Ford Insurance Rates

The average cost of car insurance for a Ford model is about $1,784 per year.

This is $283 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 $1,594 $2,374 $2,807
Ford Edge Insurance Cost $1,501 $2,235 $2,642
Ford Escape Insurance Cost $1,469 $2,188 $2,586
Ford Expedition Insurance Cost $1,883 $2,805 $3,315
Ford Explorer Insurance Cost $1,729 $2,575 $3,044
Ford F-150 Insurance Cost $1,695 $2,524 $2,984
Ford F-250 Super Duty Insurance Cost $2,060 $3,069 $3,627
Ford F-350 Super Duty Insurance Cost $2,061 $3,070 $3,629
Ford F-450 Super Duty Insurance Cost $2,251 $3,353 $3,964
Ford F-550 Super Duty Insurance Cost $2,409 $3,588 $4,241
Ford Fusion Insurance Cost $1,753 $2,612 $3,087
Ford Fusion Energi Insurance Cost $1,791 $2,668 $3,154
Ford Fusion Hybrid Insurance Cost $1,803 $2,686 $3,175
Ford Mustang Insurance Cost $2,069 $3,082 $3,643
Ford Ranger Insurance Cost $1,655 $2,465 $2,914
Ford Transit Cargo Insurance Cost $1,447 $2,155 $2,547
Ford Transit Connect Insurance Cost $1,465 $2,182 $2,579
Ford Transit Wagon Insurance Cost $1,475 $2,197 $2,596

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 $6,042 $9,000 $10,639
18 $5,631 $8,387 $9,915
19 $4,976 $7,412 $8,762
20 $4,339 $6,463 $7,640
21 $3,639 $5,420 $6,407
22 $3,544 $5,279 $6,240
23 $3,101 $4,619 $5,460
24 $2,946 $4,388 $5,187
25 $2,542 $3,786 $4,476
30 $1,980 $2,950 $3,487
35 $1,855 $2,763 $3,266
40 $1,784 $2,657 $3,141
45 $1,736 $2,586 $3,056
55 $1,592 $2,371 $2,803
65 $1,661 $2,474 $2,924
75 $2,096 $3,122 $3,690

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 $1,890 $2,648 $3,314
Alaska $1,563 $2,277 $2,386
Arizona $1,767 $2,742 $3,909
Arkansas $1,938 $2,935 $3,283
California $2,158 $3,773 $2,158
Colorado $2,013 $2,787 $3,477
Connecticut $2,572 $3,977 $5,094
Delaware $2,130 $2,932 $3,893
Florida $2,536 $3,444 $4,490
Georgia $2,067 $3,186 $3,269
Hawaii $826 $1,140 $826
Idaho $1,435 $1,931 $2,404
Illinois $1,502 $2,220 $2,574
Indiana $1,543 $2,411 $2,813
Iowa $1,222 $1,833 $2,136
Kansas $1,626 $2,393 $2,835
Kentucky $2,350 $3,535 $4,158
Louisiana $3,017 $4,610 $4,964
Maine $1,141 $1,530 $2,233
Maryland $1,846 $2,707 $3,196
Massachusetts $1,480 $2,504 $1,480
Michigan $3,572 $5,371 $8,258
Minnesota $1,471 $1,975 $2,924
Mississippi $1,775 $2,682 $2,833
Missouri $1,673 $2,304 $2,980
Montana $1,701 $2,661 $2,935
Nebraska $1,438 $2,035 $2,315
Nevada $2,371 $3,579 $3,927
New Hampshire $1,649 $2,658 $3,386
New Jersey $1,817 $2,865 $3,696
New Mexico $1,856 $2,671 $2,999
New York $1,719 $2,239 $3,614
North Carolina $1,066 $1,720 $1,326
North Dakota $1,458 $2,245 $2,849
Ohio $1,300 $2,127 $2,203
Oklahoma $2,076 $3,118 $3,536
Oregon $1,889 $2,854 $3,274
Pennsylvania $1,592 $2,407 $2,762
Rhode Island $2,657 $4,077 $4,663
South Carolina $1,805 $2,611 $3,726
South Dakota $1,619 $2,228 $2,672
Tennessee $1,904 $2,848 $3,594
Texas $1,918 $2,822 $3,542
Utah $1,631 $2,359 $3,253
Vermont $1,256 $2,008 $2,195
Virginia $1,183 $1,781 $1,892
Washington $1,566 $2,352 $2,774
West Virginia $1,576 $2,294 $2,833
Wisconsin $1,571 $2,293 $2,785
Wyoming $1,466 $2,155 $2,409