About $1,015 a year for full coverage on a national average — 29% less than the $1,438 average car. Insurers rate the Ford Five Hundred at an index of 71 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2005-2007).
The premium isn't spread evenly. Comprehensive — theft, weather, vandalism, animals — carries this car's highest loss index at 86, while Property damage sits at 65. That gap is the real reason behind the price, and it's the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2006 Five Hundred sells for a median $3,000, so a year of cover costs 33.8% of the car's value. Calculated from 4 insurance-loss records and live US listing prices.
Why a Five Hundred 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 $1,015: Liability (BI + PD) $487 · Collision $284 · Comprehensive $122 · Other (UM / PIP) $122.
What a Five Hundred costs by state
Where you park matters as much as what you drive. The Five Hundred's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Five Hundred 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 this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Ford Five Hundred
Ford Five Hundred insurance — frequently asked
How much is insurance for a Ford Five Hundred?
About $1,015 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 71 applied to the US average premium.
Why is the Five Hundred expensive or cheap to insure?
Its costliest area is Comprehensive (index 86), which covers theft, weather, vandalism, animals. Insurers set premiums from claim history like this, not from the sticker price.
Is that a lot relative to the car's value?
A year of cover is 33.8% of what a 2006 Five Hundred sells for (a median $3,000). Cheap cars often show a higher percentage even when the dollar premium is lower.
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 Five Hundred can differ by hundreds between two drivers.