Best Car Insurance Companies for Ford (2024)
To find the best car insurance company for Fords, drivers need to compare multiple quotes. At $155 per month, the average Ford insurance policy costs about the same as the national average. Although Ford auto insurance rates are generally low, drivers can save by finding discounts.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Ford car insurance prices tend to match the national average, though drivers might see higher or lower rates depending on their situation
- Car insurance for a Ford is usually affordable due to low repair costs and solid safety ratings
- You can find the cheapest Ford car insurance by comparing quotes and taking advantage of discounts
With an average price of $155 per month, finding affordable Ford car insurance is usually an easy task. Ford auto insurance quotes tend to be low due to low repair and replacement costs, high safety ratings, and a solid reputation for reliability.
Although most drivers see low quotes, car insurance for Fords can vary significantly based on your unique circumstances. Rates also change by how much car insurance you need and your state’s minimum coverage requirements. Read on to learn how to find the most affordable rates, then compare quotes to find the best car insurance company for Ford.
Ford Car Insurance Coverage Options
Your car is more than just a method of transportation. It’s an asset and a valuable one at that. In fact, outside of your home, it’s most likely the next most expensive item you own, meaning that insuring it properly is imperative. Insurance companies offer a slew of options, and you may need some, if not all, of them.
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Let’s cover a few types of car insurance coverage in detail:
Liability Coverage
Required in most states, liability coverage is the foundation of all car insurance policies. Whether you cause an accident, a pile-up, run over a neighbor’s mailbox, or cause injuries to another party, your vehicle’s liability coverage protects you in some of the most common — and the worst — situations. Learn more about car insurance requirements.
Comprehensive Coverage
To protect your asset, comprehensive car insurance may very well be a necessity. In today’s economy, windshields commonly run north of $1,000 to replace, and many states waive car insurance deductibles for windshield repair/replacement.
Comprehensive coverage also kicks in when you need to file claims regarding theft, falling objects, floods, or a variety of other external causes which don’t involve your vehicle colliding with another object.
Read more: Does my car insurance cover damage caused by a lightning strike?
Collision Coverage
Suppose you’ve still got payments to make, whether loan or lease. Comprehensive and collision will be required by your lienholder/lessee in order to protect their investment. If it’s paid off, neither is required, but both are worth looking into.
Liability (listed above) pays for damages or injury to the other party’s person/vehicle in the event that you cause an accident, but liability does not pay to fix your vehicle in such an instance. Collision coverage is offered to repair or replace your vehicle in the event of an at-fault accident. Find the best collision coverage car insurance companies here.
Underinsured Motorist Coverage
This largely unknown coverage could be a lifesaver under the right circumstances. In many states, the required liability coverage one needs to drive covers far less in property damage than would be necessary to replace your vehicle.
For instance, let’s consider the Ford GT Fastback. Nowadays, they start north of $38,000. If someone totals your vehicle in a state which requires that they carry only $25,000 in property damage liability, you could be left responsible for paying $15,000 or more, all from an accident you didn’t even cause.
Underinsured coverage makes up the difference between the offending driver’s liability limit and the cost of the resulting medical/property damage. Find the best uninsured motorist coverage car insurance companies here.
Roadside Assistance
This is a relatively cheap option at most insurance companies, but it may help you evade the costliest claims. Abandoning a vehicle raises the chances of vandalism and theft, so a few extra bucks a year may protect your purchase and give you peace of mind.
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Compare Ford Car Insurance Rates and Options
Ford car insurance rates, in general, expect to pay a little less than the national average, whether we’re talking monthly or yearly insurance costs. This, however, can vary by model. One notable exception is the Ford Mustang, a horsepower-packed sports car that insurance companies must rate accordingly. But if you’re in an Explorer, a Bronco, or an F150, you can expect favorable premiums.
Even still, it’s worth keeping in mind that the vehicle you drive is only a single data point factoring into your cost. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture too. Here’s what you should expect on average on the insurance front:
Ford Average Monthly Auto Insurance Rates by Model and Coverage Type
Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
---|---|---|---|---|
2023 Ford Taurus | $33 | $58 | $42 | $149 |
2023 Ford Mustang | $35 | $72 | $42 | $167 |
2023 Ford Fusion Hybrid | $32 | $66 | $47 | $164 |
2023 Ford Fusion Energi | $34 | $63 | $37 | $149 |
2023 Ford Fusion | $34 | $63 | $37 | $149 |
2023 Ford Focus ST | $27 | $52 | $42 | $137 |
2023 Ford Focus RS | $32 | $64 | $42 | $153 |
2023 Ford Focus | $24 | $52 | $42 | $133 |
2023 Ford Flex | $32 | $55 | $42 | $145 |
2023 Ford Fiesta | $22 | $41 | $42 | $121 |
2023 Ford F-350 | $34 | $58 | $52 | $165 |
2023 Ford F-250 Super Duty | $32 | $61 | $47 | $158 |
2023 Ford F-150 | $32 | $47 | $37 | $132 |
2023 Ford Explorer | $31 | $47 | $37 | $131 |
2023 Ford Expedition | $34 | $53 | $32 | $132 |
2023 Ford Escape | $28 | $44 | $32 | $117 |
2023 Ford Edge | $27 | $50 | $37 | $130 |
2023 Ford C-Max Hybrid | $27 | $55 | $42 | $140 |
2023 Ford C-Max Energi | $28 | $58 | $42 | $144 |
Coverage options and discounts vary from provider to provider. Get all the quotes you can find and look them over thoroughly before you decide. While you’re at it, keep these car insurance discounts in mind to lower the insurance cost:
- Vehicle safety. Safety is all the rage these days, and as such, many Ford models come standard with some of the highest-tech safety features available. Insurance companies tend to offer discounts accordingly.
- Anti-theft. If your Ford is prepared to ward off would-be carjackers with anti-theft features, ask your insurance carrier to be sure that you’re seeing those savings.
- Multi-car. Does your Ford have any companions in the garage? Quote your other vehicle(s) too. Bundling vehicles with the same company often garners one of the biggest discounts available.
- Multi-line. Whether it’s homeowners, renters, or life insurance, bundling policies of different types will save on each.
- Drivers training. Maybe it’s been since you’ve taken a driver’s training course. Most insurers offer discounts for taking updated classes, even online.
- Usage-based discounts. Many major insurance companies now offer discounts for drivers who allow monitoring of their driving habits, whether through a device or by downloading and maintaining an app.
How to Find the Best Car Insurance Company for Ford
Who should you choose to insure your Ford? In truth, the best may vary from place to place or person to person. While price is naturally a determining factor, it should never be the sole measure. Check around to see who has the best ratings and why then allow those to factor in.
When you need help, who do you trust to address your needs quickly? To help you secure a rental vehicle or help find the right body shop? Every provider does business differently, so which insurance company will offer the best Ford car insurance could have more to do with your personality than the fine print of any insurance renewal.
If you prefer interacting face-to-face, opt for an agent. Captive agents can quote you with a single company, while independent agents (brokers) can quote you from a variety of companies at once; plus, they serve as your face-to-face contact in the event of an emergency, claim, or crisis.
Other companies prefer to operate without local agents at all. This may save on expenses, but if you’re an in-person customer, it may not be worth the headache. If, however, you prefer to do your business online or via an app, the reverse could be true.
Get Quotes From the Best Car Insurance Company for Ford Today
In today’s auto market, claims are costlier than usual and perhaps more expensive than ever. Prices are on the rise, and quality vehicles are becoming scarce. In today’s economy, insurance is about more than the bottom line.
It’s worth finding the insurer who provides you with the peace of mind you’re paying for. If you’re concerned that your current insurer doesn’t have you covered, do yourself a favor and nab a quote or ten.
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Frequently Asked Questions
Is Ford car insurance expensive?
Ford auto insurance tends to run below the aggregate average. However, this varies by model. If you’re driving a Mustang, you’ll find your rate is likely higher than average but incredibly fair for a sports car. If you’re in an Escape, be prepared for insurance that barely scratches your bank account.
What insurance company does Ford use?
Ford Insure is a usage-based policy offered Nationwide. However, bear in mind that all companies can insure Ford vehicles, and most companies also offer usage-based discounts. Gather quotes all around.
Is Ford F-150 car insurance high?
Not at all! Insuring a Ford tends to cost less than the average vehicle. Within that subset, the F150 is among the lesser expensive Fords to insure. Still, compare Ford car insurance quotes to find the best rate available.
What factors should I consider when looking for the best car insurance company for Fords?
When looking for the best car insurance company for Fords, you should consider factors such as the coverage options offered, the cost of the insurance, the company’s reputation, and their customer service.
Which car insurance companies offer Ford car insurance?
Most car insurance companies offer Ford auto insurance, but some may specialize in certain types of vehicles. It’s best to research and compare different companies to find the one that offers the coverage options you need.
Is it important to choose a car insurance company that specializes in Fords?
It’s not necessary to choose a car insurance company that specializes in Ford, but it can be helpful as they may have a better understanding of the unique needs and requirements of Ford vehicles.
What is the best car insurance company for Ford?
Some of the best car insurance companies for Fords include:
- Geico
- State Farm
- Allstate
- Progressive
However, the best company for you will depend on your individual needs and circumstances.
How do you compare Ford car insurance quotes?
To compare Ford car insurance quotes, you can use online comparison tools or contact insurance companies directly to request quotes. Be sure to compare coverage options and costs to find the best deal.
Can I get discounts on car insurance for a Ford?
Yes, many car insurance companies offer discounts for various factors such as safe driving, good grades, and multiple policies. Be sure to ask about any available discounts when getting quotes.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.