Car Insurance Rates Battle: Ford vs Chevy

Ford's car insurance rates are less expensive than Chevrolet's. Expect to pay an average of $118 a month for Fords, compared to $122 for Chevys.

UPDATED: Jun 2, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 2, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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The cheapest Chevy to insure is the Chevy Spark. The reason for this is that it is the cheapest vehicle manufactured by Chevy at a starting price of about $12,660.

The problem is that the Ford Fiesta, which is in the same class as the Chevy Spark, is less expensive to insure even though it costs a little more than the Spark. Part of the reason for this is that the Fiesta has more safety features and higher safety ratings.

Cheapest Cars to Insure – Ford vs. Chevy

The bottom line is that the less you are paying for your car insurance, the better. However, one thing that you need to be aware of is that some insurance companies give you less when you pay less.

You need to be conscious of all the benefits that each insurance company offers when they are quoting you a rate on your car insurance.

For example, if you compare GEICO to Progressive, you will often find that Geico is the less expensive of the two.

However, what you may not know is that GEICO’s insurance doesn’t cover other drivers on your car while Progressive’s insurance does. In addition, GEICO doesn’t cover rental car coverage while Progressive does.

Understanding what you are getting with your insurance policy is important.

While not having some extras may not be significant, if you aren’t aware of what you do or don’t have, you might find yourself in a situation where you aren’t covered in an accident.

Hybrids and Electric VehiclesFord vs. Chevy

Both companies are in transition here when it comes to hybrids and electric vehicles. On average, we found that car insurance for an electric vehicle is about 23% more expensive than the cost for the equivalent combustion model.

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Factors Included for Insurance Pricing a Ford vs. Chevy Vehicle

You may be wondering what factors are included when an insurance company quotes you a price for your premiums.

  • Your driving history – Your past three years of driving is a major factor.
  • Age and gender – In addition, an insurance company is going to consider this. Young males tend to have more accidents, especially fatal accidents, according to the Institute for Highway Safety. Therefore, they pay more for their insurance than any other age or gender group.
  • Safety features – The safety features included with your vehicle from the factory are considered as well.
  • Occupation – Many insurance companies include your occupation when considering how much you are going to pay for your insurance. Their rates are based upon statistical information regarding accidents and the occupations of the different people in those accidents.

People who work as doctors, lawyers, CEOs, deal with more stress and statistically this results in more aggressive driving and higher insurance rates.

Your credit score, the type of car you drive, where you live, how much education you’ve completed, and more of your characteristics and traits can all impact your rates as well. That is why it is so important to shop around for the lowest possible premiums.

You can find competitive insurance premiums for countless other vehicle models, especially if you request a car insurance quote from multiple companies.

Auto insurance companies usually charge more to insure electric cars because of higher repair costs.

Enter your ZIP code below to compare online car insurance quotes for free today.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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