Cost of Ford Car Insurance (2025)
Ford insurance costs an average of $135 per month across all models.
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Ford Motor Company has held a major portion of the American vehicle market since 1903. Its F-Series pickup truck is one of the most popular vehicles in the nation, second only to the similarly priced Chevrolet Silverado pickup.1 2
The average cost of liability-only coverage for Ford vehicles is $94 per month, while the full-coverage average is $177 per month, according to Insurify data. In comparison, the liability-only national average for all vehicles is $103 per month, and the full-coverage average is $182 per month.
Here’s what you need to know about finding car insurance for your Ford.
Cost of Ford insurance by model
The specific Ford model you drive will affect your premiums since your insurer will consider everything from the purchase price of your car to its safety rating, likelihood of theft, and engine size when underwriting your policy. Certain safety features may also qualify you for discounts.
The below table shows how much you might pay to insure different Ford models.
Cheapest Ford insurance by model
If you drive a Ford, you should compare car insurance quotes to find the cheapest insurance policies for the specific model and trim level you drive. Below you’ll find the cheapest car insurance companies for some of Ford’s most popular models.
Ford F-Series trucks are among the most popular pickups in America, spanning everything from the light-duty, full-size Ford F-150 to the heavy-duty F-250, F-350, and F-450 pickups.
The 2025 F-150 has an MSRP range of $39,445 to $112,925, depending on the trim package. The closest similar model, the Chevrolet Silverado, also has a base MSRP of around $38,995, but the high-end models of the Chevy top out at an MSRP of $71,995.
Check out average car insurance costs for the Ford F-Series from top insurers in the table below.
Although Ford discontinued the Fusion in 2020, you can still see plenty of examples of this midsize five-seater sedan on the road. The MSRP for the 2020 Fusion ranged from $24,365 for the base model to $35,790 for the top of the line, and Kelley Blue Book suggests a fair purchase price of $13,904 to $17,156 for anyone buying a used 2020 model.
Similar models include the Honda Accord, Toyota Camry, Chevrolet Malibu, and Kia Optima, all of which have a similar MSRP range.3
The Escape is Ford’s compact crossover SUV offering. With an MSRP range of $29,895 to $39,605 for the 2025 model, the Escape costs about the same as its more popular competitors, the Toyota RAV4 ($30,645 to $38,950) and the Honda CR-V ($31,495 to $36,395).
The most recent Ford Focus model is from 2018, when the manufacturer discontinued American models of this compact passenger car. The Focus was available as either a sedan or a five-door hatchback, and it competed with the similarly priced Chevy Cruze and Kia Forte and the more expensive Honda Civic and Mazda3.
The 2018 Focus had an MSRP range of $19,920 to $41,995, though Kelley Blue Book suggests a current fair purchase price range from $6,119 to $27,904 for a used 2018 Focus.
Since Ford launched the first-generation Mustang in the mid-1960s, it’s been a popular choice among drivers looking for an affordable sports car — and it’s been the world’s bestselling sports car over the last 10 years. A 2025 Ford Mustang has an MSRP of $33,515 to $65,975, depending on the style and trim you choose.
The Ford Explorer is a midsize SUV with three rows of seating. With an MSRP range of $41,350 to $55,835, the Ford Explorer sits squarely in the same price range as its competitors: the Honda Pilot, Chevy Traverse, Kia Telluride, and Hyundai Palisade.
Ford doesn’t plan to offer the Edge after the 2024 model year, ending the two-row midsize crossover SUV’s nearly two-decade run. Drivers interested in purchasing a new Ford Edge can expect to pay an MSRP of $39,960 to $48,700 for a 2024 model.
The base price for the Edge is more expensive than some of its closest competitors, such as the Hyundai Santa Fe and the Nissan Pathfinder, but more affordable than others, including the Dodge Durango and the Honda Passport.
The last Ford Taurus rolled off the assembly line on March 1, 2019, bringing an end to the reign of this popular five-seat passenger sedan. As of 2019, the original MSRP for a Taurus ranged from $28,895 to $44,865, although Kelley Blue Book recommends a fair purchase price of $17,907 to $24,717 for used 2019 models purchased today.
Compared to the same model year of competitors, like the Toyota Avalon and Buick LaCrosse, the Taurus had a lower MSRP and a lower fair purchase price.
Often referred to as the world’s first sport-utility vehicle, the Ford Bronco first rolled off the assembly line in 1965. Ford discontinued the Bronco in 1996 but brought it back in 2021. With standard 4-wheel drive, the Bronco was engineered for off-roading and seats five passengers.
The MSRP for a 2025 Bronco starts at $39,890 for the base trim level and rises to $91,930 for the Raptor trim.
With three rows, the Expedition is Ford’s biggest SUV. Ford fully redesigned the 2025 Expedition, with features including a new exterior, interior, and infotainment system.
The base MSRP for the Expedition Active trim level is $63,995, and the MSRP increases to $85,650 for the King Ranch trim.
Best companies for Ford car insurance
The best auto insurance company for you depends on your circumstances. Since insurers use a number of factors to determine your premium rates, the best and cheapest options will vary for drivers with different demographics and driving histories. Additionally, where you live can also affect your auto insurance costs.
Here are three of the best car insurance companies for Ford insurance.
Best for military members: USAA
Best for overall customer satisfaction: State Farm
Best for drivers older than 25: GEICO
Average cost of Ford insurance by state
Your location is one of many factors that affect your car insurance rates. In the chart below, you can see how much drivers pay for car insurance in different states across all Ford models.
How to get insurance through Ford
Ford offers its own car insurance product, called Ford Insure. On its website, the company says you can get a quote in 30 seconds or less. All types of vehicles are eligible for coverage, so you don’t necessarily need to drive a Ford to get a policy.
The company offers standard coverages, and rental reimbursement coverage is included. But it doesn’t offer many optional add-on coverages. Ford offers several discounts, including a multi-vehicle discount, new car discount, and good student discount.
Ford Insure doesn’t list its availability on its website, but you can call a Ford Insure representative at 1 (888) 270-0025 for more information.
How to ensure you have enough coverage on your Ford
You might choose to carry a number of different types of insurance coverages for your Ford. Here are some of the most common coverages that can meet your insurance needs:
Ford car insurance FAQs
Finding the right auto insurance as a Ford driver will depend on your particular circumstances, including what specific model you drive, your driving history, your location, your credit history, and your age. Here are answers to some of the most commonly asked questions about Ford insurance.
USAA offers the least expensive liability-only and full-coverage insurance for Ford vehicles, according to Insurify data. Since USAA is only available to military members and their families, civilians will find that GEICO and State Farm offer the cheapest Ford insurance, Insurify data shows.
The cost of insuring a Ford vehicle varies among the different Ford models. While the Ford Escape, Edge, and Explorer are among the least expensive models to purchase full coverage for, according to Insurify data, the Mustang is one of the most expensive, only outstripped by the BMW 6-Series, 7-Series, and 4-Series.
For a 2024 Ford Mustang, liability-only coverage costs $183 per month, and full coverage costs $334 per month, Insurify data shows.
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