About $1,213 a year for full coverage on a national average — 16% less than the $1,438 average car. Insurers rate the Ford Crown Victoria at an index of 84 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2007-2009).
The premium isn't spread evenly across the Ford Crown Victoria: Property damage — damage you cause to other property — carries its highest loss index at 96, while Collision sits at 78. Those 18 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2011 Crown Victoria sells for a median $5,500, so a year of cover costs 22.1% of the car's value. Over 4 generations of data the index has fallen from 90 (2004-2006) to 84 (2007-2009). Calculated from 4 insurance-loss records and live US listing prices.
Why a Crown Victoria costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,213: Liability (BI + PD) $582 · Collision $340 · Comprehensive $146 · Other (UM / PIP) $146.
How it changed by generation
Insurance-loss index of the Crown Victoria across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Crown Victoria has become cheaper to insure over time (-6 points).
What a Crown Victoria costs by state
Where you park matters as much as what you drive. The Crown Victoria's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Crown Victoria est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Ford Crown Victoria's loss index of 84 — your own quote also depends on age, record, deductible and ZIP.
Ford Crown Victoria insurance — frequently asked
How much is insurance for a Ford Crown Victoria?
About $1,213 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 84 applied to the US average premium.
Why is the Crown Victoria expensive or cheap to insure?
For the Ford Crown Victoria the costliest area is Property damage at an index of 96, covering damage you cause to other property — against 78 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Ford Crown Victoria lands at 84, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 22.1% of what a 2011 Crown Victoria sells for — $1,213 against a median price of $5,500. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 22.1% the Crown Victoria sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Crown Victoria can differ by hundreds between two drivers.
How we work this out
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