Ford Crown-Victoria Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Owning a car is expensive, but saving on car insurance can make car ownership more affordable. If you aren’t sure where to start to find savings, you’ve come to the right place. Our guide goes over the Ford Crown Victoria’s insurance costs to help you find the right rate.

We will cover rates by area, model year, the cost of coverages, and much more. So if you want to start saving on the cost of insurance, keep reading.

Want to start comparing Ford Crown Victoria’s insurance costs right away? Enter your ZIP code in our free tool above.

Drivers have lots of options when comparing insurance rates on your Ford Crown-Victoria. You can buy from an agent or price shop online to compare pricing from lots of different providers. Shopping for car insurance through online providers is simple to do, plus you can save money.

Comparing car insurance rates direct online can be difficult if you have never used online quoting. But don't be discouraged because it's actually quite easy. Finding a better price on car insurance is surprisingly easy. Consumers just need to spend a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by these factors

Car insurance premiums on a Ford Crown-Victoria can fluctuate considerably subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Your age
  • Being married can lower rates
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • Having current coverage saves
  • Home ownership saves money

An additional factor that will help determine Ford Crown-Victoria insurance rates is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the payout to repair may result in higher rates. On the flip side, newer models may have safety features like traction control, pedestrian detection, autonomous braking, and adaptive headlights which may provide discounts that lower premiums.

Liability auto insurance - Ford Crown-Victoria liability coverage protects you from damage or injury you incur to people or other property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverages - Collision coverage pays for damage to your Crown-Victoria resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your Ford Crown-Victoria can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper Ford Crown-Victoria insurance rates.

Comprehensive (Other than Collision) - This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance - Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.

You can save over $500 by getting quotes and raising your deductible. Just keep in mind that raising your deductible means you will have to pay more for repairs after an accident. Keep reading to find out what else determines the price of insurance.

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How does the size and class of the Ford Crown Victoria affect liability rates?

What does liability insurance cover? Liability insurance protects you if you cause an accident. It pays for the other driver’s medical bills (bodily injury liability) and vehicle damage (property damage liability). Every driver must have this coverage or face fines and license revocation.

However, prices for liability insurance aren’t the same across the board. Drivers’ rates will depend mostly on what type of vehicle they own (although driving record will also influence rates). Why does the type of vehicle you own matter so much?

Vehicles that inflict significant damage on other vehicles (such as large, heavy SUVs) or vehicles that crash easily (such as sports cars) are riskier to insure. The Ford Crown Victoria does appear to be a riskier vehicle to insure, as it is a very large four-door car.

However, advancements in technology have helped make large vehicles safer, so they won’t always plow through other vehicles. Advancements to crash prevention and body build mean that a large vehicle doesn’t always have high liability rates. To check a vehicle’s risk level, insurers will look at average insurance losses for your vehicle.

The Insurance Institute for Highway Safety (IIHS) has data on losses for various vehicles. While the IIHS doesn’t have bodily injury losses recorded for the Ford Crown Victoria, the property damage losses from 2007-2009 were -4 percent.

This is an average loss compared to other very large four-door cars’ losses. However, anything in the negative is a great loss ratio. It means a car didn’t have huge insurance losses from multiple liability claims, which means you could have lower liability rates.

What does liability insurance cost for the Ford Crown Victoria?

We collected a sample quote from Geico to give you an idea of what liability insurance will cost for a 2009 Ford Crown Victoria. We based our sample quote on a 40-year-old male driver from Pennsylvania who owns his car, has a clean driving record, and travels 13,000 miles a year. The quote showed the following rates for bodily injury liability insurance.

  • Low ($15,000/$30,000): $41.26
  • Medium ($100,000/$200,000): $84.58
  • High ($500,000/$500,000): $136.15

It will cost you just under $100 to upgrade from low to high coverage for a six-month policy. This may seem high, but you go from only $15,000 of coverage for one injured person and $30,000 for all injured parties to $500,000 of coverage.

The coverage price increases are lower for property damage liability levels, but cars are less expensive to repair than people. Take a look at the property damage liability rates below.

  • Low ($5,000): $444.36
  • Medium ($20,000): $475.53
  • High ($100,000): $498.31

It is only $54 to upgrade from low to high coverage. This equals less than $10 a month. Since you never know what car you are going to crash into (a $100,000 sports car or a $2,000 beater car), having higher coverage is smart.

What are the safety features and ratings of the Ford Crown Victoria?

If you’ve ever been in an accident and only suffered minor injuries due to your airbags or headrests, then you know that safety features are important. In addition, the better protected you are in a crash, the lower your rates may be. Insurers will also look for features that prevent crashes and theft.

To see what features the Ford Crown Victoria has, we looked at a 2007 Ford Crown Victoria’s safety features on

  • Crash prevention: anti-lock brakes.
  • Crash safety: front-impact airbags and seatbelt pretensioners.
  • Anti-theft: ignition disable device.

The 2007 Ford Crown Victoria is severely lacking in safety features. There is no stability control, side or overhead airbags, or anti-whiplash headrests. Because of this, insurers may not give you much of a discount for your safety features.

However, there is still a chance to get a better rate if your vehicle has good crash ratings. We took a look at the IIHS’s crash test ratings for a 2011 Ford Crown Victoria four-door sedan.

  • Moderate overlap front: Good
  • Side: Marginal
  • Head restraints and seats: Marginal

Unfortunately, only the moderate overlap front crash test earned a good rating (the highest rating possible). Marginal is only one step above poor, so the side crash test and head restraint/seat test didn’t go well. The IIHS video below shows a side crash test on a 2007 Ford Crown Victoria.

Based on these ratings, you could have a slightly higher price on your car insurance, as you are more likely to be injured in the Ford Crown Victoria. The number of fatalities for your general vehicle type may also play a role in how much you pay for car insurance.

Studies done by the IIHS show that cars have more fatalities than SUVs and pickups. 2018 data shows that while there 48 driver fatalities per million vehicles for cars, there were only 34 pickup fatalities and 23 SUV fatalities. For all occupant fatalities per million vehicles cars also led the fatalities: 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

The total car fatalities equaled 13,138 in 2018 (compared to 5,035 SUV fatalities and 4,369 pickup fatalities). Total car fatalities can be broken down into the following crashes.

  • Frontal Impact: 7,433 fatalities
  • Side Impact: 3,568 fatalities
  • Rear Impact: 834 fatalities
  • Other (mostly rollovers): 1,303 fatalities

Frontal impacts are the deadliest type of crash for cars. Rear impact crashes have the fewest fatalities, as they have about 6,600 fewer fatalities than frontal impacts. This is why it’s so important to pick out a vehicle that will keep you safe in a crash.

Having a safe vehicle also means lower rates The bad news is that Ford Crown Victoria doesn’t have fantastic safety features or a good crash rating, so you will likely have higher car insurance rates.

What is the MSRP of the Ford Crown Victoria?

Most people aren’t aware of how many prices are put on a car before the fair market price is settled. Cars always start out with a manufacturer suggested retail price (MSRP), which is what the manufacturer thinks the car is worth. Sellers will adjust this price to the invoice price (also known as the sticker price). Most people won’t buy cars at the invoice price, instead, most people purchase vehicles at the fair market price (what other customers are paying).

The price that insurers will use to determine the value of your vehicle is the MSRP, as it is a fixed price (the invoice price and fair market price are always changing). The two main car insurance coverages insurers will change based on the MSRP are collision and comprehensive coverages.

Neither of these coverages is required by law, although lenders are allowed to use force-placed insurance when you sign a lease. Force-placed insurance is when the lender buys collision and comprehensive insurance for you. This ensures that lenders don’t have a huge loss if you crash your vehicle and don’t have these insurance coverages.

So what exactly do these two coverages protect you from? Collision coverage will cover any crash with another vehicle or object, such as if you back up into your neighbor’s mailbox. Comprehensive coverage covers everything outside of collisions with other cars and objects. If natural disasters, animal collisions, vandalism, or theft happen, comprehensive coverage will protect you.

Now that you understand what these coverages are, it makes sense that higher MSRPs will result in higher insurance costs. Insurers want to charge more to make sure they don’t suffer a huge loss if your vehicle needs repairs or replaced.

The good news is that the prices for the 2011 Ford Crown Victoria are low. We took a look at Kelley Blue Book (KBB) to find out the prices. Whenever you are looking for a Ford Crown Victoria for sale, you should use a tool like KBB to find out prices. While KBB doesn’t have the MSRP, it does have other prices listed.

  • Fair Market Range: $5,058 to $7,913
  • Fair Purchase Price: $6,486
  • Typical Listing Price: $7,061

Because the prices are low, you shouldn’t have a high rate for collision and comprehensive insurance unless the losses for the Ford Crown Victoria are terrible. Insurers want to know what the best and worst vehicles for overall collision losses are, as it helps them determine the risk of having to pay out a claim.

Take a look at the IIHS’s data on losses below to find out losses for the Ford Crown Victoria.

  • Collision Loss: -22 percent (better than average)
  • Comprehensive Loss: -21 percent (better than average)

Both these losses are fantastic, and they could mean lower car insurance rates.

How much will it cost to repair my Ford Crown Victoria?

In addition to collision and comprehensive losses and MSRP, insurers may also look at repair prices to determine car insurance rates. The repair costs for the Ford Crown Victoria aren’t great. RepairPal rated the Ford Crown Victoria’s reliability as three out of five, as the average annual repair costs are $1,081 (this includes regular maintenance like oil changes).

In comparison, the average annual repair costs for full-size cars are $590, so the Ford Crown Victoria costs almost twice as much to maintain. But what about costs outside of regular maintenance?

According to InstantEstimator’s online estimate tool, it will cost the following to repair parts with level two damage for a 2012 Ford Crown Victoria.

  • Front bumper: $425
  • Rear bumper: $459
  • Hood: $411
  • Roof: $459
  • Front door: $403
  • Back door: $391
  • Fender: $363
  • Quarter panel: $375

The rear bumper is the most expensive part to repair on a 2012 Ford Crown Victoria. These estimates are based on the costs of paint/body labor, painting supplies, hazardous waste disposal, and a final sand/paint/buff. However, they do not include shipping costs, as this will vary based on which area you live in.

We hope our guide to the Ford Crown Victoria’s average rates helped you understand the ownership costs of this vehicle. If you want to save money on your Ford Crown Victoria’s car insurance, enter your ZIP code in our free tool to start comparing rates.

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