How much would car insurance cost for a Ford Fairlane?

The Ford Fairlane was discontinued in 1970. Classic car insurance for a Fairlane is an available option offered by many insurance companies. Comparison shopping online can save you up to 20%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: May 21, 2020

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Here's what you need to know...

  • The Fairlane ceased production after 1970
  • You may be able to purchase collector car insurance if you own a Fairlane
  • Make sure when you’re discussing insurance with your company, you understand what your insurer offers in terms of actual, stated and agreed values


The cost to insure a Ford Fairlane will vary greatly based on the year of the car, the mileage, the condition, and several other factors explored below.

Hagerty’s estimates that the median insured value of collector cars, like the Ford Fairlane, is around $14,000. However, the overall range is, of course, very broad. Car insurance costs vary too.

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The Ford Fairlane was originally sold by Ford throughout the 1950s, 1960s, and the year 1970.

The vehicle was named after Henry Ford’s estate, that is, Fair Lane in Michigan. It was originally devised as a full-size car but then became a mid-size car after 1962.

The first features introduced were indeed luxurious for the time:

  • motorists could choose between six different body styles
  • drivers enjoyed a tinted, transparent plastic roof
  • engines could be a straight-6 or a 272 CID V8

What do I need to know about the Ford Fairlane history?

Popular models included the Crown Victoria, the 500, the convertible and the 500 Skyliner. In the 1960s, it was adapted into a mid-size car. The First Generation featured options of I6, V8 3.6 and V8 4.2.

The Second Generation, in the mid-1960s, had upgraded CID V8 engines, and the Third Generation, in the late 1960s, introduced the 428 CID V8. This is when the company introduced the sedan and coupe models of the car.

The Fourth Generation in the year 1970s saw the Windsor V8 and Cleveland V8 models, as well as the 385 series. After this year, the car was discontinued.

However, the Fairlane was redesigned for the year 2005. The new crossover utility vehicle was described as a people mover that allowed for three-row seating, enabling easy transportation of up to six passengers.

The new Fairline had a three-bar horizontal grill design, which was an innovation for Ford.

It was modeled after the Ford D3, as well as the Taurus and Mercury Sable. This car was conceived as a mini-van replacement, however, the company eventually renamed the model the Ford Flex.

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Why does the year of my Ford Fairlane matter for car insurance rates?

With a car that was made for so many years, the type of insurance available can differ greatly. This section will refer to an old school Ford Fairlane, meaning you want collector car insurance.

In general, Ford Fairlane cars were solidly built, some years and makes more secure than others. Ford introduced new safety features to the car industry in 1956 with this car, including:

  • double grip door latches
  • deep-center dished steering wheels
  • protected windows and doors
  • the new “seatbelt”

In fact, these early Ford Fairlanes were considered so safe it actually turned many car buyers off. Even before safety became government-regulated in 1968, Ford was pushing safety. New and innovative safety features continued with the Ford Fairlane Crown Victoria.

Of course, much of the Ford Fairlane’s innovations are now commonplace. Therefore, you won’t exactly be paying insurance premiums on a super-safe car. Instead, you will be paying on a classic car.

First, know that practically every classic car insurance provider requires a higher than average cost and a far more restrictive policy.

Nevertheless, you may be surprised to know that a regular car insurance provider could charge up to 500% more than a specialty car program. Collector programs, though restrictive, actually offer some excellent benefits.

When choosing a program, you will be considering three types of coverage:

  • Actual cash value
  • Stated value
  • Agreed value

The first of these basically treats your collectible car like an ordinary car and pays on the depreciated bluebook value for claims. If you have an old car, it has little value under this policy.

Stated value policies are generally better since you get to set the value of the vehicle yourself. However, the insurance company has the right to pay up to your set amount.

The best policy, then, is the agreed value policy, since this is a guarantee of getting your stated value back.

Be aware that some car insurance providers may demand that you drive your vehicle fewer than 2,500 miles per year to qualify for special coverage.

Will I pay extra to buy car insurance for a Ford Fairlane?

This is not easy to answer because, in addition to the special classic coverage, as well as the condition of the vehicle, the insurance company must consider you, the driver.

Here are some personal factors that will impact your insurance rates:

  • Your driving record
  • Your age
  • Your location
  • Your credit score
  • Your performance as the driver (any tickets, collisions or special risk)

Why not start looking for coverage right now? You can find car insurance rates for a Ford Fairlane by entering your ZIP code and using our search comparison tool now!

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