About $1,003 a year for full coverage on a national average — 30% less than the $1,438 average car. Insurers rate the Ford Freestyle at an index of 70 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 across the Ford Freestyle: Property damage — damage you cause to other property — carries its highest loss index at 76, while Collision sits at 66. Those 10 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 2005 Freestyle sells for a median $3,300, so a year of cover costs 30.4% of the car's value. Calculated from 4 insurance-loss records and live US listing prices.
Why a Freestyle 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 $1,003: Liability (BI + PD) $481 · Collision $281 · Comprehensive $120 · Other (UM / PIP) $120.
What a Freestyle costs by state
Where you park matters as much as what you drive. The Freestyle's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Freestyle 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 Freestyle's loss index of 70 — your own quote also depends on age, record, deductible and ZIP.
Ford Freestyle insurance — frequently asked
How much is insurance for a Ford Freestyle?
About $1,003 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 70 applied to the US average premium.
Why is the Freestyle expensive or cheap to insure?
For the Ford Freestyle the costliest area is Property damage at an index of 76, covering damage you cause to other property — against 66 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Ford Freestyle lands at 70, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 30.4% of what a 2005 Freestyle sells for — $1,003 against a median price of $3,300. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 30.4% the Freestyle 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 Freestyle can differ by hundreds between two drivers.
How we work this out
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