Key takeaways

• Grange, Mercury and AAA offer the most affordable Ford car insurance.
• Ford’s larger vehicles with high horsepower and luxury models may be more expensive to insure than other, lower-profile cars.
• If you’re planning to buy a new Ford, leave room in your budget for monthly, semi-annual or annual car insurance costs.

From joy rides in a Ford Mustang to family adventures in an Explorer, Ford offers a wide ranging collection to fit many lifestyles. If you drive an F-Series Ford truck, you’re in good company — it’s been the best-selling vehicle in the United States for over 40 years.

But Ford Motor Company’s history dates back long before that. Its Model T — dubbed the Tin Lizzie — was the car that put the country on wheels. Decades later, the Mustang became a symbol of American muscle car culture and an instant classic.

Today, the company focuses primarily on SUVs and trucks — bigger cars that can be more expensive to insure than the average sedan, but not always. Whether you’re preparing to shop for a new SUV or looking for coverage on your pickup truck, compare several car insurance quotes to find the best rate.

Average Ford car insurance costs

Ford car insurance costs an average of $245 per month, according to Jerry’s data analysis of full coverage rates. Minimum coverage costs an average of $130 per month.

Here are average rates, by Ford model, that Jerry customers have been quoted for full coverage car insurance.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

If you aren’t required to get full coverage insurance and would rather stick to buying your state’s minimum coverage requirements instead, here are average minimum coverage rates for Ford models based on quotes for Jerry customers.

Factors that affect Ford car insurance costs 

Your insurance premium is determined by a number of different factors, including your Ford vehicle’s age and whether it’s a sedan, SUV or truck. Insurers also use your driving record, location, age and desired coverage level to calculate your rate.

Here are some vehicle features  that can affect your premium:

• Safety features: Ford models with superior safety ratings, like the IIHS safety pick Mustang Mach-E 4-door SUV, can cost less to insure than other models with lower safety ratings.
• Vehicle value: Valuable cars cost more to insure, which is why high-performance models like the Mustang GT can have high insurance rates.
• Vehicle class: Compact SUVs are typically the least expensive to insure, while sports cars, large sedans, and electric or hybrid vehicles usually cost more.
• Engine size: Vehicles with larger engines and more horsepower are associated with a higher risk of speeding and accidents, thereby increasing coverage costs.
• Availability of replacement parts: If you drive a Ford model with parts that are difficult or expensive to replace — like a hybrid, electric vehicle or a vintage model — your insurance premium may be higher.

About Ford’s own insurance company

Ford doesn’t sell its own car insurance. Instead, Ford sells car insurance through Ford Insure, which functions as an insurance agency that’s managed by Alset Insurance Services. If you buy an auto policy through Ford Insure, it will be underwritten by either Incline Property & Casualty Company or Redpoint Casualty Mutual. Ford Insure is currently only available to drivers in Oklahoma and Texas.

Ford Insure policies can be customized with common coverage types. They also automatically include rental car reimbursement and coverage for original equipment manufacturer (OEM) parts if your vehicle is damaged in a covered accident.

Average cost of Ford car insurance, by state

Car insurance premiums differ from one state to the next, even for the same exact vehicle. That’s because every state requires its own minimum car insurance requirements, Plus, driving risks may be higher in some states due to the number of drivers on the road, frequency of accidents or theft and the risk of natural disasters. 

Here’s a rundown of Ford car insurance rates by state.

Best companies for Ford car insurance

Every year, Jerry’s editorial team evaluates the best car insurance companies based on a number of industry rating factors. These include things like combined subsidiary complaints and the insurer’s financial strength when it comes to paying out future claims. 

Here are our top companies for 2025 and the ratings they have been assigned.

While these companies might be a good fit for many drivers, some are only available in select states, and some companies have a better record in certain states over others. Check out the chart below if you want to see the best car insurance companies in your state.

Cheapest Ford car insurance

The cheapest Ford car insurance comes from Grange at an average of $86 per month, according to Jerry’s data analysis of full coverage rates.

Here are the cheapest car insurance companies for Ford vehicles with full coverage.

While full coverage auto insurance isn’t the absolute cheapest option, it’s usually the wisest, unless you can afford to repair or replace your vehicle if it’s damaged or stolen.

Learn more: Liability vs. full coverage insurance

The cheapest coverage will be the minimum coverage required to drive legally in your state. But this typically only provides liability insurance so you and your car won’t be covered in an at-fault accident or hit-and-run. Also, liability-only coverage limits may not be high enough to cover the entirety of costs for injuries or property damage you cause in a crash.

Here are the cheapest car insurance companies for Ford vehicles with minimum coverage.

Ford F-150 car insurance costs

The average cost to insure a Ford F-150 with full coverage in 2025 is $301 per month, according to quote data from real Jerry customers.

Among Ford’s most popular vehicles, the F-150 is lightweight for a full-size pickup truck. It comes in several models from the XL, which starts at $38,810 MSRP, to the Raptor, which starts at $79,005 MSRP. One of the most popular models, the Lariat, comes in at $63,360 MSRP, according to the manufacturer.

The F-150’s size, weight, towing capacity and robust horsepower on the larger models contribute to higher insurance costs. However, the F-150 has some safety features that could help keep rates low. The pickup is equipped with an anti-theft alarm, a post-crash alert system and four-wheel anti-lock brakes. Lariat and Raptor trims also have rain-sensing windshield wipers, a rear view camera and blind spot monitoring that includes a trailer, if you’re towing one.

Here are the average rates that insurers have quoted F-150 drivers for full coverage.

Ford Explorer insurance costs

The average cost to insure a Ford Explorer with full coverage in 2025 is $311 per month, according to Jerry’s quote data.

The Explorer is a versatile, mid-size SUV ideal for families and travelers. A smaller, more affordable alternative to the Expedition, the Explorer includes three rows of seating and plenty of cargo space.

Explorer models range from $39,855 MSRP for the Active model up to $54,260 for the ST. The family-friendly vehicle comes equipped with a safety canopy for additional protection in an accident and auto hold to keep the vehicle from rolling when the brake is released. The anti-theft system and perimeter alarm come standard, which may also help keep insurance costs low.

Here are the average rates that insurers have quoted Explorer drivers for full coverage.

Ford Mustang insurance costs

The average cost to insure a Ford Mustang with full coverage in 2025 is $452 per month, according to Jerry’s data.

The Mustang, an American classic, is consistently one of the country’s best-selling sports cars. The first generation was boxier with a rounded back and though the Pony Car has seen several generations of upgrades, the iconic long hood and short deck remains. The starting rate for a new Mustang is between $31,920 and $69,375 MSRP, with the high-performance, eight-cylinder, manual models at the high end of the spectrum.

Several factors help determine a new Mustang’s car insurance costs — choosing one with a low starting price can keep costs low, but customizations will drive rates up; most sports cars are pricey to insure, but choosing a model with less horsepower could earn you savings.

Here are the average rates that insurers have quoted Mustang drivers for full coverage.

Ford Bronco insurance costs

The average cost to insure a Ford Bronco with full coverage in 2025 is $315 per month, according to Jerry’s quote data.

Broncos are made for trips outdoors. The vehicle’s high ground clearance and ability to handle more than two feet of standing water make it ideal for trips over mountains and streams, while the terrain management system allows the Bronco to drive through mud, rock, sand and ice.

The 2025 Bronco Base starts at $38,995 MSRP, while the most expensive option, the Raptor, comes in at $79,995 MSRP, according to the manufacturer. On the low end, the price is comparable to the Toyota Land Cruiser and Jeep Wrangler, but few non-luxury 4×4 SUVs reach $80,000 or more.

The Bronco is a big, durable, powerful vehicle, making it safe for drivers and passengers, but also meaning it could cause serious damage in an accident. Though it’s designed to move through rough terrain, there’s also a better chance that a Bronco will take damage from wildlife than commuter cars.

Here are the average rates that insurers have quoted Bronco drivers for full coverage.

How to shop for the right auto insurance for your Ford

When shopping for Ford car insurance, choose a policy that protects you, your passengers, and your vehicle — full coverage is often the best option. Adding comprehensive, collision, medical payments (MedPay) and uninsured/underinsured motorist (UM/UIM) coverage can help safeguard you against any number of unexpected losses.

While buying state-minimum coverage will protect you against liability and meet the basic insurance requirements for your state, it is just that: the bare minimum. Keep in mind that this coverage won’t extend to your own vehicle if it’s damaged or stolen, and you also can’t tap minimum liability coverage for repairs if you’re involved in an at-fault accident.

You could also consider adding features like roadside assistance, new car replacement or rental car coverage. If you still have a loan or lease, gap insurance can help cover the difference between the remaining balance owed and your totaled vehicle’s actual cash value (ACV).

When shopping for a policy and comparing quotes, also be sure that you’re matching apples to apples. Always compare the same liability limits and check that all of your discounts have been applied. Also check that the deductibles are the same and that the amount you choose is something you could afford in a pinch.

Lastly, provide thorough and accurate information when requesting quotes. This helps you get the most reliable and accurate estimates.

MEET OUR EXPERTS

Stephanie Colestock

Stephanie Colestock is a seasoned writer 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, credit and debt management, banking, investing, retirement planning, and household finances.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, 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 helping individuals make smarter financial decisions through her engaging and well-researched articles.

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Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

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Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.