Over the past year, Jerry has helped 126,712 Ford drivers find reliable coverage and real savings. By analyzing thousands of Ford insurance policies, we know what owners are actually paying and what you can expect for each level of protection.
Competitive annual prices for Ford drivers are currently around:
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$807 for basic coverage.
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$2,070 for standard coverage.
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$2,377 for premium coverage.
These are just starting points, though. Your exact price will depend on which Ford you drive, your driving history, and where you live.
On average, Ford drivers pay between $1,838 and $4,354 annually for full coverage, with an average premium around $3,563. That’s close to the national average of $4,124, reflecting Ford’s balance of affordability, performance, and safety innovation.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage on your Ford car insurance. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Ford insurance with Jerry.
How much does Ford auto insurance cost?
Insurance costs vary, but Jerry makes it simple to see what Ford owners with your age, model, and driving record are paying today.
Recent quotes
Name | Date | Model | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
| Bertie, 24, Spokane, WA | 10/20/26 | Mustang | Sentry | Basic | $250 | 40% |
| Martha, 40, Lexington, KY | 10/20/26 | Explorer Police Inte | GEICO | Standard | $217 | 33% |
| Gordon, 30, Daly City, CA | 10/20/26 | C-Max Premium | Mercury | Basic + Full Coverage | $91 | 39% |
| Genevieve, 50, Flint, MI | 10/20/26 | Escape Titanium | Liberty Mutual | Basic + Full Coverage | $185 | 35% |
| Barry, 30, Oklahoma City, OK | 10/20/26 | F-150 | Bristol West | Preferred | $166 | 36% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even in the same ZIP code, two Ford drivers can pay very different prices. Jerry compares quotes from leading insurers to help you find strong, affordable coverage that fits your vehicle and budget.
Insurance costs for other makes
How much does insurance cost for each Ford model?
Ford’s lineup spans more ground than almost any other American brand, from the work-focused Maverick and F-150 to the performance-oriented Mustang and Bronco Raptor. And Ford insurance costs reflect that range. The most and least expensive Ford models to insure can differ by hundreds or more per month.
Find your model below to see current averages from Jerry drivers.
Model | Average monthly cost | Average annual cost |
|---|---|---|
| Econoline Van Super | $91 | $1,094 |
| E250 S-Duty | $97 | $1,164 |
| Tempo Gl | $118 | $1,421 |
| Mustang Cobra Gt | $121 | $1,447 |
| Escort Sport | $121 | $1,454 |
| Taurus Gl | $123 | $1,478 |
| F-Super Duty | $128 | $1,532 |
| Club Wagon Super E35 | $128 | $1,532 |
| Taurus G | $129 | $1,545 |
| F-150 Heritage Classic | $129 | $1,548 |
| Windstar | $130 | $1,557 |
| Econoline E150 Van | $131 | $1,577 |
| Windstar Wagon | $133 | $1,599 |
| Thunderbird LX | $134 | $1,610 |
| Econoline E350 Super Duty Wagon | $142 | $1,704 |
| Motorhome Chassis | $142 | $1,709 |
| Fusion Titanuim | $146 | $1,750 |
| Bronco II | $147 | $1,761 |
| Freestyle Limited | $147 | $1,763 |
| Mustang Cobra | $149 | $1,791 |
| Edge | $152 | $1,828 |
| Transit Connect Tita | $152 | $1,829 |
| Club Wagon E350 Hd | $154 | $1,848 |
| Freestar SEL | $158 | $1,891 |
| Mustang LX | $158 | $1,902 |
| Aerostar | $160 | $1,916 |
| Windstar SEL | $162 | $1,942 |
| Focus Sport | $167 | $2,003 |
| F100 | $168 | $2,017 |
| Club Wagon E150 | $169 | $2,031 |
| Contour | $170 | $2,036 |
| F-750 | $172 | $2,068 |
| F150 Ssv | $175 | $2,096 |
| F-250 | $177 | $2,130 |
| Explorer Sport Trac Xlt | $178 | $2,131 |
| F350 Srw Super Duty | $178 | $2,140 |
| Contour Svt | $180 | $2,163 |
| Freestar S | $180 | $2,165 |
| Contour SE | $182 | $2,181 |
| F-550 | $182 | $2,182 |
| F-350 | $185 | $2,219 |
| Explorer XL | $185 | $2,219 |
| Focus SE Comfort | $186 | $2,238 |
| Windstar SE | $187 | $2,245 |
| Freestar Ses | $188 | $2,260 |
| F150 Supercrew Harle | $189 | $2,262 |
| F150 Heritage | $190 | $2,280 |
| Focus Zts | $193 | $2,312 |
| Expedition | $193 | $2,318 |
| Focus Zx4 ST | $194 | $2,324 |
| Escort | $194 | $2,334 |
| Ranger Super Cab | $195 | $2,336 |
| Ranger | $195 | $2,344 |
| Explorer Sport Trac | $196 | $2,347 |
| Econoline E250 Van | $197 | $2,363 |
| Freestar SE | $197 | $2,370 |
| Windstar Limited | $198 | $2,379 |
| Explorer Postal | $199 | $2,393 |
| F-450 | $199 | $2,393 |
| Explorer Xls | $200 | $2,403 |
driving experience, marital status, address/zip code
What’s the best Ford car insurance?
From everyday sedans to high-performance trucks, Fords are built for dependability and versatility. Protecting your investment takes coverage that goes beyond the legal minimum and matches the strength and capability of your vehicle.
If you have a loan or lease on your Ford, your lender will require full coverage car insurance. Ford drivers may also need gap insurance, which can help you pay off your loan if your car is totaled.
Jerry recommends that Ford drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it’s smart protection for drivers.
No matter your insurer or budget, there are several options that can help protect your Ford. Here are some of the most common, what they cover, and why Ford owners choose them.
Higher liability limits
Fords are built tough, but that means at-fault accidents can be costly. Nearly half (45%) of Jerry Ford drivers choose higher-than-minimum coverage for stronger protection.
Full coverage
Comprehensive and collision coverage protect your Ford from theft, weather, and at-fault damage. Around 38% of Jerry Ford drivers carry full coverage for peace of mind on every road.
OEM parts coverage
Keeps your Ford running like new after a claim, with genuine parts and trained technicians. Typically available for vehicles between three and ten years old.
New car replacement
Replaces your Ford with a new one if it’s totaled early on. The F-150, Focus, and Fusion are some of the most commonly totaled cars and Mustangs top the list… so this coverage can really pay off.
Roadside assistance
Covers towing, lockouts, and jump-starts. New Fords include roadside assistance for up to five years, but many drivers extend it for continued protection.
Rental reimbursement
Covers the cost of a rental while your Ford is in the shop. Most insurers offer 30 to 45 days of coverage, depending on your state and policy.
Gap insurance
Pays off what’s left on your loan or lease if your Ford is totaled. About 39% of all drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates from jumping after your first at-fault accident. Without it, Ford drivers see average increases of about 29% and sometimes higher.
See coverage options for your Ford.
Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 smart ways Ford drivers can shop and lower insurance costs
Getting the right car insurance for a Ford means finding the sweet spot between protection and price. Whether you’re hauling, commuting, or exploring, Jerry helps Ford owners lower premiums without losing the coverage they need.
| How to save | Typical savings |
|---|---|
| Compare quotes | 33% to 56% among Ford drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Reward safe driving with telematics | 6% among Ford drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Compare quotes to get the best price
Not every insurer prices Ford coverage fairly. Some overestimate repair costs, while others don’t account for the brand’s reliability and wide range of models. The result is major price gaps for the same coverage.
Here’s where Ford drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | Ford drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 25% | 24% |
| Root | 13% | 23% |
| National General Value Program | 8% | 31% |
| Bristol West | 7% | 23% |
| Assurance America | 5% | 20% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Comparing quotes can save Ford drivers nearly a third on insurance premiums. Jerry shows live prices from top insurers so you can see who’s got the best deal.
Tip 2: Combine discounts to find more savings
Many Ford owners qualify for discounts that they never see, like safe driving, multi-vehicle, or home-and-auto bundles. But insurers don’t always apply them automatically.
Jerry digs into every available discount so you never miss out.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: See what other Ford drivers are choosing and adjust coverage
From the Bronco to the Explorer to the F-150, Ford vehicles are built for different needs… and their coverage should reflect that. Most owners choose more than state minimum coverage, especially for new models, then adjust deductibles or extras as their vehicles age.
Minimum
$67 – $162/mo
Offers the legal minimum limits, which vary by state.
Full
$135 – $324/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$136 – $335/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$160 – $392/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Ford drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend a minimum of 100/300/100 for strong protection without breaking the bank.
Tip 4: Use telematics for rates based on driving habits
Telematics programs track your driving habits through an app or plug-in device, adjusting your rates based on mileage and performance. For Ford drivers, especially those who drive less or handle their vehicle safely, these programs can lower premiums by an average of 6%, though many drivers will see even greater savings.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Ford drivers, real savings
Want to know how much drivers actually save on their Ford auto insurance? Here are real people, real cars and trucks, and the deals they found by comparing rates with Jerry.
Recent quotes
Customer | Model | Date | Insurer | Old rate | New rate | Savings |
|---|---|---|---|---|---|---|
| Bertie, 24, Spokane, WA | Mustang | 10/20/26 | Sentry | $4,956 | $2,996 | $1,960 |
| Martha, 40, Lexington, KY | Explorer Police Inte | 10/20/26 | GEICO | $3,900 | $2,606 | $1,294 |
| Gordon, 30, Daly City, CA | C-Max Premium | 10/20/26 | Mercury | $1,800 | $1,094 | $706 |
| Genevieve, 50, Flint, MI | Escape Titanium | 10/20/26 | Liberty Mutual | $3,396 | $2,217 | $1,179 |
| Barry, 30, Oklahoma City, OK | F-150 | 10/20/26 | Bristol West | $3,120 | $1,992 | $1,128 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Ford insurance costs can vary, but paying more than you should isn’t part of the deal. Whether you drive an F-150, Escape, or Mustang Mach-E, Jerry helps you find coverage that matches Ford’s promise: capable, dependable, and built for your lifestyle.
We compare top insurers, find every discount, and manage your renewals, so your protection stays as strong as your vehicle.
It only takes 2 minutes to sign up at Jerry.
FAQ
- Why is insurance on my Ford truck so expensive, and how can I lower it?
- Is a Ford Mustang expensive to insure as a sports car?
- How do I switch my insurance from one Ford to another?
- How much does it cost to insure a Ford?
- What is the cheapest full coverage for a Ford F-150?
- Does a Ford Bronco cost more to insure than a regular SUV?
- How does a Ford’s trim level affect my insurance rate?
- How much does it cost to insure a Ford Explorer?
- How much does it cost to insure a Ford Escape?
- How much does it cost to insure a Ford Ranger?
- How much does it cost to insure a Ford Expedition?
- How much does it cost to insure a Ford F-150?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
