Compare Ford Car Insurance Rates (2023)

Ford car insurance rates average $143 monthly for the best full coverage car insurance, but some Ford models are cheaper to insure than others. Comparing a full coverage policy to one with only minimum requirements can also show you what rates will be like with both types of Ford car insurance policies.

Learn more about Ford car insurance coverage options below, then compare Ford car insurance premiums with as many companies as possible to find the lowest prices.

Comparing Ford Car Insurance Premiums

Ford car insurance is a little higher than the national average, with the typical driver paying about $143 a month for their car insurance. However, you can see different rates depending on several factors, including:

• Age and gender
• Location
• Credit score
• Driving record
• Marital status
• Your vehicle

The amount of coverage you purchase will also affect your rates. The more add-on coverages you buy, the more your monthly rates will be. Whether you choose full coverage or minimum coverage also impacts your rates.

The table below allows you to compare Ford car insurance rates by model:

As you can see, there are many factors that affect car insurance rates, like the Ford model. While the average Ford driver pays $143 a month for insurance, some models cost much more. The Ford Mustang has one of the highest rates, while the Escape is one of the cheapest.

Comparing Ford Car Insurance Coverage Options

When buying a policy for your Ford, you have two main options: minimum insurance and full coverage. The type you should buy depends on your Ford.

Older, less valuable Fords are probably fine with a minimum insurance policy (learn about what is the state minimum car insurance required in your state). It costs much less than full coverage but doesn’t protect your vehicle.

Full coverage offers much better protection but usually costs at least double what minimum insurance does. Drivers with a new or more valuable Ford should consider buying full coverage, especially if they have a loan or lease. When you purchase full coverage, you’re buying everything listed below:

• Liability: Liability auto insurance coverage pays for injuries and damages you cause in an at-fault accident. It saves you from paying expensive bills but doesn’t protect your car.
• Uninsured/underinsured motorist: Most states require at least liability insurance, but not everyone follows the law. If someone without insurance hits you, uninsured or underinsured motorist coverage will pay for your repairs.
• Collision: If you want help with your repair bills after an at-fault accident, you need collision insurance. Collision car insurance pays for your vehicle in the event of an accident, unlike liability which covers the other driver. Collision also covers you if you hit a stationary object, like a light post.
• Comprehensive: Comprehensive insurance covers damage from animals, extreme weather, fire, vandalism, and theft. You can compare comprehensive car insurance to find the best rates by looking at different companies.
• Personal injury protection/medical payments: Medical payments and personal injury protection insurance pay for your health care bills if you get injured in an accident. Most plans also cover your passengers.

While full coverage costs more than minimum insurance, it’s worth it for most Ford owners. You can also buy add-ons like gap insurance, rental car reimbursement, and roadside assistance, but you should only add what you need. Car insurance add-ons can quickly increase your monthly rates.

Ford Car Insurance Savings Tips

As one of America’s most trusted brands, it should be no surprise that the best Ford car insurance is usually affordable. However, you can still get affordable Ford car insurance quotes. Consider the following Ford car insurance savings tips:

• Lower your coverage. Choosing the minimum required coverage is a great way to keep rates down. You should also be cautious of add-ons, which can significantly increase your rates.
• Raise your deductible. Your car insurance deductible is the amount you pay when you file a claim. Increasing your deductible will lower your monthly rates, but you’ll be financially responsible for a larger bill if you need to make a claim.
• Look for discounts. There are many discounts to take advantage of, but you need to find the company that offers you the most. Popular discounts for Ford owners include bundling discounts, good student discounts, and multi-car discounts.
• Enroll in telematics. Usage-based auto insurance programs help low-mileage, safe drivers significantly reduce their rates. If you allow your company to track your driving habits, you can save up to 40%.
• Stay out of trouble. Keeping your driving record clean is one of the most important ways to keep Ford car insurance rates low. Drivers with speeding tickets or reckless driving charges pay much more for their insurance.

The amount of coverage you need for your Ford will also affect your rates. Brand-new Fords should have full coverage, especially if you have a loan or lease. Full coverage costs more but can save you thousands if you ever need to make a claim.

Older, less valuable Fords might be fine with a minimum insurance policy. Minimum insurance doesn’t protect your car in most states, but it’s your cheapest option for coverage.

You can also elect add-ons for your policy if your budget has a little wiggle room. Popular add-ons for Ford vehicles include roadside assistance, rental car reimbursement, and gap insurance. Comparing rates for gap insurance, other additional coverage, or any other add-ons will show you what you may want to include in your car insurance policy.

Find the Best Ford Car Insurance Today

Ford car insurance rates are usually affordable regardless of the model you drive. Most models cost a little more than the national average to insure, but some cost as little as $117 a month. Even if you have the most expensive Ford model to insure, there are plenty of ways to save on your insurance.

While you can save by finding Ford car insurance discounts, trying a telematics program, and being a safe driver, comparing quotes is the best way to find affordable Ford car insurance. The more companies you look at, the more likely you’ll find affordable Ford car insurance quotes.