Ford Insurance Rates

The average cost of car insurance for a Ford model is about $1,598 per year.

This is $189 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 $1,451 $2,130 $2,492
Ford Edge Insurance Cost $1,465 $2,151 $2,516
Ford Escape Insurance Cost $1,440 $2,114 $2,473
Ford Expedition Insurance Cost $1,714 $2,516 $2,944
Ford Explorer Insurance Cost $1,573 $2,310 $2,703
Ford F-150 Insurance Cost $1,542 $2,265 $2,649
Ford F-250 Super Duty Insurance Cost $1,690 $2,481 $2,903
Ford F-350 Super Duty Insurance Cost $1,690 $2,481 $2,903
Ford F-450 Super Duty Insurance Cost $1,846 $2,711 $3,171
Ford F-550 Super Duty Insurance Cost $1,975 $2,901 $3,394
Ford Fusion Insurance Cost $1,596 $2,344 $2,742
Ford Fusion Energi Insurance Cost $1,630 $2,394 $2,800
Ford Fusion Hybrid Insurance Cost $1,641 $2,410 $2,819
Ford Mustang Insurance Cost $1,697 $2,491 $2,915
Ford Ranger Insurance Cost $1,506 $2,211 $2,586
Ford Transit Cargo Insurance Cost $1,418 $2,082 $2,436
Ford Transit Connect Insurance Cost $1,436 $2,108 $2,467
Ford Transit Wagon Insurance Cost $1,445 $2,122 $2,482

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 $5,411 $7,945 $9,295
18 $5,043 $7,404 $8,662
19 $4,456 $6,544 $7,655
20 $3,886 $5,706 $6,675
21 $3,258 $4,785 $5,598
22 $3,174 $4,660 $5,452
23 $2,777 $4,077 $4,770
24 $2,638 $3,874 $4,532
25 $2,277 $3,343 $3,911
30 $1,773 $2,604 $3,046
35 $1,661 $2,439 $2,853
40 $1,598 $2,346 $2,744
45 $1,554 $2,283 $2,670
55 $1,426 $2,093 $2,449
65 $1,487 $2,184 $2,554
75 $1,877 $2,756 $3,224

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 $1,692 $2,458 $3,129
Alaska $1,400 $1,941 $1,886
Arizona $1,583 $2,288 $3,371
Arkansas $1,735 $2,726 $3,002
California $1,932 $3,417 $1,932
Colorado $1,803 $2,523 $3,201
Connecticut $2,304 $3,572 $4,535
Delaware $1,907 $2,541 $3,264
Florida $2,271 $3,141 $4,093
Georgia $1,851 $2,768 $2,791
Hawaii $739 $1,004 $739
Idaho $1,285 $1,703 $2,070
Illinois $1,345 $2,033 $2,317
Indiana $1,381 $2,112 $2,370
Iowa $1,094 $1,501 $1,765
Kansas $1,456 $2,118 $2,477
Kentucky $2,104 $3,089 $3,648
Louisiana $2,701 $4,084 $4,428
Maine $1,022 $1,412 $2,085
Maryland $1,653 $2,406 $2,672
Massachusetts $1,326 $2,313 $1,326
Michigan $3,199 $4,875 $7,689
Minnesota $1,317 $1,756 $2,472
Mississippi $1,590 $2,267 $2,282
Missouri $1,498 $2,142 $2,813
Montana $1,523 $2,125 $2,473
Nebraska $1,287 $1,904 $2,068
Nevada $2,123 $3,150 $3,327
New Hampshire $1,477 $2,336 $2,953
New Jersey $1,628 $2,553 $3,341
New Mexico $1,662 $2,472 $2,566
New York $1,539 $1,938 $3,236
North Carolina $954 $1,639 $1,169
North Dakota $1,306 $1,985 $2,347
Ohio $1,164 $1,796 $1,841
Oklahoma $1,859 $2,662 $2,998
Oregon $1,692 $2,270 $2,712
Pennsylvania $1,425 $2,092 $2,448
Rhode Island $2,380 $3,490 $3,931
South Carolina $1,616 $2,240 $3,091
South Dakota $1,450 $2,089 $2,411
Tennessee $1,705 $2,510 $3,343
Texas $1,717 $2,481 $3,086
Utah $1,461 $2,047 $2,816
Vermont $1,124 $1,732 $1,830
Virginia $1,059 $1,626 $1,594
Washington $1,402 $1,903 $2,272
West Virginia $1,411 $2,020 $2,531
Wisconsin $1,406 $2,196 $2,504
Wyoming $1,313 $1,838 $1,958