Buy Cheap Ford Auto Insurance in (2024)

Ford has numerous different models, all of which will vary slightly in what cheap Ford auto insurance rates they offer. If you choose a more expensive Ford model, it will cost a little more to insure than a cheaper model. Your Ford car insurance rates will also depend upon your driving record, choice of an insurance company, and other factors.

If you want to learn all about how to find cheap Ford auto insurance, whether you already own a Ford or are looking to buy one, read on. We go over everything you need to know about the best Ford auto insurance and how to buy cheap auto insurance.

Types of Ford Auto Insurance

When deciding what coverages you’ll need for your Ford, the first thing to do is check your state’s mandated coverages. You can read our guide on the minimum auto insurance required by state to see what your state requires. Usually, states will require some combination of the following types of auto insurance coverage listed below.

• Bodily injury liability insurance: This type of liability auto insurance will pay for another party’s medical bills, up to the policy limit, if you hit another car and injure people.
• Medical payments (MedPay) insurance: This insurance will help pay for your medical bills, up to the policy limit, if you or your passengers suffer injuries in a car accident.
• Personal injury protection (PIP) insurance: This coverage helps pay for your medical bills, lost wages, and other injury-related costs if you or your passengers are injured in a car accident. Learn more: Buying Personal Injury Protection (PIP) Auto Insurance Coverage
• Property damage liability insurance: This coverage covers other parties’ repair bills if you hit another car or hit an object and damage it.
• Underinsured motorist insurance: This coverage will help cover your accident bills if the driver who hit your car doesn’t have enough insurance to cover your costs completely.
• Uninsured motorist auto insurance: This coverage will pay your bills up to the policy limit if the driver who hit your car doesn’t have auto insurance (read more: Buying Uninsured Motorist (UM) Coverage).

All other auto insurance coverages are optional, with the exception of if you have a lease or loan on your vehicle. Then, your lender will require you to carry comprehensive and collision insurance, which we generally recommend most drivers carry anyways.

These two coverages are important because they cover your own car’s repairs, which state-mandated liability insurance does not. Collision car insurance will pay for your Ford’s repairs if you hit another car with your Ford or hit an object and damage it. On the other hand, comprehensive car insurance will cover your Ford’s repairs after damages from animal collisions, falling objects, vandalism, and weather.

Average Ford Auto Insurance Rates

So how much will all the coverages you need to carry on your Ford cost? Below, you can see the average liability, comprehensive, and collision insurance rates based on different Ford models.

Ford Average Monthly Auto Insurance Rates by Model and Coverage Type

Is Ford Mustang considered a sports car for insurance? One of the more expensive Ford models to insure is the Ford Mustang, as it is a sports car and therefore considered a higher risk to insure by companies. Ford models that are generally cheaper to insure will include the Ford Escape and Ford Fiesta, neither of which is a sports car.

In addition to which Ford model you choose, insurance companies will also consider your age and driving record. Below, you can see average rates for Ford models based on these factors.

Ford Average Monthly Auto Insurance Rates by Model, Driving Record and Age

Drivers with poor driving records and younger drivers are charged more on average for Ford auto insurance because insurance companies view them as higher-risk drivers who are more likely to file an auto insurance claim. Young drivers lack driving experience, and drivers with traffic tickets, DUIs, and at-fault accidents are more likely to file claims.

How to Save on Ford Auto Insurance

So what can you do to lower your Ford auto insurance rates? Some of your saving options are as follows:

• Bundle your auto insurance with another insurance. Most insurance companies let you bundle your auto insurance with another insurance, like home insurance, for a bundling discount.
• Increase your insurance deductibles. Insurance companies lower rates if you increase your auto insurance deductible, although make sure you will still be able to pay the deductible out-of-pocket.
• Maintain a low annual mileage. Drivers who drive fewer than 10,000 miles annually are often rewarded with low rates or a low-mileage auto insurance discount for being on the road less means a lower likelihood of crashing and filing a claim.
• Maintain a clean driver’s record. Insurance companies will charge less for drivers with driving records free of DUIs, traffic tickets, and at-fault accidents.

Another major saving tip is to shop around for auto insurance quotes for your Ford. Companies are always competing with each other to offer the lowest rates. Companies can also change rates drastically if you change your address, add a car, get a ticket, or have other major changes to your policy. So a company that was the cheapest for your Ford a year ago may no longer be the best company for you.

The Final Word on Ford Auto Insurance

It is usually fairly inexpensive to insure the majority of Ford models, but rates will depend on your driving record and other factors. If you find your Ford rates too high, make sure you apply for auto insurance discounts and shop around for Ford car insurance quotes.

To jump right into finding the cheapest auto insurance for your Ford, use our free quote comparison tool to get Ford auto insurance quotes. It will compare rates from companies in your area based on your coverage needs to help you buy the best cheap Ford auto insurance.