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How Much is Ford Car Insurance?

Written by Katie Dee

Reviewed by Alyssa DiCrasto

Last updated: July 8th, 2026

The premium for your Ford could be anywhere from $2,200 to $3,400. To determine your exact rate, you must consider factors such as your age and location, as well as the specific model and year of your Ford.

What does it cost to insure my Ford?

Ford Insurance by Vehicle

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Insuring your Ford

Fords are well known for their reliability, innovation, and affordability, which is why they are one of the most popular car brands. However, insuring your Ford may still feel overwhelming. With so many insurance options out there, how can you be sure that you are getting the best rate?

That is where we come in!

There are several aspects to consider when trying to nail down the price you can expect to pay for Ford car insurance, such as the model, year, and trim level of your vehicle. Usually, newer models and those with a higher trim level will have more costly insurance premiums due to the higher cost of repairs and replacement parts.

What can I expect to pay to insure my Ford?

Insuring your vehicle can cost between $2,200 per year to $3,400 per year on average.

Remember, the exact price of your Ford car insurance may change depending on your age, location, driving history, or other personal factors. Additionally, the model and year of your car have a significant impact on insurance costs.

Your premium will also be impacted by the amount of coverage you want and the insurance company you choose. To get a better idea of what your rate will look like, you should consider your coverage limits and deductibles, and compare quotes from multiple insurance companies.

Take our short quiz to compare rates from top companies and get results in 30 seconds.

Ford insurance rates by model

The specific Ford model you own is an important factor when it comes to determining your insurance premium. Based on our research of the most popular 2023 base models, the cheapest Ford to insure is the Ford Transit Cargo XL while the most expensive model is the Ford F-450.

Insurance for popular Ford models

Ford offers a large range of vehicles, and the premium for each will be different. See the cost of insurance by model, trim level, model year, and insurance company for the most popular Ford models.

Ford F-150

This model gets around 18 miles per gallon and can go from 0-60 in about 8 seconds.

See how much it costs to insure a Ford F-150 >

Ford Bronco

This model gets around 18 miles per gallon and can go 0-60 in about 7 seconds.

See how much it costs to insure a Ford Bronco >

Ford Bronco Sport

This model gets around 26 miles per gallon and can go from 0-60 in about 7.5 seconds.

Ford Escape

This model gets around 27 miles per gallon and can go from 0-60 in 5.7 seconds.

See how much it costs to insure a Ford Escape >

Ford Edge

This model gets around 24 miles per gallon and can go from 0-60 in about 7 seconds.

See how much it costs to insure a Ford Edge >

Ford Mustang

This model gets around 25 miles per gallon on the highway and can go from 0-60 in 4.3 seconds.

See how much it costs to insure a Ford Mustang >

Ford F-450

This model is among the most expensive Fords to insure and gets about 12 miles per gallon and can go from 0-60 in 7 seconds.

See how much it costs to insure a Ford F-450 >

Ford F-250

This model gets around 14 miles per gallon and can go from 0-60 in 5.5 seconds.

See how much it costs to insure a Ford F-250 >

Ford F-350

This model gets around 25 miles per gallon on the highway and can go from 0-60 in 4.3 seconds.

See how much it costs to insure a Ford F-350 >

Ford Expedition

This model gets around 19 miles per gallon and can go from 0-60 in about 6 seconds.

See how much it costs to insure a Ford Expedition >

Ford Explorer

This model gets around 25 miles per gallon and can go from 0-60 in 6 seconds.

See how much it costs to insure a Ford Explorer >

Ford Ranger

This model gets around 27 miles per gallon and can go from 0-60 in about 6.5 seconds.

See how much it costs to insure a Ford Ranger>

Ford Transit Cargo 150

This model gets around 25 miles per gallon and can go from 0-60 in about 6.8 seconds.

See how much it costs to insure a Ford Transit Cargo 150 >

Ford Transit Crew 150

This model gets around 19 miles per gallon on the highway and can go from 0-60 in 6.8 seconds.

See how much it costs to insure a Ford Transit Crew 150 >

Ford Transit Connect Passenger

This model gets around 16 miles per gallon and can go from 0-60 in 10.5 seconds.

See how much it costs to insure a Ford Transit Connect Passenger>

Ford Transit Passenger 350

This gets around 16 miles per gallon and can go from 0-60 in about 7 seconds.

See how much it costs to insure a Ford Transit Passenger 350>

Ford Transit Cargo XL

This model gets around 17 miles per gallon and can go from 0-60 in about 7.5 seconds.

See how much it costs to insure a Ford Transit Cargo XL>

Cheapest car insurance companies for Ford

When you want to being sure that you are getting the best car insurance rates, it’s important to choose the right insurance company and compare all your options before making your final choice. Based on our research, we have compiled a list of the best and cheapest car insurance companies for Ford insurance below.

These companies provide coverage in a large portion of the United States, but may not be available near you. Be sure to also check local insurance companies who may offer lower rates for you.

progressive insurance
GEICO insurance

How much should I expect to pay to insure my Ford

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked questions

Are Fords expensive to insure?

Fords are generally considered inexpensive to insure compared to other vehicles. However, your exact rate will vary depending on details such as your age and location as well as the specific model and year of your Ford.

How much is insurance for a 2023 Ford Raptor?

According to our research, car insurance for a 2023 Ford Raptor is around $1,3202 per year or $110 per month.

How much is insurance on a 2023 F-150?

Our data shows that insurance on a 2023 F-150 costs around $2,020 per year. It is important to remember that your exact rate will vary based on your personal details.

Is insurance high on a Ford Bronco?

Insurance on a Ford Bronco is around $2,185 per year, which is just slightly more expensive than the national average for car insurance.

How much is insurance on a Ford Mustang?

According to our research, the Ford Mustang costs around $2,420 annually to insure. The price you will pay may vary.

Methodology

Rate Retriever estimates average rates using the thousands of results we generated for our users over the last 18 months. These results include estimated quotes from our insurance carrier partners and additional estimates based on public rate filings.

For the data on this page, we analyzed searches from insured drivers ages 25-75 who were searching for full coverage car insurance. These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.  

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a quicker form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links, buy a policy, or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide in our guides.Â