Ford's E-series was a line of passenger and cargo vans that first debuted in the 1960s. While Ford discontinued the line in 2014, popular models can still be spotted on the road for both personal and business use, such as the Ford E-Transit-350. If you still own an E-Series vehicle, it needs to be protected with the right car insurance.
When it's time to find the best Ford E-Series insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Ford E-Series in 2026.
Key Takeaways - Ford E-Series Car Insurance
Ford E-Transit-350 insurance costs an average of $2,908 per year, or approximately $242 per month, for full coverage in 2026.
Progressive, Nationwide, American Family, Liberty Mutual, and USAA are the best carriers for Ford E-Series insurance this year.
Ford E-Series insurance costs vary considerably by state, with good drivers in Michigan paying an average of $5,823 annually for full coverage, while those in Hawaii pay only $1,346.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford E-Series insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford E-Series model.
What Is Ford E-Series Insurance?
Ford E-Series insurance is a car insurance policy that includes customized coverage options for your specific vehicle. As a cargo van, E-Series vehicles may require additional coverage beyond that needed by standard sedans. However, the E-Series's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Ford E-Series drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- 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.
- 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.
Add-on coverage options worth considering for a Ford E-Series:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Ford vehicle, this 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 cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Your local independent insurance agent can help you get equipped with all the required types of auto insurance for a Ford E-Series in your state.
How Much Does Ford E-Series Insurance Cost?
The average cost of car insurance for a Ford E-Transit-350 cargo van is $2,908 per year, or approximately $242 per month, for full coverage. However, several factors can influence the cost of Ford insurance, including:
- The specific type of E-Series you drive
- Annual mileage
- Your credit score (where allowed)
- Your driving history
- The types and amount of coverage you need
- Your claims history
- Vehicle safety features
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford E-Series full coverage insurance or a basic Ford E-Series liability insurance policy.
Is the Ford E-Series Expensive to Insure?
Yes and no. While the Ford E-Series is more expensive to insure than many other vehicles, including typical sedans, the popular E-Transit-350 model is actually less expensive to insure than other popular full-size van models by $225 per year. However, the cost of your specific Ford E-Series insurance policy can depend on the model year you drive and other factors.
Top Ford E-Series Car Insurance Companies for 2026
Many different carriers offer affordable Ford E-series auto insurance. These outstanding Ford car insurance companies are our top picks for Ford E-Series insurance in 2026.
| Insurance Carrier | Overall Carrier Star Rating |
|---|---|
| Progressive |
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| Nationwide |
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| USAA |
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| American Family |
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| Liberty Mutual |
4.5 Stars
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Ford E-Series Car Insurance Rates by State and Driver Profile
A driver's location, credit, and driving history can all significantly affect car insurance premiums. Here are some average auto insurance rates for the Ford E-Transit-350 by state for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $3,081 | $4,474 | $5,695 |
| Alaska | $2,548 | $3,532 | $3,433 |
| Arizona | $2,881 | $4,165 | $6,135 |
| Arkansas | $3,158 | $4,962 | $5,464 |
| California | $3,517 | $6,219 | $3,517 |
| Colorado | $3,282 | $4,593 | $5,827 |
| Connecticut | $4,193 | $6,502 | $8,254 |
| Delaware | $3,471 | $4,626 | $5,941 |
| Florida | $4,133 | $5,717 | $7,450 |
| Georgia | $3,369 | $5,038 | $5,080 |
| Hawaii | $1,346 | $1,827 | $1,346 |
| Idaho | $2,338 | $3,100 | $3,768 |
| Illinois | $2,447 | $3,699 | $4,218 |
| Indiana | $2,514 | $3,844 | $4,313 |
| Iowa | $1,992 | $2,731 | $3,212 |
| Kansas | $2,650 | $3,855 | $4,509 |
| Kentucky | $3,830 | $5,623 | $6,640 |
| Louisiana | $4,917 | $7,433 | $8,059 |
| Maine | $1,859 | $2,570 | $3,794 |
| Maryland | $3,009 | $4,379 | $4,864 |
| Massachusetts | $2,413 | $4,209 | $2,413 |
| Michigan | $5,823 | $8,873 | $13,996 |
| Minnesota | $2,397 | $3,196 | $4,500 |
| Mississippi | $2,893 | $4,127 | $4,154 |
| Missouri | $2,726 | $3,898 | $5,121 |
| Montana | $2,772 | $3,868 | $4,502 |
| Nebraska | $2,343 | $3,465 | $3,765 |
| Nevada | $3,865 | $5,733 | $6,056 |
| New Hampshire | $2,689 | $4,251 | $5,374 |
| New Jersey | $2,962 | $4,647 | $6,081 |
| New Mexico | $3,025 | $4,500 | $4,671 |
| New York | $2,802 | $3,528 | $5,889 |
| North Carolina | $1,737 | $2,984 | $2,128 |
| North Dakota | $2,377 | $3,612 | $4,272 |
| Ohio | $2,119 | $3,269 | $3,352 |
| Oklahoma | $3,384 | $4,846 | $5,456 |
| Oregon | $3,080 | $4,132 | $4,935 |
| Pennsylvania | $2,594 | $3,809 | $4,456 |
| Rhode Island | $4,331 | $6,353 | $7,154 |
| South Carolina | $2,941 | $4,076 | $5,626 |
| South Dakota | $2,639 | $3,802 | $4,388 |
| Tennessee | $3,103 | $4,569 | $6,084 |
| Texas | $3,126 | $4,515 | $5,616 |
| Utah | $2,659 | $3,725 | $5,126 |
| Vermont | $2,047 | $3,152 | $3,331 |
| Virginia | $1,928 | $2,960 | $2,901 |
| Washington | $2,552 | $3,464 | $4,136 |
| West Virginia | $2,568 | $3,677 | $4,607 |
| Wisconsin | $2,560 | $3,996 | $4,558 |
| Wyoming | $2,390 | $3,346 | $3,563 |
Average Ford E-Series Insurance Rates by Driver Age and Profile
Your age is one of the main factors that influences car insurance costs. Teens and young drivers pay the highest average rates for Ford E-Series insurance. Car insurance rates often start dropping dramatically around age 25. However, once a driver reaches about age 65, car insurance costs gradually climb through their senior years.
Other factors that can influence car insurance rates include your driving history and credit. Here are some average insurance rates for the Ford E-Transit-350 by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,061 | $8,861 | $10,429 |
| 20 | $4,639 | $6,805 | $7,987 |
| 25 | $2,715 | $4,036 | $4,719 |
| 30 | $2,117 | $3,106 | $3,663 |
| 35 | $1,964 | $2,972 | $3,450 |
| 40 | $1,949 | $2,847 | $3,276 |
| 45 | $1,895 | $2,726 | $3,170 |
| 55 | $1,700 | $2,505 | $2,976 |
| 65 | $1,754 | $2,650 | $3,087 |
| 75 | $2,288 | $3,350 | $3,885 |
Best Ford E-Series Insurance Discounts: How to Lower Your Ford E-Series Insurance Premiums
Fortunately, there are several easy ways you can potentially reduce your Ford E-Series insurance rates. Follow any of these easy steps to start saving more money on Ford E-Transit car insurance:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford E-Series insurance from a trusted carrier near you.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Ford E-Series insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Ford E-Series insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
Your independent insurance agent knows which carriers offer the most affordable Ford E-Series insurance. They can help you find discounts and recommend other ways to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Ford E-Series Insurance Quotes
When it's time to find the most affordable Ford E-Series insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford E-Transit insurance coverage and cost.
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 E-Series Insurance
How much does Ford E-Series insurance cost per year?
The average annual cost of full coverage for a Ford E-Transit-350 is $2,908 per year, or approximately $242 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford E-Series insurance premiums?
Living in a high-theft rate area, having prior claims, having traffic accidents or other violations on your record, and having poor credit can all lead to higher Ford E-Series insurance premiums.
Is the Ford E-Series expensive to insure?
Yes and no. While the Ford E-Series is more expensive to insure than sedans and other types of vehicles, it's actually $225 cheaper per year to insure than other popular full-size vans.
What are the best carriers for Ford E-Series insurance in 2026?
Our top picks for the best Ford E-Series insurance this year are Progressive, Nationwide, USAA, American Family, and Liberty Mutual.
How can I get cheaper Ford E-Series insurance?
Finding cheaper Ford E-Series insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://caredge.com/ford/e-transit-350-cargo-van/insurance