Insurance for Ford Vehicles

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

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The next table shows average insurance prices for Ford vehicles. More models are linked at the bottom of this page

Insurance Rates for Ford Vehicles
Vehicle Model Annual Premium Monthly Premium
Ford EcoSport $1,310 $109
Ford Edge $1,296 $108
Ford Escape $1,170 $98
Ford Expedition $1,320 $110
Ford Explorer $1,308 $109
Ford F-150 $1,322 $110
Ford Fiesta $1,222 $102
Ford Flex $1,486 $124
Ford Focus $1,358 $113
Ford Fusion $1,492 $124
Ford Mustang $1,666 $139
Ford Ranger $1,254 $105
Ford Taurus $1,532 $128
Get Rates for Your Model Go

Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

View Chart as Image

Average insurance cost for Ford vehicles
Column chart showing average insurance prices for Ford vehicles range from $791 to $5,052 for full coverage

The prior chart uses the average vehicle rating data for all Ford models in the table above to demonstrate how different rating information can influence auto insurance prices.

Insurance prices for a Ford range considerably based on liability limits and deductibles, your driving record, and the model of your Taurus.

Using high physical damage deductibles can save as much as $560 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more each year

View Chart as Image

Ford insurance by deductible and liability limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year.

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 131% more than a normal policy.

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Ford insurance by risk and age

Your home state plays a big part in determining prices for Ford insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,800 on average in Montana, Michigan, and New Jersey.

Ford Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,238 -$132 -9.6%
Alaska $1,052 -$318 -23.2%
Arizona $1,138 -$232 -16.9%
Arkansas $1,370 -$0 0.0%
California $1,560 $190 13.9%
Colorado $1,310 -$60 -4.4%
Connecticut $1,408 $38 2.8%
Delaware $1,552 $182 13.3%
Florida $1,714 $344 25.1%
Georgia $1,266 -$104 -7.6%
Hawaii $986 -$384 -28.0%
Idaho $926 -$444 -32.4%
Illinois $1,022 -$348 -25.4%
Indiana $1,030 -$340 -24.8%
Iowa $926 -$444 -32.4%
Kansas $1,302 -$68 -5.0%
Kentucky $1,870 $500 36.5%
Louisiana $2,030 $660 48.2%
Maine $846 -$524 -38.2%
Maryland $1,130 -$240 -17.5%
Massachusetts $1,096 -$274 -20.0%
Michigan $2,380 $1,010 73.7%
Minnesota $1,148 -$222 -16.2%
Mississippi $1,640 $270 19.7%
Missouri $1,216 -$154 -11.2%
Montana $1,472 $102 7.4%
Nebraska $1,080 -$290 -21.2%
Nevada $1,644 $274 20.0%
New Hampshire $988 -$382 -27.9%
New Jersey $1,532 $162 11.8%
New Mexico $1,212 -$158 -11.5%
New York $1,444 $74 5.4%
North Carolina $790 -$580 -42.3%
North Dakota $1,122 -$248 -18.1%
Ohio $944 -$426 -31.1%
Oklahoma $1,408 $38 2.8%
Oregon $1,256 -$114 -8.3%
Pennsylvania $1,308 -$62 -4.5%
Rhode Island $1,828 $458 33.4%
South Carolina $1,242 -$128 -9.3%
South Dakota $1,156 -$214 -15.6%
Tennessee $1,202 -$168 -12.3%
Texas $1,650 $280 20.4%
Utah $1,016 -$354 -25.8%
Vermont $938 -$432 -31.5%
Virginia $820 -$550 -40.1%
Washington $1,060 -$310 -22.6%
West Virginia $1,256 -$114 -8.3%
Wisconsin $950 -$420 -30.7%
Wyoming $1,222 -$148 -10.8%

Because rates have so much variability, the best way to find out which company is cheapest is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

Additional Ford Vehicles


U.S. averages for full coverage Ford vehicle insurance

Average Policy Cost $1,370
Comprehensive Premium $308
Collision Premium $532
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Ford models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Ford Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,052
20 $3,150
30 $1,432
40 $1,370
50 $1,252
60 $1,226

Full coverage, $500 deductibles

Rates by Deductible

Ford Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,568
$500 $1,370
$1,000 $1,178

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,208
20 $5,000
30 $3,018
40 $2,954
50 $2,814
60 $2,788

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $101
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $67
Online Quote $97
Total Discounts $579
Rate after discounts $791

Discounts are estimated and may not be available from every company or in every state.

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