Ford Insurance Cost — Average Rates by Model
Ford is one of America's oldest and most iconic automakers, producing everything from the best-selling F-150 pickup to the electric Mustang Mach-E. Insurance costs vary widely across their diverse lineup.
Get a Ford Insurance Quote$1,650/yr
Average Annual Cost
United States
Country of Origin
5
Models Compared
$1,620/yr
Cheapest (Escape)
About Ford Insurance
Ford is one of America's oldest and most iconic automakers, producing everything from the best-selling F-150 pickup to the electric Mustang Mach-E. Insurance costs vary widely across their diverse lineup.
Insurance costs for Ford vehicles range from $1,620/yr for the Escape (Compact SUV) to $2,350/yr for the Mustang (Sports Car). The model you choose is one of the biggest factors — a Escape can save you $730 per year compared to a Mustang.
Frequently Asked Questions
How much does Ford insurance cost on average?
The average Ford insurance premium is $1,650/yr. Costs range from $1,620/yr for the Escape to $2,350/yr for the Mustang, depending on the model, year, and your personal driving profile.
What is the cheapest Ford to insure?
The Ford Escape is typically the cheapest to insure at an average of $1,620/yr. Its compact suv classification, 5/5 NHTSA safety rating, and medium theft risk all contribute to lower premiums.
What is the most expensive Ford to insure?
The Ford Mustang has the highest average insurance cost at $2,350/yr. As a sports car, it has higher repair costs and replacement value, which drives up premiums.
Does Ford's safety rating affect insurance?
Yes. Ford vehicles generally earn strong safety ratings, which can qualify you for insurance discounts. Models with IIHS Top Safety Pick+ ratings may see lower premiums compared to vehicles with lower ratings.
How can I save on Ford insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), choose a model with lower insurance costs, maintain a clean driving record, bundle your auto and home policies, and ask about available discounts like safe driver or anti-theft device discounts.
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