Ford Insurance Rates

The average cost of car insurance for a Ford model is about $1,835 per year.

This is $390 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Ford insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Ford insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Ford Model

Model Good Driver Recent Accident Poor Credit
Ford Ecosport Insurance Cost $1,563 $2,296 $2,685
Ford Edge Insurance Cost $1,633 $2,398 $2,805
Ford Escape Insurance Cost $1,484 $2,179 $2,549
Ford Expedition Insurance Cost $1,956 $2,872 $3,359
Ford Explorer Insurance Cost $1,795 $2,636 $3,084
Ford F-150 Insurance Cost $1,760 $2,585 $3,024
Ford F-250 Super Duty Insurance Cost $1,928 $2,831 $3,311
Ford F-350 Super Duty Insurance Cost $1,928 $2,831 $3,311
Ford F-450 Super Duty Insurance Cost $2,395 $3,516 $4,114
Ford F-550 Super Duty Insurance Cost $2,941 $4,319 $5,053
Ford Fusion Insurance Cost $1,821 $2,674 $3,128
Ford Fusion Energi Insurance Cost $1,860 $2,731 $3,195
Ford Fusion Hybrid Insurance Cost $1,872 $2,749 $3,216
Ford Mustang Insurance Cost $1,937 $2,844 $3,327
Ford Ranger Insurance Cost $1,718 $2,522 $2,951
Ford Transit Cargo Insurance Cost $1,461 $2,145 $2,509
Ford Transit Connect Insurance Cost $1,480 $2,173 $2,542
Ford Transit Wagon Insurance Cost $1,490 $2,187 $2,559

The cost to insure a Ford model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Ford, then see our insurance analysis and rankings for other makes and models here.

Ford Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,214 $9,124 $10,674
18 $5,791 $8,503 $9,948
19 $5,118 $7,515 $8,791
20 $4,462 $6,552 $7,665
21 $3,742 $5,495 $6,428
22 $3,644 $5,352 $6,261
23 $3,189 $4,683 $5,478
24 $3,029 $4,448 $5,204
25 $2,614 $3,839 $4,491
30 $2,037 $2,991 $3,498
35 $1,907 $2,801 $3,277
40 $1,835 $2,694 $3,151
45 $1,785 $2,621 $3,066
55 $1,637 $2,404 $2,812
65 $1,708 $2,508 $2,934
75 $2,156 $3,165 $3,703

Ford auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Ford models by state.

Average Ford Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,944 $2,823 $3,593
Alaska $1,608 $2,229 $2,166
Arizona $1,818 $2,628 $3,871
Arkansas $1,993 $3,131 $3,447
California $2,219 $3,924 $2,219
Colorado $2,071 $2,898 $3,676
Connecticut $2,645 $4,102 $5,208
Delaware $2,190 $2,918 $3,748
Florida $2,608 $3,607 $4,701
Georgia $2,126 $3,179 $3,205
Hawaii $849 $1,153 $849
Idaho $1,475 $1,956 $2,378
Illinois $1,544 $2,334 $2,661
Indiana $1,586 $2,425 $2,722
Iowa $1,257 $1,723 $2,026
Kansas $1,672 $2,432 $2,845
Kentucky $2,417 $3,548 $4,189
Louisiana $3,102 $4,689 $5,085
Maine $1,173 $1,622 $2,394
Maryland $1,898 $2,763 $3,069
Massachusetts $1,522 $2,656 $1,522
Michigan $3,674 $5,598 $8,830
Minnesota $1,512 $2,016 $2,840
Mississippi $1,826 $2,604 $2,621
Missouri $1,720 $2,459 $3,231
Montana $1,749 $2,440 $2,840
Nebraska $1,478 $2,186 $2,375
Nevada $2,438 $3,617 $3,821
New Hampshire $1,696 $2,682 $3,391
New Jersey $1,869 $2,932 $3,837
New Mexico $1,909 $2,839 $2,947
New York $1,768 $2,226 $3,716
North Carolina $1,096 $1,883 $1,343
North Dakota $1,500 $2,279 $2,695
Ohio $1,337 $2,062 $2,114
Oklahoma $2,135 $3,057 $3,442
Oregon $1,943 $2,607 $3,114
Pennsylvania $1,637 $2,403 $2,811
Rhode Island $2,732 $4,008 $4,514
South Carolina $1,856 $2,572 $3,550
South Dakota $1,665 $2,399 $2,768
Tennessee $1,958 $2,882 $3,839
Texas $1,972 $2,849 $3,544
Utah $1,678 $2,351 $3,234
Vermont $1,291 $1,989 $2,102
Virginia $1,216 $1,868 $1,831
Washington $1,610 $2,186 $2,610
West Virginia $1,620 $2,320 $2,907
Wisconsin $1,615 $2,522 $2,876
Wyoming $1,508 $2,111 $2,248