How much Ford insurance costs
Insuring a Ford costs about $1,287 a year for a typical model at the US average — below average — cheaper than most brands. The cheapest is the E-350 (~$951/yr), the priciest the Ecosport (~$1,957/yr). Your own rate shifts with your state, age and record — but the model you pick sets the baseline.
INSURANCE / TYPICAL
$1,287
typical Ford / year
CHEAPEST
E-350
cheapest to insure ($951)
PRICIEST
Ecosport
priciest to insure ($1,957)
COVERAGE
32
Ford models with data
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Ford insurance cost by model
Estimated annual premium for every Ford model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page.
FIG.01
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| E-350 | $951/yr | 66% of avg | Cheap |
| Freestyle | $1,002/yr | 70% of avg | Cheap |
| Five Hundred | $1,015/yr | 71% of avg | Cheap |
| Transit | $1,020/yr | 71% of avg | Cheap |
| Taurus X | $1,021/yr | 71% of avg | Cheap |
| Ranger | $1,038/yr | 72% of avg | Cheap |
| Bronco | $1,113/yr | 77% of avg | Cheap |
| F-350 | $1,148/yr | 80% of avg | Cheap |
| Freestar | $1,166/yr | 81% of avg | Cheap |
| Expedition | $1,211/yr | 84% of avg | Cheap |
| Crown Victoria | $1,212/yr | 84% of avg | Cheap |
| F-250 | $1,232/yr | 86% of avg | Cheap |
| Explorer | $1,235/yr | 86% of avg | Cheap |
| Maverick | $1,235/yr | 86% of avg | Cheap |
| Explorer Sport Trac | $1,244/yr | 87% of avg | Cheap |
| Bronco Sport | $1,255/yr | 87% of avg | Cheap |
| Flex | $1,287/yr | 90% of avg | Cheap |
| Transit Connect | $1,291/yr | 90% of avg | Cheap |
| Edge | $1,309/yr | 91% of avg | Cheap |
| Expedition EL | $1,320/yr | 92% of avg | Cheap |
| Expedition MAX | $1,343/yr | 93% of avg | Average |
| F-150 | $1,345/yr | 94% of avg | Average |
| Focus | $1,345/yr | 94% of avg | Average |
| Escape | $1,352/yr | 94% of avg | Average |
| Mustang Mach-E | $1,362/yr | 95% of avg | Average |
| Fiesta | $1,494/yr | 104% of avg | Average |
| C-Max | $1,503/yr | 105% of avg | Average |
| Mustang | $1,590/yr | 111% of avg | Average |
| Fusion | $1,641/yr | 114% of avg | Pricey |
| Taurus | $1,690/yr | 118% of avg | Pricey |
| F-450 | $1,714/yr | 119% of avg | Pricey |
| Ecosport | $1,957/yr | 136% of avg | Pricey |
ROWS 32·SOURCE HLDI × NAIC
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Cheapest Fords to insure
The Ford models that cost the least to insure at the US average.
Most expensive Fords to insure
The priciest Fords to insure — usually the most powerful and costly to repair.
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Ford insurance cost by state — all 50
Where you live moves a Ford premium as much as which model you pick. A typical Ford (index 90) runs about $1,784/yr in Florida but only $829/yr in Maine — a swing of over $955 on the same car.
Estimated annual premium for a typical Ford in every state, priciest first.
FIG.04
| State | Typical Ford / yr | vs US average |
|---|---|---|
| Florida | $1,784/yr | +39% vs US |
| Louisiana | $1,771/yr | +38% vs US |
| New York | $1,697/yr | +32% vs US |
| District of Columbia | $1,627/yr | +26% vs US |
| Georgia | $1,563/yr | +21% vs US |
| Texas | $1,546/yr | +20% vs US |
| Rhode Island | $1,530/yr | +19% vs US |
| New Jersey | $1,515/yr | +18% vs US |
| Colorado | $1,481/yr | +15% vs US |
| Maryland | $1,434/yr | +11% vs US |
| Nevada | $1,432/yr | +11% vs US |
| Michigan | $1,407/yr | +9% vs US |
| Delaware | $1,404/yr | +9% vs US |
| South Carolina | $1,357/yr | +5% vs US |
| Connecticut | $1,350/yr | +5% vs US |
| Arizona | $1,346/yr | +5% vs US |
| California | $1,268/yr | -1% vs US |
| Massachusetts | $1,265/yr | -2% vs US |
| Mississippi | $1,248/yr | -3% vs US |
| Oklahoma | $1,186/yr | -8% vs US |
| Missouri | $1,184/yr | -8% vs US |
| New Mexico | $1,165/yr | -9% vs US |
| Arkansas | $1,160/yr | -10% vs US |
| Utah | $1,150/yr | -11% vs US |
| Pennsylvania | $1,140/yr | -11% vs US |
| Alabama | $1,135/yr | -12% vs US |
| Oregon | $1,135/yr | -12% vs US |
| Alaska | $1,130/yr | -12% vs US |
| Illinois | $1,125/yr | -13% vs US |
| Virginia | $1,108/yr | -14% vs US |
| Washington | $1,105/yr | -14% vs US |
| West Virginia | $1,099/yr | -15% vs US |
| Minnesota | $1,095/yr | -15% vs US |
| Tennessee | $1,084/yr | -16% vs US |
| Kentucky | $1,081/yr | -16% vs US |
| Nebraska | $1,059/yr | -18% vs US |
| Montana | $1,059/yr | -18% vs US |
| Kansas | $1,058/yr | -18% vs US |
| Wyoming | $1,056/yr | -18% vs US |
| South Dakota | $1,036/yr | -20% vs US |
| North Carolina | $981/yr | -24% vs US |
| Ohio | $929/yr | -28% vs US |
| New Hampshire | $924/yr | -28% vs US |
| Indiana | $924/yr | -28% vs US |
| Iowa | $904/yr | -30% vs US |
| Wisconsin | $895/yr | -30% vs US |
| Hawaii | $893/yr | -31% vs US |
| Idaho | $878/yr | -32% vs US |
| North Dakota | $860/yr | -33% vs US |
| Vermont | $857/yr | -33% vs US |
| Maine | $829/yr | -36% vs US |
ROWS 51·SOURCE NAIC × HLDI
Estimate a specific Ford model in your state →
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Ford insurance cost by year
A typical Ford costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Ford premium by year (US average):
FIG.05
| Year | Typical Ford / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
ROWS 5·SOURCE NAIC
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
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Ford insurance — FAQ
Is Ford expensive to insure?
Ford is below average — cheaper than most brands to insure — a typical model runs about $1,287/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less.
What is the cheapest Ford to insure?
The E-350 is the cheapest Ford to insure in our data — around $951/yr at the national average, about 34% below a typical car.
What is the most expensive Ford to insure?
The Ecosport is the priciest Ford to insure — roughly $1,957/yr, about 36% above the average car.
How much is insurance on a Ford per month?
A typical Ford costs about $107/month at the US average for full coverage. It varies by exact model, your state, age and driving record.
How is this Ford estimate calculated?
We combine each Ford model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.
Insurance-cost estimates for Ford computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC average premiums (2023). Estimates assume a typical driver with full coverage; your quote varies with age, record, credit, ZIP and coverage. For research and comparison, not a quote. Reviewed by Denis Kataev, founder of ForCar.
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