Ford Insurance Cost
Across 10 current Ford models, full coverage averages about $1,468 a year by our estimate — −8% versus the average vehicle ($1,590).
Ford insurance profile
Ford’s lineup is made up mostly of 3 midsize suvs, 3 pickup trucks, and 2 small suvs. HLDI collision losses for its models average 94 (100 = all-vehicle average).
Every Ford model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Bronco | Midsize SUV | 2021–2026 | 55 | $1,260 | −21% |
| Ranger | Pickup truck | 2005–2026 | 80 | $1,275 | −20% |
| Expedition | Large SUV | 2005–2027 | 92 | $1,370 | −14% |
| Bronco Sport | Small SUV | 2021–2026 | 74 | $1,380 | −13% |
| Explorer | Midsize SUV | 2005–2027 | 85 | $1,400 | −12% |
| Mustang Mach-E | Midsize SUV | 2021–2026 | 104 | $1,435 | −10% |
| Maverick | Pickup truck | 2022–2026 | 78 | $1,485 | −7% |
| F-150 | Pickup truck | 2005–2026 | 92 | $1,580 | −1% |
| Escape | Small SUV | 2005–2026 | 95 | $1,625 | +2% |
| Mustang | Sports car | 2005–2026 | 184 | $1,865 | +17% |
Older and discontinued Ford models
- F-150 Lightning 2022–2025
- Edge 2007–2024
- Transit Connect 2010–2023
- EcoSport 2018–2022
- Transit 2015–2022
- GT 2005–2022
- Fusion 2006–2020
- Fiesta 2011–2019
- Flex 2009–2019
- Taurus 2005–2019
- C-Max 2013–2018
- Focus 2005–2018
- E-Series 2005–2014
- Crown Victoria 2005–2011
- Explorer Sport Trac 2005–2010
- Taurus X 2008–2009
- Five Hundred 2005–2007
- Freestar 2005–2007
- Freestyle 2005–2007
- Thunderbird 2005–2005
What makes Ford insurance cost more or less
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Theft: F-150 (#7) on the NICB national most-stolen list push comprehensive premiums up.
- Claims history: HLDI collision indices across 10 models range from 55 to 184, so the model you pick matters as much as the brand.
- Segment mix: 3 midsize suv, 3 pickup truck, 2 small suv, 1 large suv, 1 sports car.
Average Ford insurance cost by state
Average full-coverage estimate across current Ford models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $951 | −35% |
| North Dakota | $955 | −35% |
| Vermont | $970 | −34% |
| Idaho | $1,012 | −31% |
| Iowa | $1,012 | −31% |
| Wisconsin | $1,019 | −31% |
| Hawaii | $1,030 | −30% |
| Indiana | $1,060 | −28% |
| New Hampshire | $1,063 | −28% |
| Ohio | $1,066 | −27% |
| North Carolina | $1,114 | −24% |
| South Dakota | $1,138 | −22% |
| Wyoming | $1,163 | −21% |
| Montana | $1,188 | −19% |
| Kansas | $1,191 | −19% |
| Nebraska | $1,193 | −19% |
| Tennessee | $1,239 | −16% |
| Minnesota | $1,244 | −15% |
| West Virginia | $1,245 | −15% |
| Kentucky | $1,254 | −15% |
| Virginia | $1,282 | −13% |
| Illinois | $1,294 | −12% |
| Washington | $1,298 | −12% |
| Alabama | $1,299 | −11% |
| Pennsylvania | $1,303 | −11% |
| Alaska | $1,306 | −11% |
| Arkansas | $1,315 | −10% |
| New Mexico | $1,338 | −9% |
| Oregon | $1,338 | −9% |
| Oklahoma | $1,341 | −9% |
| Utah | $1,352 | −8% |
| Missouri | $1,353 | −8% |
| Mississippi | $1,426 | −3% |
| California | $1,465 | 0% |
| Massachusetts | $1,467 | 0% |
| Arizona | $1,563 | +7% |
| Connecticut | $1,585 | +8% |
| South Carolina | $1,592 | +8% |
| Michigan | $1,625 | +11% |
| Delaware | $1,662 | +13% |
| Maryland | $1,672 | +14% |
| Colorado | $1,690 | +15% |
| Nevada | $1,711 | +17% |
| Texas | $1,765 | +20% |
| New Jersey | $1,796 | +22% |
| Rhode Island | $1,800 | +23% |
| Georgia | $1,845 | +26% |
| District of Columbia | $1,880 | +28% |
| New York | $1,999 | +36% |
| Louisiana | $2,062 | +41% |
| Florida | $2,127 | +45% |
Frequently asked questions
How much does it cost to insure a Ford?
Across 10 current Ford models, our full-coverage estimate averages $1,468 a year for a driver in their 30s with a clean record, 8% less than the average vehicle ($1,590).
What is the cheapest Ford to insure?
The Ford Bronco has the lowest estimate at about $1,260 a year for full coverage; the Ford Mustang is the most expensive at about $1,865.
Are Ford repairs expensive for insurers?
HLDI collision-loss data for 10 Ford models averages 94 (100 = average of all vehicles), which is better than average. Collision losses combine how often claims happen and how much repairs cost.
Are Ford vehicles often stolen?
the Ford F-150 (#7) appear on the NICB national most-stolen list, which raises comprehensive premiums.
Where is it cheapest to insure a Ford?
By our estimates, Maine is the cheapest state (about $951 a year on average across current models) and Florida the most expensive (about $2,127).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.