Compare Ford Car Insurance Rates (2023)

Ford is one of America’s most popular brands, with the F-150 being the best-sold vehicle for decades. With reliability, affordable prices, and excellent safety ratings, it’s no wonder Americans love Fords.

The average Ford driver pays a little more than the national average for car insurance, though some models are cheaper than others. Whether you want full coverage or the minimum amount of coverage required in your state, you can find affordable rates with little effort. Comparing a full coverage policy to one that only has the minimum requirements can also show you what rates will be like with both types of policy.

Learn more about Ford car insurance rates below, then compare rates with as many companies as possible to find the lowest prices for your Ford.

How much does Ford car insurance cost?

Ford car insurance is a little higher than the national average, with the typical driver paying about $142 a month for their car insurance. However, you can see different rates depending on several factors. These factors include:

• 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 coverage you buy, the more your monthly rates will be. Another important factor is the model you buy. Although the average Ford driver pays $142 a month for insurance, some models cost much more to insure. The Ford Mustang has one of the highest rates, while the Escape is one of the cheapest.

Whether you choose full coverage or minimum coverage will also be a deciding factor in your rates. Below is a table using a 30-year-old male driver to show what rates will look like depending on the amount of coverage you purchase.

There are many different factors that will affect your car insurance rates, especially if you want more coverage to protect the model of Ford you drive.

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What types of insurance should you buy for a Ford?

When it comes to 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. Minimum insurance is the least amount of coverage you can purchase in your state, and you can still register your car and drive on public streets. It costs much less than full coverage, but it does not 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 insurance 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. Comparing liability insurance rates will help you find the best price.
• 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 insurance covers your vehicle and you in the event of an accident, unlike liability which covers the other driver. Collision will also cover you if you hit a stationary object, like a light post.
• Comprehensive: For all of life’s unexpected events, there’s comprehensive insurance. Comprehensive insurance covers damage from things like animals, extreme weather, fire, vandalism, and theft. You can compare comprehensive car insurance to find the best rates often 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’re 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.

Tips to Save Money on Your Ford Car Insurance

As one of America’s most trusted brands, it should be no surprise that Ford car insurance is usually affordable. With the price of just about everything increasing these days, you should still look for ways to save on your Ford insurance. Consider the following tips to find the lowest possible coverage for your Ford:

• Lower your coverage. Choosing the least amount of coverage you need is a great way to keep rates down. You should also be cautious of add-ons, as they can significantly increase your rates.
• Raise your deductible. Your 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 lots of discounts to take advantage of, but you need to find the company that offers you the most. Popular discounts for Ford owners include bundling other policies, maintaining a high GPA, and having multiple cars on the same policy.
• Enroll in telematics. Usage-based insurance helps 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 a full coverage policy, especially if you have a loan or lease. Full coverage costs more, but it 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 Fords 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 Insurance Today

No matter which model you drive, Ford car insurance rates are usually affordable. 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 discounts, trying a telematic program, and being a safe driver, the best way to find affordable Ford car insurance is to compare quotes. The more companies you look at, the more likely you’ll find affordable quotes.

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