Auto Insurance Rates: Toyota vs Ford

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Here's what you need to know...
  • The biggest problem you face with Toyota and Ford is that they don’t have many similar vehicles to compare against each other
  • The only competition for Ford in the truck category is Chevy, and neither one of these companies has big trucks that are considered affordable in terms of car insurance
  • According to Motor Trend Magazine, you can expect to pay $500 more for gas each year for the Fiesta than you will for the Prius

When it comes to the insurance rates of Toyota vs. Ford, you will find that in many cases they are quite comparable. In other cases, because of a lack of similar vehicles between the two manufacturers, there is simply nothing to compare.

In any case, the only way to compare Ford and Toyota insurance rates is to actually know what type of car for which you are looking.

According to IntelliChoice, both Toyota and Ford have vehicles that made it to the list of cheapest cars to insure with the Toyota Sienna minivan costing about $977 a year to insure and the Ford Escape costing $975 to insure.

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Comparing the Vehicles of Toyota and Ford

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The biggest problem that you are going to face when it comes to comparing the vehicles between Toyota and Ford is that they don’t have many similar vehicles to compare against each other.

For example, Ford no longer makes minivans. Sure, you can compare their older minivans with Toyota’s minivans, but if it isn’t the same year with a similar cost and safety features, then it isn’t much of a fair comparison.

Another thing that you will find is that Ford has quite a few more full-sized trucks than Toyota.

Arguably, the only competition for Ford in this category is Chevy, and neither one of these companies has big trucks that are considered affordable in terms of car insurance.

In fact, last year, according to Motor Trend Magazine, the Ford F150 extended bed king cab truck was one of the most expensive vehicles in the U.S. to insure; the exception being that it was not in a sports or luxury class of vehicle.

The 2011 F150 costs nearly $1,400 a year to insure!

The most common comparison that you can make between Toyota and Ford is that they both have a variety of sedans to compare.

If you are making a decision between these two car companies, make sure that you compare things like:

  • Safety
  • Comfort
  • Customer ratings
  • Operation costs

You want to ensure that you are getting the most for the money that you spend.

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Insurance Rates for Toyota vs. Ford – Long-Term Economics

One of the things that you should consider when you are comparing the insurance rates between Toyotas versus Fords is long-term economics. Something that you should be aware of when considering the cost of your vehicle is the cost of ownership or operating costs.

The most economical vehicles from these two companies are the Ford Fiesta and the Toyota Prius.

Now, in terms of up-front costs, the Ford Fiesta offers a lower buying price at nearly half the cost of the Toyota Prius. However, the Prius offers better fuel economy than the Fiesta.

According to Motor Trend Magazine, you can expect to pay $500 more on gas each year for the Fiesta than you will for the Prius.

It is this kind of operating cost that you need to figure into your budget! You need to find the best rates for your needs!

Buying Car Insurance for Toyota, Ford, or Any Car

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The fact is that no matter where you live, you will need to have car insurance for your vehicle.

Okay, there are a couple of exceptions, but even in these cases, you have to provide proof of financial responsibility by purchasing a bond of $50K or more in order to forgo actual liability insurance.

Buying car insurance should always start with a quote. You may think that think that you can’t get a comparison if you don’t own a car, but that just isn’t true. You can compare quotes for any kind of car in the world, whether your own it or not.

Free quote tools, such as the one found on this site, provide you with the ability to compare car insurance rates without any obligation to purchase.

Comparing quotes is a great way to dream a bit.

For example, if you have ever wanted a sports car and think that you can save the money for it, you can get an idea of what you might end up paying in insurance premiums before you open up a savings account.

You will know right away whether or not a specific car could ever be a possibility for you.

What’s more, a quote tool is far more accurate than an average cost comparison because your quote will be based on your specific information, such as your driving record, rather than general information provided through surveys.

Enter your ZIP code in the box below and look through car insurance quotes right now.

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