Ford Maverick Insurance Cost
Full coverage for a Ford Maverick costs about $1,485 a year ($124/month) by our estimate — ▼ −7% versus the average vehicle, ranking 87th cheapest of 310 current models.
Ford Maverick insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2022–2026 model years of the Ford Maverick.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $655 | $55 | $540–$775 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $950 | $79 | $780–$1,125 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,485 | $124 | $1,220–$1,755 |
What drives the cost of insuring a Ford Maverick
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Ford Maverick's results put our vehicle factor at 1.07× for liability, 0.81× for collision and 0.77× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 78 | Much better than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 72 | Much better than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 109 | Worse than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 114 | Worse than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 93 | Better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 94 | Better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (3)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Ford Maverick crew cab pickup | 78 | 72 | 109 | 114 |
| Ford Maverick crew cab pickup 4WD | 76 | 85 | 91 | 90 |
| Ford Maverick hybrid crew cab pickup | 70 | 73 | 92 | 91 |
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
- Safety: 4-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 27 NHTSA recall campaigns and 233 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Ford Maverick trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Maverick AWD | 4WD | 2.0L 4-cyl Turbo | 25 |
| Maverick FWD | FWD | 2.0L 4-cyl Turbo | 26 |
| Maverick HEV AWD | 4WD | 2.5L 4-cyl Hybrid | 37 |
| Maverick HEV FWD | FWD | 2.5L 4-cyl Hybrid | 38 |
| Maverick Lariat HEV AWD | 4WD | 2.5L 4-cyl Hybrid | 36 |
| Maverick Lobo AWD | 4WD | 2.0L 4-cyl Turbo | 24 |
| Maverick Tremor AWD | 4WD | 2.0L 4-cyl Turbo | 23 |
Ford Maverick insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid | 4WD, FWD | 23–38 | $1,485 |
| 2025 | 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid | 4WD, FWD | 23–38 | $1,460 |
| 2024 | 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid | AWD, FWD | 21–37 | $1,435 |
| 2023 | 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid | AWD, FWD | 21–37 | $1,410 |
| 2022 | 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid | AWD, FWD | 25–37 | $1,385 |
Ford Maverick insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Maverick page for that state.
Ford Maverick insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,805 | $2,615 | $4,085 | $340 |
| Young adult (22) | $1,050 | $1,520 | $2,375 | $198 |
| Adult in their 30s | $655 | $950 | $1,485 | $124 |
| Adult in their 50s | $605 | $875 | $1,365 | $114 |
| Senior (72) | $735 | $1,065 | $1,665 | $139 |
| 30s, one at-fault accident | $950 | $1,380 | $2,155 | $180 |
| 30s, DUI on record | $1,215 | $1,760 | $2,750 | $229 |
Ford Maverick vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Ford Maverick | $1,485 | 78 | 72 | — |
| Toyota Tacoma | $1,375 | 87 | 86 | Compare |
| Chevrolet Silverado 1500 | $1,725 | 94 | 90 | Compare |
| Nissan Frontier | $1,480 | 92 | 77 | Compare |
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Other Ford models
- Expedition $1,370/yr
- Explorer $1,400/yr
- Bronco $1,260/yr
- Bronco Sport $1,380/yr
- Escape $1,625/yr
- F-150 $1,580/yr
- Mustang $1,865/yr
- Mustang Mach-E $1,435/yr
- Ranger $1,275/yr
- F-150 Lightning $1,600/yr
- Edge $1,365/yr
- Transit Connect $1,425/yr
- EcoSport $1,340/yr
- GT $1,695/yr
- Transit $1,435/yr
- Fusion $1,355/yr
- Fiesta $1,305/yr
- Flex $1,285/yr
- Taurus $1,340/yr
- C-Max $1,305/yr
- Focus $1,280/yr
- E-Series $1,220/yr
- Crown Victoria $1,260/yr
- Explorer Sport Trac $1,240/yr
- Taurus X $1,190/yr
- Five Hundred $1,260/yr
- Freestar $1,135/yr
- Freestyle $1,190/yr
- Thunderbird $1,445/yr
Frequently asked questions
How much is insurance for a Ford Maverick?
We estimate about $1,485 a year ($124 a month) for full coverage and $655 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 7% less than the average vehicle.
Is the Ford Maverick expensive to insure?
HLDI insurance-loss data rates it at 78 for collision and 72 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.
Which state is cheapest to insure a Ford Maverick?
North Dakota has the lowest estimate (about $905 a year for full coverage) and Florida the highest (about $2,205).
What is the Ford Maverick's NHTSA safety rating?
The 2025 Ford Maverick earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Ford Maverick cheaper to insure than the Toyota Tacoma?
By our estimate the Ford Maverick costs about $1,485 a year versus $1,400 for the Toyota Tacoma, making the Toyota Tacoma cheaper to insure.
How much is Ford Maverick insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,085 a year at national-average rates by our estimate.
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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database