, and for a 10-year-old car, Earie and GEICO offer the cheapest insurance—around $65 per month.
Ford F150 Insurance Cost
Ford F-150 is one of the most popular vehicles in the US. Besides offering an excellent quality-price ratio, it is easy and cheap to maintain. Another benefit is cheap insurance. The average monthly premium is just $87, and GEICO is taking affordability to a different level by offering the cheapest insurance—$35/month for a four-year-old car. Moreover, you will pay even less if your vehicle is 10 years old—around $30/month.
Ford Ranger Insurance Cost
Ranger is one of the most popular Ford small trucks. The model is all about affordability, and luckily, it also extends to insurance. On average, the monthly premium is just $67. If your truck is more than 10 years old, you will pay even less. Namely, with GEICO, the monthly premium would be below $40. American Family is the most expensive option—$70/month.
Ford Raptor Insurance Cost
If you like F-150 and Ranger trucks but feel they could use more power and better trim, Raptor versions of these models are a good choice. It’s Ford’s “high-performance” line of pickup trucks and SUVs that look both rouged and luxurious.
They will also be more expensive to insure than their “plain” versions. For instance, a three-year-old F-150 Raptor would cost you $202/month with State Farm, while your monthly premium for a 10-year-old model would be just over $160.
Ford Focus Insurance Cost
The Focus series of hatchbacks and sedans is globally popular, and the insurance companies like it too because they can make a profit from it. However, it is not cheap to insure, considering its class. Namely, the average monthly insurance rate for it is $139.
If you want to save some money, your best bet would be Allied because it will charge you only $86 per month for a new car. However, if your car is about 10 years old, GEICO is the cheapest insurer, with just over $50/month.
Ford Escape Insurance Cost
Ford Escape is a compact crossover SUV Ford has been making since 2000 over four generations. Logically, the latest generation is the most expensive to insure. The average insurance price comes to $116 per month, but if you want to save money, Allied would be a sound choice—it will charge you only around $55 per month. If your SUV is over 10 years old, go for GEICO—your monthly premium will be below $40.
Ford Explorer Insurance Cost
This seven-seat SUV is an ideal choice for large families. It is also budget-friendly to insure, considering its size, price, and comfort it provides. The average insurance rate for a new car is $131/month. Moreover, GEICO offers the cheapest insurance for a five-year-old car—around $58 per month. If your vehicle is more than 10 years old, Erie will charge you a monthly premium of just over $50.
Ford Insurance: Best Companies
We have listed the models and prices. But the price is just one part of the equation. You should also consider factors like coverage amounts, discounts, benefits, and even the company’s reputation. Having this in mind, we have conducted research to find out the best companies to insure your Ford. Take a look at the results:
Best Overall: Ford Insure
Pros:
- Written by Nationwide
- Repair shops use only original parts
- Great discounts for safe drivers
- You can buy it while buying your car
- Great optional coverage
Cons
- Must be Ford or Lincoln owner to apply
This option brings many benefits, and the most significant one is safety. Namely, the policies are written by Nationwide, a trusted insurer that’s been on the market for over a century.
The second most important thing is the discount policy. You can expect up to a 40% price reduction if you connect to the FordPass App with FordPass Connect. Of course, you need to drive carefully to get the discount. Namely, a team from Ford Insure reviews your driving habits to determine if you are eligible for high discounts. The good news is that you get a 10% discount just for signing in.
Another thing we like is that you don’t have to wait an entire year to see what discounts you will get; with this program, the first results will be visible in four to six months.
You can purchase the insurance on the Ford Credit main page while buying your car, which is very convenient.
Another great perk is the access to the Ford Certified Collision Network center. This means that any malfunction or damage will be repaired in a certified repair shop using original Ford parts and equipment.
If you are interested in finding out more, you can do it by contacting the company’s customer service. Ford car insurance contact number is 0333 234 9976, but you can also reach them via live chat on the website.
Best for Discounts: GEICO
Pros:
- Financially strong
- Affordable prices and great discounts
- Military and Federal employee discounts
- Guaranteed renewal for senior drivers
Cons
- High rates for drivers with previous violations
GEICO is one of the largest insurers in the US, and it’s also a part of Berkshire Hathaway, Warren Buffet’s company. Fortunately, the company’s good financial standings are not based on ripping off customers, and the prices are affordable. On top of that, it also has some attractive discounts to make your Ford car insurance even cheaper.
Besides all the standard deals you can find with other insurers, GEICO also offers price reductions to military personnel and active and retired government employees. For example, the Emergency Deployment Discount enables military personnel to get a 25% deduction on top of the 15% initial price reduction.
Former and active government employees also have benefits—an 8% initial reduction on their quote for Ford. The discounts don’t end there—you also get them if you are a member of one of GEICO’s partner organizations. With so many benefits, it’s only natural to assume that clients are generally happy. Not surprisingly, GEICO is always near the top in J.D.Power’s annual studies.
One of the factors contributing to such high grades is the fact that the company is very kind to senior drivers. Namely, its Prime Time contract program guarantees insurance renewal to drivers over 50 if they meet certain conditions.
Best for Customer Satisfaction: Amica
Pros:
- Excellent customer service
- A dividend policy
- Unique perks
Cons
- Not the cheapest on the market
For people who look for Ford insurance and customer service is their top priority, Amica is the best option. It is one of the best-rated insurance companies in the J.D.Power customer satisfaction study and has been at the top for years.
However, it is not the first on the list in every region. For instance, Farm Bureau Tennessee is a better choice if you live in the Southeast region. On the other hand, Californians looking for the best customer service should go for Wawanesa insurance.
Amica also excels in financial stability (has A.M. Best rating of A+), offering many discounts and dividends for clients. However, it doesn’t have many optional coverages and is not the cheapest on the market; Ford Focus car insurance is more expensive than most competitors. The bottom line is that Amica is a no-frills insurer but gets excellent scores in all crucial departments, especially customer service.
Best for Safe Drivers: Allstate
Pros
- Claims Satisfaction Guarantee
- Solid financial strength
- A decent number of discounts
- Great rewards for driving safely
Cons
- Average customer service
Regarding customer satisfaction, Allstate ranks just below average in all regions except Florida, where it’s the second-best rated company. It is not the cheapest option on the market, especially for teens and people with driving offenses.
But if you are a safe driver, you will love it because it offers high discounts for people who put safety above everything else. Allstate and Ford have a strategic partnership where drivers connect to a dedicated app, and the company monitors their driving habits. If they are deemed safe, they will have significant price reductions.
Allstate is financially stable and has A+ (Superior) A.M. Best rating, proving that it can handle any claim. However, if you are unsatisfied with how the company operates your claim, there is a “Claim Satisfaction Guarantee.“ This means you can get reimbursed for up to six monthly premiums for your Ford if the insurance company doesn’t meet your expectations.
Best for Risky Drivers: Progressive
Pros
- One of the largest car insurers
- Great apps and online tools
- A Name Your Price option
- Suitable for drivers with accident records
Cons
- Customer support could be better
Progressive Insurance is the fourth-largest insurance company in the US, operating in all 50 states. It offers affordable insurance for all vehicle types. Most importantly, it provides affordable insurance for all types of drivers. Unlike other insurers who make risky drivers overpay, Progressive is not so harsh on people who occasionally like to test their cars’ top speed.
This is especially important for drivers who own sports models built by the Ford Motor Company. Insurance premiums won’t limit their driving experience. However, the company doesn’t condone risky behavior, and you’ll pay more if you are a reckless driver. But the price increase for traffic offenses isn’t so extreme as with other insurers.
Luckily, numerous discounts will take down the overall price. In addition, you can even “Name Your Price.” This means you can say upfront what amount you are comfortable paying, and the company’s experts will find the best coverage within those limits.
Unfortunately, Progressive isn’t so great in the customer satisfaction department. J.D. Power studies rated it as the average across all regions in the US. But we guess that’s a price speed lovers would gladly pay.
Ford Insurance Shopping Tips
Get Quotes From Different Insurers
Each insurer has its way of calculating risk, and it is based on numerous client-specific factors. That’s why it is better to choose several interesting companies and request quotes from all of them. You will be surprised by how the prices can vary.
Another good reason for shopping around is that many companies use price optimization. This process includes monitoring your online activity and your interaction with insurance companies. If a company concludes you might go to the competition, you will probably get a lower price. Saving money on this will probably make it easier for you to pay your Ford credit installments.
This also works for people who don’t plan to switch insurance. Browsing through the competition will probably alert your insurer, and they will try to keep you by offering better prices.
Prices and Discounts
You can save a lot on your insurance if you use discounts smartly. Most companies offer standardized discounts for insurance bundling, paying online and upfront, safe driving, and similar. But some companies take it even further by having reduced prices for certain occupational groups (army personnel, firefighters, police officers, and more).
Nationwide, a company that writes policies for Ford Insure has a helpful feature called On Your Side Review. The company experts will examine your file and ensure you get all eligible discounts. Furthermore, they will do it at every major change in your life (and insurance policy).
The longer the list of discounts, the more chances you have for qualifying. Don’t be afraid to ask questions if something is not clear (especially about combining discounts). You should also explore discount policies, like checking your options with Ford Auto Finance.
Plans and Customization Options
Flexibility is important. You should choose a wide array of plans and customization options because our lives change, and our insurance should follow. We get married, buy homes and new cars, have kids, and more. The last thing you want to do during significant life changes is go through lengthy and tiresome procedures.
Company Ratings and Customer Satisfaction
Don’t just trust the commercials—check out what your peers have to say about the insurance company you are considering. Also, check Ford insurance reviews and what experts say about the company—we have one of the largest libraries of insurance reviews.
Additional Benefits
Some insurance companies offer benefits like road assistance, valet services, original parts replacement, and discounts from various associated companies. It may be a great way to save your money and make your life easier in case of an emergency. But remember to choose according to your needs.
For instance, Ford Motor Company insurance benefits like the Original Parts Replacement may be not be useful to people who don’t have many authorized repair facilities. On the other hand, the valet service some companies offer can be very useful if you live or travel to areas where you don’t have anyone to call to pick you up in case of an accident. So, choose the benefits you might use.
People Also Ask
Is Ford expensive to insure?
In general, Ford cars are not expensive to insure. This is mainly due to the wide availability of spare parts and the low cost of repairs. Furthermore, the vehicles are produced in large numbers and have a relatively affordable price. However, Ford offers some high-performance models like RS and Raptor variants of standard models, and they can be pricier to insure due to exclusivity and higher price.
Which car is cheapest in insurance?
It is hard to say which car is the cheapest to insure in the US because the premiums are calculated for each client individually. Some factors affecting the price are driving record, location, and vehicle use (personal or business, yearly mileage, past claims, and more). In general, we can say that SUVs and pickup trucks are cheaper to insure than family sedans.
Why is insurance so high on Ford Fusion?
In general, family sedans have higher insurance rates. Ford Fusion is not any different. This is because there are often multiple passengers in this type of car. More passengers mean insurance companies have more medical expenses to cover. Another reason is that Fusion has a lot of variants, many of which are sporty or have luxury trims and equipment. As a result, that increases repair costs.
Is Chevy or Ford cheaper to insure?
It is hard to say which car is cheaper to insure because it depends on the model, trim, the area clients live in, how many miles they drive daily, their driving records, credit score, and similar. But we can say that, conditionally, Ford cars are cheaper than Chevrolet to insure since the latter producer doesn’t have any vehicles on “cheapest to insure” lists.
On the other hand, Ford has two models on that list—Escape and F-150, making Ford insurance one of the cheaper on the market.
