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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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On average, the cost to insure a vehicle in the US is $106 per month. But when you drive a Ford, that monthly expense drops slightly to $104 per month. While it isn’t a major difference, it’s good to know that the average cost to insure a Ford is 3% less than what you’d pay for the average vehicle.
It goes without saying that your unique driving record and where you live will significantly impact your car insurance rates, but knowing with a Ford you might save a bit more than with others makes your driving experience just a little bit sweeter.
While driving a Ford saves you more than other models in general, the specific model you have impacts that rate as well. Driving a fast sports car often leads to a higher insurance premium that a slow and steady pickup truck for example. That’s why with some models you may be looking at insurance costs that are well above the national average, while others will be less than that..
Here’s a closer look at Ford car insurance rates based on the model.
The Fiesta is a compact car that Ford discontinued in 2019. Since it was a relatively recent model, you can still find plenty of these vehicles in the used car market. If you are driving a Ford Fiesta, you should expect to pay an average of $114 per month for car insurance.
The Ford Five Hundred is a mid-sized sedan last manufactured in 2007. Although you won’t find a new model, there are plenty of used models for sale. Drivers with a Ford Five Hundred will pay an average of $83 per month for car insurance.
The Ford Flex is a spacious SUV that offers the coveted three rows of seating. Unfortunately, Ford discontinued this model in 2019. If you find yourself driving a Ford Flex, you’ll pay an average of $109 per month for car insurance.
The Ford Focus is a smaller vehicle that offers impressive gas mileage. Ford recently stopped manufacturing the Focus, but you’ll find many of these small cars in the used market. When driving a Ford Focus, drivers pay an average of $101 per month for car insurance.
Ford Freestars are older vans last manufactured in 2007. With a roomy interior, you might enjoy the space it has to offer for your family or other precious cargo. Plus, you can enjoy relatively low car insurance rates. Freestar drivers can expect to pay an average of $73 per month for car insurance which is way below the national average.
The Ford Freestyle is a crossover utility vehicle that was initially on the market from 2005-2009. It was marketed as a better version of the Ford Taurus station wagon, but didn’t last long. Ford Freestyle drivers can expect to pay an average of $76 per month for car insurance.
The Ford Fusion is yet another discontinued vehicle last manufactured in 2020. Since it is a relatively recent model, you’ll still find many of these on the road. Unfortunately, the average car insurance costs for this vehicle are high in comparison to the national average. If you are driving a Ford Fusion, you can expect to pay an average of $128 per month for car insurance.
You can’t mention sports cars without talking about the Ford Mustang. The Mustang is available in both 2 and 4 door versions, with a hardtop or convertible roof. Whether you go with a classic or newer model you can’t go wrong. Current Mustang drivers can expect to pay an average of $100 per month for car insurance.
The Ford Probe is a small two-door vehicle discontinued in 1997. You may still find some of these on the used car market. If you find yourself driving a Ford Probe, you may get a steal of a deal for car insurance. On average, Ford Probe drivers pay just $48 per month for car insurance.
The Ford Ranger was a very popular small truck back in the 1990s. After discontinuing the model in the 2000s, Ford recently revamped the Ranger for a new release in 2019. Since then, the mid-sized truck has regained popularity. If you are driving a Ford Ranger, you can expect to pay an average of just $65 per month for car insurance.
Ford manufactured the Taurus for over 34 years until recently deciding to discontinue it. While they’re no longer in production, you’re sure to see many on the road and for sale. If you drive a Taurus, you can expect to pay an average of $87 per month for car insurance, which is below the national average.
The Ford Tempo was a mid-size car last manufactured in 1992. As an older vehicle with few model years, you may not find too many in the used car market. But if you come upon a Ford Tempo, you can expect to save big on car insurance. On average, drivers of Ford Tempos are paying $55 per month for car insurance.
A Ford Thunderbird is a classic sports car first manufactured in 1955. It was a popular vehicle for several decades. Although the vehicle is no longer regularly manufactured, Ford has released several special editions over the years. The latest special edition was released in the early 2000s.
If you are lucky enough to drive this coveted sports car, you’ll pay an average of $63 per month for car insurance.
The Ford Transit is a full-sized cargo van that can accommodate up to 15 passengers. Large families and businesses alike can appreciate the spacious qualities this van has to offer. Ford Transit drivers pay an average of $131 per month for car insurance.
Ford last manufactured the Windstar in 2003. The van was a popular option for families in the 1990s. But the limited number of model years makes this a unique find on the used car market. If you find yourself driving a Windstar, you can expect to pay an average of $62 per month for car insurance.
The Ford model you drive is only part of the picture when it comes to how much you’ll pay for your auto insurance. Your car insurance company will also play a big part because different companies can charge drastically different rates to insure the same person with the same vehicle. If you are looking for the best Ford car insurance rates, it is useful to see what companies are charging their average Ford driver.
Here’s a look at the average monthly premium of Ford car insurance rates by the company. We start with companies offering the most affordable rates first.
Hugo | $41 |
|---|---|
| Aspire | $44 |
| Commonwealth Casualty | $59 |
| National General | $61 |
| MetroMile | $70 |
| First Chicago | $72 |
| Sun Coast | $72 |
| Fiesta | $77 |
| Dashers | $78 |
| Say Insurance | $79 |
| Gainsco | $79 |
| Assurance America | $80 |
| Carnegie General | $80 |
| MileAuto | $82 |
| MotionAuto | $82 |
| Mercury | $83 |
| Dairyland | $83 |
| 21st Century | $85 |
| Safe Auto | $86 |
| Kemper | $88 |
| Clearcover | $88 |
| Direct Auto | $88 |
| Lonestar | $91 |
| Jupiter | $94 |
| Safeco | $95 |
| Foremost | $96 |
| Insure Max | $98 |
| Acceptance | $100 |
| Verti | $100 |
| Liberty Mutual | $104 |
| Infinity | $105 |
| Foremost | $109 |
| BridgeNet | $109 |
| The General | $119 |
| Safe Auto | $120 |
When shopping for car insurance, keep in mind that having certain safety features in your vehicle can lower your insurance rate. If you already have a Ford, look to see if your vehicle has any of these features. However, if you’re on the look for a new (or new to you) Ford, see if you can get as many safety features as possible in order to save on your insurance.
Lane-Keeping System. Some Ford vehicles offer this safety feature to help drivers stay in their own lane. If you drift out of your lane, the vehicle will alert you.
Evasive Steering Assist. If you suddenly stop or slow down your vehicle, the car will provide supportive steering to help maintain a smooth ride.
Blind Spot Information System. Ford offers a Blind Spot Information System (BLIS). It provides an alert to drivers with vehicles in their blind spots.
Each of these features can help you enjoy a safer ride. If you have these safety features, you may be able to tap into more affordable Ford car insurance rates.
Ready to find the best rate for your vehicle? Give us 5 minutes and we’ll show you to most affordable rates for your Ford.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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