Ford Maverick Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Ford Maverick are $1,396 a year for full coverage. Comprehensive costs around $306 each year, collision costs $542, and liability is estimated at $390. Buying just liability costs approximately $452 a year, with insurance for high-risk drivers costing around $3,014. Teenage drivers cost the most to insure at $5,168 a year or more.
Average premium for full coverage: $1,396
Policy rates for type of insurance:
Estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Maverick models.
Price Range Variability
For a driver in their 40's, Ford Maverick insurance rates go from as low as $452 for basic liability insurance to a high rate of $3,014 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates how location helps determine auto insurance rates.
The examples above show why all drivers should get quotes for a specific zip code and risk profile, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated Ford Maverick insurance rates for additional coverage choices and driver risks.
- The best discount rate is $805
- Choosing higher $1,000 deductibles can save about $192 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,396
- Using low deductibles for comp and collision coverage will increase the cost to $1,768
- Unlucky drivers who are prone to accidents and violations could pay at least $3,014 or more
- Policy cost for full coverage for a teen driver can be $5,168 each year
Insurance rates for a Ford Maverick also range considerably based on your risk profile, the trim level of your Maverick, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Ford Maverick insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,262 | -$134 | -9.6% |
| Alaska | $1,070 | -$326 | -23.4% |
| Arizona | $1,158 | -$238 | -17.0% |
| Arkansas | $1,396 | -$0 | 0.0% |
| California | $1,590 | $194 | 13.9% |
| Colorado | $1,332 | -$64 | -4.6% |
| Connecticut | $1,436 | $40 | 2.9% |
| Delaware | $1,580 | $184 | 13.2% |
| Florida | $1,748 | $352 | 25.2% |
| Georgia | $1,290 | -$106 | -7.6% |
| Hawaii | $1,002 | -$394 | -28.2% |
| Idaho | $944 | -$452 | -32.4% |
| Illinois | $1,040 | -$356 | -25.5% |
| Indiana | $1,052 | -$344 | -24.6% |
| Iowa | $944 | -$452 | -32.4% |
| Kansas | $1,328 | -$68 | -4.9% |
| Kentucky | $1,904 | $508 | 36.4% |
| Louisiana | $2,068 | $672 | 48.1% |
| Maine | $862 | -$534 | -38.3% |
| Maryland | $1,152 | -$244 | -17.5% |
| Massachusetts | $1,118 | -$278 | -19.9% |
| Michigan | $2,426 | $1,030 | 73.8% |
| Minnesota | $1,166 | -$230 | -16.5% |
| Mississippi | $1,672 | $276 | 19.8% |
| Missouri | $1,238 | -$158 | -11.3% |
| Montana | $1,500 | $104 | 7.4% |
| Nebraska | $1,102 | -$294 | -21.1% |
| Nevada | $1,674 | $278 | 19.9% |
| New Hampshire | $1,004 | -$392 | -28.1% |
| New Jersey | $1,560 | $164 | 11.7% |
| New Mexico | $1,238 | -$158 | -11.3% |
| New York | $1,470 | $74 | 5.3% |
| North Carolina | $804 | -$592 | -42.4% |
| North Dakota | $1,142 | -$254 | -18.2% |
| Ohio | $966 | -$430 | -30.8% |
| Oklahoma | $1,434 | $38 | 2.7% |
| Oregon | $1,278 | -$118 | -8.5% |
| Pennsylvania | $1,332 | -$64 | -4.6% |
| Rhode Island | $1,862 | $466 | 33.4% |
| South Carolina | $1,266 | -$130 | -9.3% |
| South Dakota | $1,176 | -$220 | -15.8% |
| Tennessee | $1,224 | -$172 | -12.3% |
| Texas | $1,684 | $288 | 20.6% |
| Utah | $1,032 | -$364 | -26.1% |
| Vermont | $956 | -$440 | -31.5% |
| Virginia | $836 | -$560 | -40.1% |
| Washington | $1,078 | -$318 | -22.8% |
| West Virginia | $1,280 | -$116 | -8.3% |
| Wisconsin | $966 | -$430 | -30.8% |
| Wyoming | $1,246 | -$150 | -10.7% |
Using high physical damage deductibles can save as much as $570 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 128% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Maverick | $322 | $562 | $372 | $1,414 |
| 2023 Ford Maverick | $306 | $542 | $390 | $1,396 |
| 2022 Ford Maverick | $294 | $536 | $398 | $1,386 |
Rates are averaged for all Ford Maverick models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Ford Maverick Insurance
Finding cheaper rates on car insurance takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The next list is a review of the material that was covered in the charts and tables above.
- Policyholders who may need increased levels of liability coverage will pay an extra $430 each year to raise limits from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger pay higher rates, costing up to $431 each month for full coverage
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,620 more every year to buy Ford Maverick insurance
- Increasing comprehensive and collision deductibles can save around $575 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,168 |
| 20 | $3,214 |
| 30 | $1,456 |
| 40 | $1,396 |
| 50 | $1,274 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,768 |
| $250 | $1,596 |
| $500 | $1,396 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,396 |
| 50/100 | $1,474 |
| 100/300 | $1,572 |
| 250/500 | $1,825 |
| 100 CSL | $1,513 |
| 300 CSL | $1,728 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,376 |
| 20 | $5,110 |
| 30 | $3,080 |
| 40 | $3,014 |
| 50 | $2,874 |
| 60 | $2,848 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
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