How Much Is Ford Insurance by Model?
Discover how much you can expect to pay to insure your Ford.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Ford Motor Company is an American automobile manufacturer headquartered in Dearborn, Michigan. The company was founded by Henry Ford in 1903. Today, Ford is the second-largest U.S. automaker and the sixth-largest in the world. It manufactures a long list of popular and highly regarded cars, trucks, and vans.
No matter what Ford model you drive, you’ll need the best car insurance you can find to protect your investment. The average cost of Ford insurance per year is $1,312.14. This is right in line with the national average cost of car insurance, which is $1,311 per year.
Our Ford insurance guide provides average insurance cost information by model and top-rated insurance companies. With the help of a local independent insurance agent, you can get quotes from multiple companies so you can get the coverage you need that fits your budget.
In this article:
How Much Does a Ford Cost to Insure by Model?
Are Fords Expensive to Insure?
Why Do Insurance Costs Differ between Ford Models?
How Much Is Car Insurance for a Ford Edge?
How Much Is Car Insurance for a Ford Escape?
How Much Is Car Insurance for a Ford Expedition?
How Much Is Car Insurance for a Ford Explorer?
How Much Is Car Insurance for a Ford Fiesta?
How Much Is Car Insurance for a Ford Flex?
How Much Is Car Insurance for a Ford Escape?
How Much Is Car Insurance for a Ford Focus?
How Much Is Car Insurance for a Ford Fusion?
How Much Is Car Insurance for a Ford Taurus?
What Other Factors Affect Ford Insurance Costs?
How to Save the Most Money on Ford Insurance
How Much Does a Ford Cost to Insure by Model?
Many factors influence car insurance costs, including the car’s make and model. The various Ford models have different car insurance premiums depending on the unique characteristics of each model. Most people will pay more or less than the average.
We compared quotes for some popular Ford models to give you an idea of how much each one costs to insure.
| Ford Model | Average Cost of Car Insurance Per Year |
|---|---|
| Ford Edge | $1,208.60 |
| Ford Escape | $1,098.20 |
| Ford Expedition | $1,305.50 |
| Ford Explorer | $1,249.60 |
| Ford Fiesta | $1,198.40 |
| Ford Flex | $1,364.00 |
| Ford Focus | $1,345.40 |
| Ford Fusion | $1,391.20 |
| Ford Mustang | $1,523.25 |
| Ford Taurus | $1,437.20 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Ford you drive.
Are Fords Expensive to Insure?
The cost to insure your Ford depends on the model that you choose. In addition, the cost of Ford insurance varies by your location, driving history, coverage options, and deductibles.
We compared popular Ford models and found that, in general, car insurance for a Ford is similar to the national average. You should be able to find affordable coverage for most Ford models.
Why Do Insurance Costs Differ Between Ford Models?
Car insurance costs differ by model depending on several factors. Generally, any vehicle that has a higher purchase price or is more expensive to repair will cost more to insure. What’s more, a car with a powerful engine, like a Ford Mustang, will usually cost more to insure because of an increased risk of speeding and getting into an accident. Cars that are more prone to theft also cost more to insure than cars that are statistically rarely stolen.
How Much Is Car Insurance for a Ford Edge?
Our research found that the Ford Edge is the third-least expensive Ford model to insure, with an average premium rate of $1,208.60 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,013 |
| Vermont Mutual | $1,053 |
| Erie | $1,244 |
| USAA | $1,350 |
| Arbella | $1,383 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $100.72 | $1,208.60 |
How Much Is Car Insurance for a Ford Escape?
The Ford Escape has an average premium rate of $1,098.20 per year. According to our research, it's the least expensive Ford model to insure on our list, with rates that are often well below the national average.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $932 |
| Nationwide | $946 |
| Erie | $1,150 |
| USAA | $1,211 |
| Arbella | $1,252 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $91.52 | $1,098.20 |
How Much Is Car Insurance for a Ford Expedition?
The Ford Expedition has an average premium rate of $1,305.50 per year, putting it right in the middle of the pack for Ford insurance costs and just slightly lower than the national average insurance cost of $1,311.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,022 |
| Vermont Mutual | $1,137 |
| Arbella | $1,478 |
| Plymouth Rock Assurance | $1,585 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $108.79 | $1,305.50 |
How Much Is Car Insurance for a Ford Explorer?
The average cost to insure a Ford Explorer is $1,249.60 per year, putting it near the middle of Ford models and less than the national average insurance cost of $1,311.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $971 |
| Vermont Mutual | $1,036 |
| Arbella | $1,375 |
| Erie | $1,410 |
| USAA | $1,456 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $104.13 | $1,249.60 |
How Much Is Car Insurance for a Ford Fiesta?
The Ford Fiesta has an average annual insurance cost of $1,198.40. The relatively low purchase price of the Fiesta is reflected in the model’s lower-than-average insurance rates.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $1,020 |
| Vermont Mutual | $1,049 |
| Nationwide | $1,235 |
| USAA | $1,262 |
| Arbella | $1,426 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $99.87 | $1,198.40 |
How Much Is Car Insurance for a Ford Flex?
The average cost to insure a Ford Flex is $1,364 per year or $113.67 per month. This is more than the national average car insurance cost and more than the average for Fords overall.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,178 |
| Vermont Mutual | $1,220 |
| Progressive | $1,494 |
| USAA | $1,564 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $113.67 | $1,364.00 |
How Much Is Car Insurance for a Ford Focus?
The Ford Focus has slightly higher than average insurance costs compared to other Fords. The average annual car insurance premium for a Focus is $1,345.40.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,047 |
| Vermont Mutual | $1,328 |
| Erie | $1,398 |
| USAA | $1,451 |
| Plymouth Rock Assurance | $1,503 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $112.12 | $1,345.40 |
How Much Is Car Insurance for a Ford Fusion?
The Ford Fusion also has higher-than-average car insurance costs. You can insure your Fusion for around $1,392.20, depending on where you live and other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,248 |
| Erie | $1,290 |
| Nationwide | $1,297 |
| Arbella | $1,503 |
| USAA | $1,618 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $115.93 | $1,391.20 |
How Much Is Car Insurance for a Ford Mustang?
The Ford Mustang is the most expensive Ford model to insure on our list, with an average annual insurance cost of $1,523.25. Your rates will be more or less than this average, depending on the model year and a host of other factors, like where you live, your age, and your gender.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,254 |
| Vermont Mutual | $1,466 |
| USAA | $1,576 |
| Plymouth Rock Assurance | $1,797 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $126.94 | $1,523.25 |
How Much Is Car Insurance for a Ford Taurus?
The Ford Taurus has an average premium rate of $1,437.20 per year, making it the second most expensive Ford to insure among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,322 |
| Vermont Mutual | $1,392 |
| USAA | $1,445 |
| Erie | $1,458 |
| Plymouth Rock Assurance | $1,569 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $119.77 | $1,437.20 |
What Other Factors Affect Ford Insurance Costs?
The make and model of your car are two of the most important factors for determining your car insurance premiums. But numerous other factors also play a role in your car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score
- Where you live
- The amount of coverage and deductible that you choose
Every insurance company has its own proprietary method for calculating insurance rates, which is why you’ll see a range of premiums for the same make and model. But most companies also offer a wide range of car insurance discounts that can help you save money on your car insurance premiums.
An independent insurance agent can help you find the best rates in your area and can help you make sure that you take advantage of all the discounts for which you are eligible.
FAQs about Ford Insurance
We compared several Ford models and found that the average cost of insurance coverage is $1,312.14 per year. This is close to the national average. You’ll be able to find Ford insurance that is well above or below average, depending on the make, model, and other factors.
We found that the Ford Mustang is the most expensive model to insure. The average annual insurance cost for a Mustang according to our research is $1,523.25.
The Ford Escape is the cheapest Ford model to insure, according to our research. The average cost to insure a Focus is $1,098.20 per year, which is well below the national average car insurance premium of $1,311.
How to Save the Most Money on Ford Insurance
You can save the most money on Ford insurance by working with an independent insurance agent in your area. Independent agents can compare coverage and quotes from multiple insurance companies, allowing you to choose the best option for your needs and budget. Your agent will also help you maximize the discounts you can apply to your premium, getting you the best possible rate.
https://www.thezebra.com/auto-insurance/vehicles/ford/edge/
https://www.thezebra.com/auto-insurance/vehicles/ford/escape/
https://www.thezebra.com/auto-insurance/vehicles/ford/expedition/
https://www.thezebra.com/auto-insurance/vehicles/ford/explorer/
https://www.thezebra.com/auto-insurance/vehicles/ford/fiesta/
https://www.thezebra.com/auto-insurance/vehicles/ford/flex/
https://www.thezebra.com/auto-insurance/vehicles/ford/focus/
https://www.thezebra.com/auto-insurance/vehicles/ford/fusion/
https://www.thezebra.com/auto-insurance/vehicles/ford/mustang/
https://www.thezebra.com/auto-insurance/vehicles/ford/taurus/