How Much Is Ford Car Insurance?

How Much Is Ford Car Insurance?

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We compared quotes from the top insurers and found the average cost of auto insurance for a Ford is $2,087 per year. Our analysis pulled insurance rates for eight of the most popular Ford models over the last five years.

The annual cost of insurance for Ford models ranged from $1,812 to $2,710 for the eight models we surveyed.

Ford drivers can take advantage of the Ford Insure program to get discounts using on-board technology with newer models. The insurance, through Nationwide, provides lower rates for safe driving habits, up to a 40% discount.

Compare Ford insurance costs by model:

Ford insurance cost by model

The cheapest Ford model to insure based on our analysis is the Ford Escape, which costs $1,812 per year on average for a 30-year-old male. The most expensive Ford model to insure from our sample is the Ford Mustang, which costs $2,710 per year on average to insure.

Cost to insure a Ford by model

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The cost to insure a vehicle may vary based on a wide range of factors, including location, age and driver history. For this reason, we recommend always comparing quotes from multiple insurers in order to find the best rate.

Rank
Model
Average annual premium
1Escape$1,812
2Edge$1,907
3Fiesta$1,922
4Explorer$2,018
5F-150$2,022
6Focus$2,141
7Fusion$2,167
8Mustang$2,710
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Ford Edge insurance cost

The Ford Edge is the second-cheapest model we analyzed. We found the average cost to insure a 30-year-old male is $1,907 per year. Teenage drivers can expect to pay more, as the average cost to insure a Ford Edge for an 18-year-old is $4,334 per year.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford Edge$2,058$4,688
2019 Ford Edge$1,991$4,534
2018 Ford Edge$1,907$4,326
2017 Ford Edge$1,814$4,107
2016 Ford Edge$1,767$4,015
Average$1,907$4,334
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Ford Escape insurance cost

With an average cost of $1,812 per year for our sample driver, the Ford Escape has the cheapest insurance rates out of the eight models we surveyed. This comes out to $151 per month. The average cost to insure an 18-year-old is $4,163 per year, which is more than double the cost for a 30-year-old.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford Escape$1,957$4,526
2019 Ford Escape$1,849$4,266
2018 Ford Escape$1,856$4,246
2017 Ford Escape$1,740$3,990
2016 Ford Escape$1,659$3,787
Average$1,812$4,163
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Ford Explorer insurance cost

The cost to insure a Ford Explorer had a range of $380 across the five model years we analyzed. The average cost to insure a Ford Explorer for a 30-year-old is $2,018 per year. For an 18-year-old, the Ford Explorer has an average insurance cost of $4,634 per year.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford Explorer$2,217$5,104
2019 Ford Explorer$2,088$4,808
2018 Ford Explorer$2,045$4,697
2017 Ford Explorer$1,900$4,343
2016 Ford Explorer$1,837$4,219
Average$2,018$4,634
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Ford F-150 insurance cost

Our analysis of rates found the average cost to insure a Ford F-150 is $2,022 per year for our 30-year-old driver. While insurance rates are usually the cheapest for older model years, this was not the case, as the 2017 Ford F-150 is the second-most-expensive model year to insure. The average cost to insure an 18-year-old across the five model years is $4,549.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford F-150$2,129$4,807
2019 Ford F-150$1,077$4,674
2018 Ford F-150$1,960$4,388
2017 Ford F-150$2,016$4,540
2016 Ford F-150$1,924$4,335
Average$2,022$4,549
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Ford Fiesta insurance cost

Despite having the second-highest MSRP for the 2020 model, the Ford Fiesta ranked as the third-cheapest Ford to insure, at an average rate of $1,922 per year for our 30-year-old sample driver. The average cost to insure a Ford Fiesta for an 18-year-old is $4,489 per year.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford Fiesta$2,054$4,825
2019 Ford Fiesta$1,975$4,628
2018 Ford Fiesta$1,897$4,396
2017 Ford Fiesta$1,845$4,305
2016 Ford Fiesta$1,838$4,015
Average$1,922$4,489
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Ford Focus insurance cost

Our analysis of quotes revealed that car insurance for the Ford Focus costs an average $2,141 per year for our 30-year-old driver. This is $54 more than the average of all the Ford models we surveyed. An 18-year-old can expect to pay an average of $5,031 per year to insure a Ford Focus.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford Focus$2,403$5,688
2018 Ford Focus$2,193$5,160
2017 Ford Focus$1,964$4,597
2016 Ford Focus$2,003$4,680
Average$2,141$5,031

2019 model data not available.

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Ford Fusion insurance cost

The cost to insure a Ford Fusion is slightly higher than the rates for a Ford Focus. The average cost to insure a Ford Fusion is $2,167 per year for our 30-year-old sample driver. This comes out to $181 per month. Teenage drivers can expect to pay more than double that, as we found the average annual cost to insure a Ford Fusion is $5,012 per year for an 18-year-old.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford Fusion$2,377$5,537
2019 Ford Fusion$2,265$5,262
2018 Ford Fusion$2,147$4,950
2017 Ford Fusion$2,055$4,739
2016 Ford Fusion$1,993$4,574
Average$2,167$5,012
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Ford Mustang insurance cost

Our analysis found that the average cost to insure a Ford Mustang is $2,710 per year for a 30-year-old and $6,382 per year for an 18-year-old. These rates make the Ford Mustang the most expensive to insure out of all eight Ford models we surveyed.

Year and model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Ford Mustang$3,077$7,280
2019 Ford Mustang$2,859$6,719
2018 Ford Mustang$2,773$6,543
2017 Ford Mustang$2,495$5,897
2016 Ford Mustang$2,344$5,469
Average$2,710$6,382
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Ford Insure

Ford drivers can cover their vehicles through the Ford company 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.

Ford Insure is available to owners with eligible vehicles model year 2020 or later. Drivers get a discount of 10% for enrolling, and after a trial period of four to six months, drivers receive a discount of up to 40%. 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:

  • Miles driven
  • Hard braking and acceleration
  • Idle time
  • Nighttime driving

Drivers have access to the same coverages available to Nationwide customers.

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

Methodology

To calculate the average cost of insurance for a Ford, we collected insurance rates for two sample drivers: a 30-year-old male and an 18-year-old male. The Ford insurance rates we used were for a full-coverage policy with the following limits:

Coverage
Limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

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

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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