Best Car Insurance Company for Fords (2023)

For over a century, Ford has crafted a vast catalog of cars, trucks, SUVs, and more. For every ten vehicles you see on the road, there’s a good chance two or more of them were manufactured by Ford. They’re popular, trusted vehicles that have shuttled my family and yours for decades. Whether you’ve been eyeing the mind-blowing Mach-E sitting in the local showroom, or maybe you’ve been commuting to work in the same trusty fiesta for years. Either way, chances are you love your ride. Ford drivers are enterprising vehicle owners who understand the intersection of quality and price, and that certainly doesn’t mean sticking with the same insurer that raises rates without end. Locating the best car insurance on your Ford nowadays means doing a little shopping around plus a little homework.

The first step in finding the best car insurance for your Ford is to gather all the quotes you can find. But remember: not all insurance policies are created equal. Maybe you need liability coverage, full coverage car insurance, or more. Let’s talk through several options you should consider, and then we’ll see how much you should expect to pay.

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. 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 steps in to protect 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.

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 as a means of repairing or replacing your vehicle in the event of an at-fault accident. Find 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 steps in to make 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 of 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.

Find out how much car insurance you need.

Comparing Rates and Coverage Options for Ford

Drivers of Ford vehicles can, 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:

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.

Selecting the Best Insurance Company for Fords

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 auto 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.

The Bottom Line on Ford Car Insurance

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.