Affordable Ford Auto Insurance Quotes (2023)
Those looking to find affordable Ford auto insurance quotes will need to compare rates to find the best deal, as rates vary by model. For example, full coverage auto insurance for a Ford Taurus costs around $149 per month. But you can expect to pay around $167 for a Ford Mustang.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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
Whether you’re looking for a brand new Mustang or want to secure better rates on classic Ford Bronco car insurance, you’ll get the most affordable Ford auto insurance quotes when you shop around online.
To help you locate the best auto insurance for your Ford, let’s talk through several options you should consider and compare Ford auto insurance quotes by model.
Comparing Ford Auto Insurance Coverage
Your Ford is more than just a shuttle to get you from A to B. In fact, if you don’t own your home, your vehicle may be your single largest financial asset.
If that’s the case, insuring it properly is imperative, as we’ll see below. Any given insurance company will offer you a slew of options. You may need a few, if not all, of them. Let’s take a look at some of the most common types of auto insurance coverage.
Liability Coverage
Required in most states, liability auto insurance is the foundation of all Ford insurance policies. Whether you cause an accident, a pile-up, run over a neighbor’s mailbox, or injure another party, your vehicle’s liability coverage steps in to protect you in some of the most common – and the most dangerous – situations.
Comprehensive Coverage
Comprehensive coverage may very well be a necessity to protect your Ford from vandalism and weather damage. For example, windshields commonly run north of $1,000 to replace, and many states waive auto 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
Since liability only pays for damages or injury to the other party’s person/vehicle in the event that you cause an accident, collision coverage is offered as a means of repairing or replacing your vehicle in the event of an at-fault accident.
Suppose you’ve still got payments to make, whether loan or lease. Your lienholder or lessee will often require comprehensive and collision coverage in order to protect their investment. If your Ford is paid off, neither is required, but both are worth looking into.
Underinsured Coverage
In many states, the required liability coverage you need to drive covers far less in property damage than would be necessary to replace your vehicle. Underinsured coverage steps in to make up the difference between the offending driver’s liability limit and the cost of the resulting property damage.
Find your auto insurance requirements by state.
Roadside Assistance
Affordable roadside assistance coverage can help with towing, locksmith services, and gas deliveries. Some companies offer an hour or more of on-site repairs, so compare multiple insurers to find the most affordable Ford auto insurance quotes.
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Comparing Ford Auto Insurance Quotes
Ford drivers should expect their car insurance rates to cost less than the national average, but quotes vary widely by model.
For instance, a Ford Mustang is a horsepower-packed sports car, and so it’ll be a far cry from the low price of Ford Fiesta car insurance. And if you drive a Bronco or F150 or need Ford Explorer car insurance, you can expect favorable premiums against other makes in the same model class.
| 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 |
Still, at the end of the day, the vehicle you drive is a single data point that factors into your cost. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture, too.
Find out how insurers calculate your auto insurance rates.
How to Save Money on Ford Auto Insurance
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 auto insurance discounts in mind to lower your auto insurance rates:
- Vehicle safety: Many Ford models come standard with high-tech safety features that may slash your premiums. Compare auto insurance quotes by VIN to increase the chances of earning a safety features discount.
- 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: Compare quotes for any other vehicles you own, too. Bundling multiple auto policies with the same company often garners one of the biggest discounts available.
- Multi-line: Whether it’s homeowners or life insurance, bundling policies of different types will save on each. Even if you don’t own a home, asking for a renters insurance quote with your auto quotes will be cheaper than buying only car insurance.
- Driver training: Maybe it’s been a while since you’ve taken a driver’s training course, but 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 an in-car device or downloading an app.
Many insurers allow you to rescind your entry into usage-based programs, so it’s worth a shot. Because the scores are based on unsafe driving habits, improving your score will save you more than money — it could save your life.
Which auto insurance company should you choose?
In truth, it depends. The cheapest car insurance can vary from place to place or person to person, even on the exact same vehicle. While price should always be a determining factor in which company you select, don’t let it be the sole measure. See which has the best rates but also the highest auto insurance company ratings.
Remember, any time you spend worrying about your car insurance coverage is time you don’t get back. In an emergency, who do you trust to address your needs quickly, help you secure a rental vehicle, or find the right body shop?
Use our guide to find the best affordable auto insurance companies near you.
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Final Words on Finding Affordable Ford Auto Insurance Quotes
Finding cheap car insurance can be easy, but getting affordable Ford auto insurance quotes you can trust takes a little more legwork. Deciding which insurance company will offer the best Ford auto insurance involves comparing rates by model, company, and driver.
Your personal preferences will also play a role in your rates. For instance, if you prefer interacting face-to-face, you may want to work with a company that has agents. If, however, you prefer to do business online or via an app, the reverse could be true. Use our comparison tool below to find the right Ford insurance company in your area.
Frequently Asked Questions
Are Ford cars cheaper to insure?
Ford cars are generally not expensive to insure compared to some luxury or high-performance vehicles. However, insurance costs can vary depending on factors such as the model of the Ford car, the driver’s age, driving history, location, and other personal details.
Is insurance high on a Ford F-150?
Insurance rates for Ford F-150 trucks are generally reasonable. The F-150 is a popular pickup truck known for its reliability and safety features. While insurance premiums can vary depending on factors such as the driver’s profile and location, the F-150 typically does not have significantly higher insurance costs compared to other similar trucks.
Is a Ford Mustang considered a sports car for insurance?
Yes, a Ford Mustang is typically considered a sports car for insurance purposes. Sports cars are often associated with higher insurance premiums due to their higher performance capabilities and increased risk of accidents or theft.
Does Ford Motor Company offer car insurance?
Yes, Ford Motor Company offers car insurance through a partnership with Nationwide. Ford’s insurance program, known as Ford Insure, provides coverage options specifically tailored for Ford vehicle owners.
Can I save money on Ford auto insurance?
Yes, there are several ways to potentially save money on Ford auto insurance. Here are some tips:
- Compare quotes from multiple insurance providers to find the best rates
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in your Ford vehicle
- Maintain a clean driving record and consider taking defensive driving courses to improve your eligibility for lower rates
- Opt for higher deductibles if you can afford to pay more out of pocket in the event of a claim.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to potentially qualify for additional discounts
- Ask your insurance provider if they offer usage-based programs that track your driving habits and offer potential discounts based on safe driving behavior
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.