Find Cheap Auto Insurance Quotes in Your Area
The average cost to insure a Ford is $2,447 per year for a typical adult male profile driver, according to our analysis. However, those looking to cover a Ford Focus — the most expensive 2019 Ford to insure — can expect to pay as much as $3,174 for a full coverage policy. This is 24% more than the annual premiums for the Ford with the cheapest rates, the Ranger.
Ford insurance costs by model
The cost of insuring a Ford can vary by $612 per year, depending on which model you are covering. Below, we have included the annual insurance costs for a full coverage policy:
|2019 Ford model||Average insurance cost for a 30-year-old male||% difference from average across models|
In addition to model, auto insurance premiums for Fords can also vary drastically by trim level. Of the 2019 Fords that we considered in this survey, we found the greatest variance in insurance cost by trim level for the Ford Fusion. Insurance for the 2019 Fusion Sport costs $3,449 per year, which is $974 more than the cost for the base model Fusion, which had annual insurance rates of $2,476.
Cheapest to insure: Ford Ranger
Of the 2019 Ford Models that we considered, we found the Ranger to have the cheapest insurance rates. For our 30-year-old male profile driver, a full coverage insurance policy for this vehicle costs $2,562 per year. This is 9% less than the average across the models we considered of $2,822 per year.
Most expensive to insure: Ford Focus
The Focus is the most expensive Ford to insure, with an annual insurance premium of $3,174 for our adult male sample driver. Focus insurance for a full coverage policy costs 12% more than the mean across the 16 models for the 2019 model year Fords. This translates to a difference of $29 per month.
How driver age affects auto insurance
Insurance premiums for Ford drivers can vary largely depending on the age of the driver. Annual rates for auto coverage cost 71% less for our 34-year-old profile driver than a policy with identical coverage for a 16-year-old driver. The good news for teen drivers, is that they can expect their premiums to drop rapidly as they get older and start to level out around age 24.
Age is one of the key elements that car insurance companies use to set premiums. Insurers regard young drivers as riskier, as they are statistically more likely to be in an accident, file a claim and cost insurers money. Because of this, insurers raise rates for these motorists.
Newer Fords cost more to insure
Ford insurance costs will largely be determined by the vehicle's age. For example, we found that insurance costs for 2019 Fords were, on average, around $800 per year less than 2002 models. For young drivers, the contrast is even more pronounced, with a premium difference of $2,373 per year for our 18-year-old profile motorist.
|Model year||18-year-old average annual insurance cost||30-year-old average annual insurance cost||Difference from model-year average*|
|Average across model years||$6,720||$2,412||0%|
Older vehicles are usually cheaper to insure because their premiums for comprehensive and collision coverage are lower. These low rates reflect the fact that older vehicles are cheaper to repair or replace, which means that claims for these coverages are less costly for insurers.
Cheapest insurance companies for Ford owners
If you are insuring a Ford, the cheapest company will depend on your age. Young drivers should get their best rate with GEICO, while adult drivers will likely get the cheapest quote from Nationwide. However, as the cheapest insurer can change depending on a driver’s location, we recommend that you compare rates to get the most affordable insurance prices.
The annual savings on premiums by choosing the insurance company with the cheapest rates could mean a savings of 32% to 47%, depending on your age. For young drivers, this amounts to a cost difference of over $3,000 per year.
Our analysis drew on quotes from profile drivers living in San Antonio. These motorists had a clean driving record, with no accidents or traffic violations, and owned a 2015 Honda Civic EX. Rates represent the cost of a full coverage policy with liability limits above the state minimum. ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.