How Much Is Ford Car Insurance?

The average cost of auto insurance for a 2022 Ford is $264 per month.

Eight of the most popular current models and four older ones were analyzed for this article.

Compare Ford insurance costs by model and insurance company:

Ford insurance cost by model

The cheapest 2022 Ford model to insure is the Transit cargo van, which costs $220 per month, on average, for a 30-year-old man. The most expensive new Ford model to insure is the Ford Mustang, which costs an average of $328 per month.

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The cost to insure a vehicle is based on a range of factors, including location, age and driver history. Always compare quotes from multiple companies to find the best rate.

Ford insurance cost by company

State Farm has the cheapest car insurance for Ford owners — $171 per month for full coverage on a 2022 model. That's 33% cheaper than the average rate of $254 per year and 60% less than Allstate, the most expensive company.

Cheapest companies for Ford car insurance

Ford Edge insurance cost

The rate for a 2022 Ford Edge is in the middle of the pack. The average cost to insure a 30-year-old man is $246 per month Teenage drivers can expect to pay more:, at $708 per month for an 18-year-old.

Ford Escape insurance cost

The 2021 Ford Escape has the second-cheapest insurance rates of the models surveyed, at an average of $225 per month for a 30-year-old. The average cost to insure an 18-year-old is $657 per month — more than double.

Ford Expedition insurance cost

The Ford Expedition is one of the company's largest and most expensive vehicles. The average cost to insure a 2022 model for a 30-year-old is $303 per month. For an 18-year-old, that jumps to $870 per month.

Ford Explorer insurance cost

Insuring a Ford Explorer ranged from $201 to $746 across the eight model years analyzed. The average cost for a 30-year-old to insure a 2022 Explorer is $254 per month. For an 18-year-old, that number is $746.

Ford F-150 insurance cost

The average cost to insure a 2022 Ford F-150 is $234 per month for a 30-year-old driver. Although insurance rates are usually cheapest for older models, this wasn't the case with the F-150: The 2021 model is more expensive to insure than the 2022. The average monthly cost to insure an 18-year-old for a 2022 F-150 is $689.

Ford Fiesta insurance cost

The Ford Fiesta, a subcompact car, was retired in 2019. The average insurance rates for that year are $227 per month for a 30-year-old and $686 per month for an 18-year-old.

Ford Focus insurance cost

Car insurance for a 2018 Ford Focus costs an average of $251 per month for a 30-year-old driver. This is $5 less than the average for all of the Ford models surveyed. An 18-year-old can expect to pay about $766 per month.

Ford Fusion insurance cost

The cost to insure a 2020 Ford Fusion is slightly higher for a 30-year-old driver — $255 per month — than the rates for a Ford Focus.. Teenage drivers can expect to pay more than double that: The average cost to insure a 2020 Ford Fusion is $760 per month for an 18-year-old.

Ford Mustang insurance cost

The average monthly cost to insure the base model of a 2022Ford Mustang is $328 for a 30-year-old and $1,168 for an 18-year-old. These rates make the Mustang the most expensive Ford model to insure.

Ford Ranger insurance cost

Ford introduced the Ranger in 2019 as a midsize pickup truck. The 2022 XL edition costs an average of $248 per month to insure a 30-year-old and $717 per month for an 18-year-old

Ford Raptor insurance cost

A new Ford Raptor costs an average of $282 per month for a 30-year-old to insure. That number jumps to $964 if an 18-year-old is behind the wheel. The Raptor, a type of F-150, is among the company's largest vehicles. It is designed for high horsepower and off-road use.

Ford Transit insurance cost

The cheapest Ford model to insure is the Transit, a big van for carrying cargo or a large number of people. A 30-year-old can insure a 2022 Transit for an average of $220 per month, while an 18-year-old will pay an average of $736 per month.

Ford Insure

Ford drivers can cover their vehicles through Ford itself with a usage-based insurance program called Ford Insure. The automaker offers policies, underwritten by Nationwide, that take advantage of connected vehicle data to offer discounts for safe driving.

Eligible customers who don't mind having their driving tracked should at least look into this option.

Ford Insure is available to owners of eligible vehicles with a model year of 2020 or later. Drivers get a discount for enrolling. And after a trial period of four to six months, drivers may receive an even larger discount . The program is similar to Nationwide's SmartRide program.

Drivers must download the FordPass App and activate FordPass Connect to get started. The company tracks a range of behaviors to determine safe driving habits, such as:

Ford Insure is available in every state except Alaska, Louisiana, Oklahoma and Massachusetts. The program is not available for the 2020 F-150 or Fusion Plug-in Hybrid.

Other discounts

Ford also partners with Mile Auto to offer pay-per-mile policies. Drivers can save up to 40% for driving less than 10,000 miles per year.

State Farm customers with Fords from 2020 or later can take advantage of the company's usage-based insurance program, Drive Safe & Save. Using technology built into the vehicle, drivers can save up to 30% on policies in most states.

Methodology

To calculate the average cost of insurance for a Ford, insurance rates were collected from every ZIP code in Texas from six of the nation's largest insurance companies for two drivers: a 30-year-old man and an 18-year-old man. The Ford insurance rates are for a full-coverage policy with the following limits:

This analysis used insurance quote data from Quadrant Information Services. The quotes were publicly sourced from insurance company filings and should only be used for comparison purposes. Actual rates for Ford models may differ from the estimates provided.