Insuring a Ford

As one of the best-known automakers in the world and one of the illustrious Big Three, Ford sells cars that everyday consumers want. Since its inception, the company has placed a top priority on producing vehicles that people can actually afford. That's not to say that the iconic American automaker doesn't produce more expensive vehicles too; it certainly does. On the whole, however, these vehicles are affordable and packed full of top-notch features. So-so safety ratings and somewhat high theft rates make some models a little pricey to insure. The average annual cost to cover a Ford is $1,591.91, which ranks it 24th on a list of 36 makes. Learn more about why it costs that much to protect these vehicles below.

Model Statistics

F-150
F-150
What type of Coverage do F-150 Owners Choose?
Model Legend
$747

Average Annual Cost to Insure

Explorer
Explorer
What type of Coverage do Explorer Owners Choose?
Model Legend
$736

Average Annual Cost to Insure

Taurus
Taurus
What type of Coverage do Taurus Owners Choose?
Model Legend
$666

Average Annual Cost to Insure

Focus
Focus
What type of Coverage do Focus Owners Choose?
Model Legend
$1,176

Average Annual Cost to Insure

Mustang
Mustang
What type of Coverage do Mustang Owners Choose?
Model Legend
$948

Average Annual Cost to Insure

Escape
Escape
What type of Coverage do Escape Owners Choose?
Model Legend
$778

Average Annual Cost to Insure

Ranger
Ranger
What type of Coverage do Ranger Owners Choose?
Model Legend
$773

Average Annual Cost to Insure

Expedition
Expedition
What type of Coverage do Expedition Owners Choose?
Model Legend
$864

Average Annual Cost to Insure

Fusion
Fusion
What type of Coverage do Fusion Owners Choose?
Model Legend
$1,136

Average Annual Cost to Insure

Escort
Escort
What type of Coverage do Escort Owners Choose?
Model Legend
$513

Average Annual Cost to Insure

Windstar
Windstar
What type of Coverage do Windstar Owners Choose?
Model Legend
$1,447

Average Annual Cost to Insure

F-250
F-250
What type of Coverage do F-250 Owners Choose?
Model Legend
$839

Average Annual Cost to Insure

Crown Victoria
Crown Victoria
What type of Coverage do Crown Victoria Owners Choose?
Model Legend
$526

Average Annual Cost to Insure

F-350
F-350
What type of Coverage do F-350 Owners Choose?
Model Legend
$729

Average Annual Cost to Insure

Edge
Edge
What type of Coverage do Edge Owners Choose?
Model Legend
$1,598

Average Annual Cost to Insure

Fiesta
Fiesta
What type of Coverage do Fiesta Owners Choose?
Model Legend
$924

Average Annual Cost to Insure

Contour
Contour
What type of Coverage do Contour Owners Choose?
Model Legend
$371

Average Annual Cost to Insure

E-150
E-150
What type of Coverage do E-150 Owners Choose?
Model Legend
$442

Average Annual Cost to Insure

Freestar
Freestar
What type of Coverage do Freestar Owners Choose?
Model Legend
$705

Average Annual Cost to Insure

Five Hundred
Five Hundred
What type of Coverage do Five Hundred Owners Choose?
Model Legend
$794

Average Annual Cost to Insure

Thunderbird
Thunderbird
What type of Coverage do Thunderbird Owners Choose?
Model Legend
$344

Average Annual Cost to Insure

E-350
E-350
What type of Coverage do E-350 Owners Choose?
Model Legend
$757

Average Annual Cost to Insure

Bronco
Sorry, No Model Image
What type of Coverage do Bronco Owners Choose?
Model Legend
$425

Average Annual Cost to Insure

Freestyle
Freestyle
What type of Coverage do Freestyle Owners Choose?
Model Legend
$800

Average Annual Cost to Insure

Excursion
Excursion
What type of Coverage do Excursion Owners Choose?
Model Legend
$760

Average Annual Cost to Insure

E-250
E-250
What type of Coverage do E-250 Owners Choose?
Model Legend
$903

Average Annual Cost to Insure

Aerostar
Sorry, No Model Image
What type of Coverage do Aerostar Owners Choose?
Model Legend
$429

Average Annual Cost to Insure

Tempo
Sorry, No Model Image
What type of Coverage do Tempo Owners Choose?
Model Legend
$250

Average Annual Cost to Insure

Probe
Sorry, No Model Image
What type of Coverage do Probe Owners Choose?
Model Legend
$1,020

Average Annual Cost to Insure

Flex
Flex
What type of Coverage do Flex Owners Choose?
Model Legend
$450

Average Annual Cost to Insure

Shelby
Shelby
What type of Coverage do Shelby Owners Choose?
Model Legend
N/A

Average Annual Cost to Insure

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Brief History

To understand how Ford got where it is today, it's important to understand its roots. The company was founded by Henry Ford in 1903. Contrary to popular belief, the company did not invent the automobile. He did, however, invent the moving assembly line, which finally made cars affordable enough for everyday people. After buying the Lincoln Motor Company in 1925, the automaker branched out and started including a few higher-end vehicles in its lineup. The brand has always stayed on the cutting edge in terms of popular demand, and its sporty Mustang has remained a top-seller for decades. Today, the automaker holds the title of having the top-selling car in the U.S. The F-150 truck has held that distinction for several years.

Moderate Prices Keep Premiums in Check

If you want to buy an expensive vehicle, you should be able to find one without a lot of difficulty. For the most part, though, these vehicles are very affordable. The popular Edge, for example, has a starting MSRP of $29,770. The Mustang coupe has a starting MSRP of $22,310, but higher trim levels will set you back quite a lot more. With a starting MSRP of $16,500, it's easy to see why the Focus is such a popular car. It is probably the most affordable top-selling model in the lineup.

High Theft Rates Drive Up Prices

Despite the reasonable price tags attached to many of their vehicles, insurance rates tend to veer toward the higher end of the scale. A huge part of the reason is that one of Ford's top sellers appears on a list of the top ten most-stolen vehicles in the U.S. On the list, which is compiled by the National Insurance Crime Bureau, the 1997 F-150 is ranked fourth. It is quite popular with thieves. The Explorer also appears on top-ten lists in several states. Of course, you can enjoy lower premiums by avoiding those particular vehicles.

Customer Statistics

Top 5 Insurance Companies

Coverage Type

  • State Farm
    8%
  • Geico
    8%
  • Progressive
    7%
  • Allstate
    6%
  • Farmers
    3%

Male Vs. Female (percent)

Average Age (years)

55 Male
45 Female
42

Credit Score

Education

Important Factors

  • Price
    51%
  • Coverage options
    30%
  • Customer service
    13%
  • You don't care, you just need car insurance
    6%

So-So Safety Ratings Affect Policy Costs

It is surprising to note that some of Ford's most popular vehicles have less-than-stellar safety ratings from the Insurance Institute for Highway Safety and the U.S. government. The Edge for example, received three stars out of five from the U.S. government in some crash tests. The Mustang received a few "Good" ratings from the IIHS, but it also received several "Acceptable" and "Marginal" ratings as well. The Focus fared quite well and received across-the-board "Good" ratings from the IIHS and four- and five-star ratings from the government.

The average cost to cover the following popular models includes:

  • Edge SE 4-Cylinder - $1,213.00
  • Focus SE Sedan 4-Cylinder - $1,309.00
  • Mustang Coupe 6-Cylinder - $1,433.00

Fords For Sale

Are you looking to purchase a Ford vehicle and want to know how much it will cost to insure before the big purchase? Start by browsing our comprehensive vehicle inventory.

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