Ford Insurance Rates

The average cost of car insurance for a Ford model is about $1,663 per year.

This is $231 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 $1,466 $2,152 $2,518
Ford Edge Insurance Cost $1,480 $2,173 $2,542
Ford Escape Insurance Cost $1,454 $2,135 $2,497
Ford Expedition Insurance Cost $1,790 $2,629 $3,075
Ford Explorer Insurance Cost $1,644 $2,414 $2,824
Ford F-150 Insurance Cost $1,612 $2,367 $2,769
Ford F-250 Super Duty Insurance Cost $1,766 $2,592 $3,033
Ford F-350 Super Duty Insurance Cost $1,766 $2,592 $3,033
Ford F-450 Super Duty Insurance Cost $1,929 $2,832 $3,313
Ford F-550 Super Duty Insurance Cost $2,250 $3,304 $3,866
Ford Fusion Insurance Cost $1,668 $2,449 $2,865
Ford Fusion Energi Insurance Cost $1,704 $2,502 $2,927
Ford Fusion Hybrid Insurance Cost $1,715 $2,518 $2,946
Ford Mustang Insurance Cost $1,773 $2,604 $3,046
Ford Ranger Insurance Cost $1,573 $2,310 $2,703
Ford Transit Cargo Insurance Cost $1,432 $2,103 $2,460
Ford Transit Connect Insurance Cost $1,450 $2,129 $2,490
Ford Transit Wagon Insurance Cost $1,460 $2,143 $2,508

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 $5,632 $8,270 $9,675
18 $5,249 $7,707 $9,016
19 $4,639 $6,811 $7,968
20 $4,045 $5,939 $6,948
21 $3,392 $4,981 $5,826
22 $3,303 $4,851 $5,675
23 $2,890 $4,244 $4,965
24 $2,746 $4,032 $4,717
25 $2,370 $3,479 $4,071
30 $1,846 $2,711 $3,171
35 $1,729 $2,539 $2,970
40 $1,663 $2,442 $2,856
45 $1,618 $2,376 $2,779
55 $1,484 $2,179 $2,549
65 $1,548 $2,273 $2,659
75 $1,954 $2,869 $3,356

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 $1,762 $2,559 $3,257
Alaska $1,457 $2,020 $1,964
Arizona $1,647 $2,382 $3,509
Arkansas $1,806 $2,838 $3,125
California $2,011 $3,556 $2,011
Colorado $1,877 $2,626 $3,332
Connecticut $2,398 $3,718 $4,720
Delaware $1,985 $2,645 $3,398
Florida $2,363 $3,270 $4,261
Georgia $1,927 $2,881 $2,905
Hawaii $770 $1,045 $770
Idaho $1,337 $1,773 $2,155
Illinois $1,400 $2,116 $2,412
Indiana $1,438 $2,198 $2,467
Iowa $1,139 $1,562 $1,837
Kansas $1,515 $2,205 $2,578
Kentucky $2,190 $3,215 $3,797
Louisiana $2,812 $4,250 $4,609
Maine $1,063 $1,470 $2,170
Maryland $1,721 $2,505 $2,782
Massachusetts $1,380 $2,407 $1,380
Michigan $3,330 $5,074 $8,004
Minnesota $1,371 $1,828 $2,573
Mississippi $1,655 $2,360 $2,376
Missouri $1,559 $2,229 $2,928
Montana $1,585 $2,212 $2,574
Nebraska $1,340 $1,982 $2,153
Nevada $2,210 $3,278 $3,463
New Hampshire $1,537 $2,431 $3,073
New Jersey $1,694 $2,658 $3,478
New Mexico $1,730 $2,573 $2,671
New York $1,602 $2,018 $3,368
North Carolina $993 $1,707 $1,217
North Dakota $1,359 $2,066 $2,443
Ohio $1,212 $1,869 $1,917
Oklahoma $1,935 $2,771 $3,120
Oregon $1,761 $2,363 $2,823
Pennsylvania $1,483 $2,178 $2,548
Rhode Island $2,477 $3,633 $4,091
South Carolina $1,682 $2,331 $3,217
South Dakota $1,509 $2,174 $2,509
Tennessee $1,775 $2,613 $3,479
Texas $1,787 $2,582 $3,212
Utah $1,520 $2,130 $2,932
Vermont $1,170 $1,802 $1,905
Virginia $1,103 $1,693 $1,659
Washington $1,460 $1,981 $2,365
West Virginia $1,469 $2,103 $2,635
Wisconsin $1,464 $2,286 $2,607
Wyoming $1,367 $1,914 $2,038