Ford Motor Company is an American automobile manufacturer headquartered in Dearborn, Michigan. The company was founded by Henry Ford in 1903. Today, Ford is the second-largest U.S. automaker and the sixth-largest in the world. It manufactures a long list of popular and highly regarded cars, trucks, and vans. You'll need to protect your Ford vehicle with the right kind of car insurance to protect against costs stemming from collisions, liability, and more.
A local independent insurance agent can help you find the best insurance for a Ford. They know which carriers are known for offering quality Ford vehicle coverage at a great rate. But first, you can use our Ford insurance guide to learn average costs per model, which types of coverage to look for in a policy, and more.
Key Takeaways - Ford Car Insurance
Ford insurance costs an average of $1,730 per year, or approximately $144 per month, for full coverage.
Ford insurance is an auto insurance policy that can include many different types of coverage, such as liability, collision, comprehensive, roadside assistance, and medical payments.
Ford car insurance rates are quite comparable to the national average cost of $1,759 per year, or approximately $147 per month.
The Ford Mustang is the most expensive model to insure of those we compared, costing an average of $2,006 per year, or approximately $167 per month, for full coverage.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford model.
What Is Ford Insurance?
Ford insurance is a type of car insurance policy that includes several types of coverage for a Ford vehicle. A Ford insurance program can include many different types of protection, such as liability, collision, theft, roadside assistance, medical payments, and more. The more you add to your Ford insurance policy, the more coverage you'll have for your vehicle.
Recommended coverage options for Ford drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Many states require at least some of these types of coverage by law. Working with a local independent insurance agent is the best way to ensure you get equipped with all the required Ford insurance coverage.
How Much Does Ford Insurance Cost?
The average cost of Ford insurance is $1,730 per year, or approximately $144 per month, for full coverage. When compared to the current national average cost of car insurance, which is $1,759 annually, or approximately $147 per month, Ford car insurance rates are quite similar. Insurance for Fords can be more affordable due to the brand's high safety scores, lower theft rates, and cheaper custom parts and repairs compared to most vehicles.
Ford Insurance Costs by Popular Models
Your Ford model can greatly impact your car insurance premiums. You'll also see different average costs for coverage for Ford sedans vs. SUVs or trucks. We compared quotes for popular Ford models to provide a clearer range of car insurance rates for the brand.
| Model | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Ford Escape | $1,468 | $122 |
| Ford Explorer | $1,611 | $134 |
| Ford Bronco | $1,948 | $162 |
| Ford F-150 | $1,980 | $165 |
| Ford Maverick | $1,988 | $166 |
| Ford Mustang | $2,006 | $167 |
An independent insurance agent near you can help you find affordable car insurance for whichever type of Ford you drive.
Are Fords Expensive to Insure?
No, Ford is not an expensive brand to insure. We compared several popular Ford models and found that, in general, car insurance for a Ford is similar to the national average. You should be able to find affordable coverage for most Ford models.
What Other Factors Affect Ford Insurance Costs?
Beyond your vehicle's make and model, several factors, including your location, the car insurance company you go through, your claims history, and more, can impact your auto insurance rates. Some of these additional factors include:
- Your driving history
- Your claims history
- Your annual mileage
- The amount of coverage and deductible that you choose
- Your age, gender, and marital status
- Your credit score (where allowed)
- Your location
Working with a local independent insurance agent is a great way to find affordable Ford insurance near you.
Add-On Protections Worth Considering for Your Ford
Your vehicle is an investment, so you want all the best insurance coverage for your Ford. You may need to add a few additional protections to your policy to complete it, such as:
- Gap insurance: If you own a new or financed vehicle, Ford gap insurance coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can pay to replace your Ford with another vehicle of the same model if yours is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase after an accident.
- Ford warranty insurance: This coverage can prolong your Ford extended warranty to help cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: Ford OEM parts coverage can pay the full cost to replace your vehicle's parts with genuine Ford parts during the repair process.
Work with an independent insurance agent to compare all your Ford insurance coverage options and assemble a comprehensive auto policy.
Best Car Insurance Companies for Ford Owners
Some car insurance companies are known for offering better Ford coverage than others. We've included some of our top recommendations for the best Ford car insurance companies for 2026.
| Car Insurance Company | Avg. Monthly Full Coverage Premium | Avg. Monthly Minimum Coverage Premium |
|---|---|---|
| Nationwide | $112 | $47 |
| Travelers | $117 | $46 |
| Allstate | $128 | $52 |
An independent insurance agent can help you find cheap Ford insurance from a reputable local carrier, no matter which model you drive.
How to Lower Your Ford Insurance Premiums
While Ford insurance tends to be affordable as it is, you may still enjoy greater savings on your premiums by following these tips:
- Compare quotes from multiple carriers: Shopping and comparing Ford car insurance quotes from multiple carriers can help you find the most affordable Ford insurance coverage. A local independent insurance agent can do this step for you.
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable car insurance for your Ford.
- Take advantage of Ford insurance discounts: Many car insurance companies offer common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, which can help you save considerably on your coverage.
- Maintain a clean driving record: Keep your driving record free of accidents, tickets, and other traffic violations to possibly earn good driver discounts and even lower your car insurance premium rates.
- Choose a higher deductible: Selecting a high deductible can lead to lower car insurance premiums, but understand that you'll have to pay more out of your own pocket if you file a claim.
- Enroll in telematics programs: Your car insurance company or Ford may offer telematics programs, such as those that track your driving habits or vehicle usage, to help potentially reduce your car insurance rates. Ford telematics insurance may not be available from every dealership or carrier.
Your independent insurance agent can help you apply any savings you qualify for to reduce your Ford insurance premiums.
An Independent Insurance Agent Can Help You Get the Best Ford Insurance Quotes
When it's time to find the most affordable, quality Ford insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Ford insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Insurance
Is Ford insurance more expensive than insurance for other brands?
No, Ford insurance is actually less expensive than coverage for most other car brands. Ford's average car insurance rates are actually slightly lower than the current national average cost of auto insurance overall.
What's the most expensive model of Ford to insure?
We found that the Ford Mustang is the most expensive model to insure of those we compared, with an average annual rate of $2,006, or approximately $167 per month.
What's the cheapest model of Ford to insure?
The Ford Escape is the cheapest Ford model to insure of those we compared, with an average annual rate of $1,468, or approximately $122 per month.
Does Ford offer its own insurance product?
Yes, Ford offers its own insurance product known as Ford Insure, which includes Ford OEM parts coverage and rental reimbursement coverage.
Is insurance higher for F-150 trucks or Mustangs?
Our research found that car insurance is more expensive for Ford Mustangs than Ford F-150s. However, your insurance rates may vary depending on your location, driving history, and the model year of Ford you drive.
Does installing aftermarket accessories affect my premium?
Yes, installing aftermarket accessories may influence your car insurance premiums. Be sure to let your independent insurance agent know about any modifications you make to your Ford.
Sources
https://www.thezebra.com/auto-insurance/vehicles/ford/
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/
https://www.moneygeek.com/insurance/auto/ford-car-insurance/
https://www.ford.com/ford-insure/alset-insurance/