Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Ford has always been a company that prides itself on its cars' versatility and quality. In terms of price, most Ford models fall in the middle of the chart, and same goes for the insurance rates. The average annual car insurance rate for all 2023 Ford models combined is $2,109 for a 40-year-old driver.
Average Ford car insurance cost by model
One of the main factors that influence your auto insurance rates is the Ford model you choose. Ford Maverick and Transit are some of the cheapest models to insure in comparison to F-450. On average, it costs $3,071 a year to insure a 2023 Ford F-450 for a 40-year-old driver.
| Year and model | Average annual premium |
|---|---|
| 2023 Ford Maverick | $1,761 |
| 2023 Ford Edge | $1,848 |
| 2023 Ford Transit | $1,851 |
| 2023 Ford Escape | $1,869 |
| 2023 Ford Ranger | $1,884 |
| 2023 Ford Bronco | $1,930 |
| 2023 Ford F-150 | $1,971 |
| 2023 Ford Explorer | $2,069 |
| 2023 Ford Expedition | $2,228 |
| 2023 Ford F-250 | $2,285 |
| 2023 Ford F-350 | $2,344 |
| 2023 Ford Mustang | $2,427 |
| 2023 Ford F-450 | $3,071 |
Choose Your Vehicle Model
Ford Edge insurance cost
- MSRP range- $32,750 - $43,600
- Trim levels- SE, SEL, ST-Line, Titanium and ST
- Annual average insurance cost- $1,848
The Ford Edge is a midsize SUV car, and it features all sorts of innovative technology to make driving easier. It is available in five trim packages and is the third cheapest Ford model to insure. The average Ford Edge insurance costs $1,848 per year for a 40-year-old driver.
The Insurance Institute for Highway Safety (IIHS) accorded 2020-2021 Ford Edge with the 'Top Safety Pick' in the midsize category. Even in the base form, Ford Edge is equipped with standard safety features to help you get a discount on your Ford Edge insurance.
Here you can find the average insurance rates for different editions of Ford Edge, rates by copmany and rates by state.
| Year and model | Average annual premium |
|---|---|
| 2023 Ford Edge | $1,848 |
| 2022 Ford Edge | $1,536 |
| 2021 Ford Edge | $1,472 |
| 2020 Ford Edge | $1,485 |
| 2019 Ford Edge | $1,559 |
| 2018 Ford Edge | $1,557 |
| 2017 Ford Edge | $1,529 |
| 2016 Ford Edge | $1,495 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,308 | $109 |
| Nationwide | $1,507 | $126 |
| Geico | $1,548 | $129 |
| Progressive | $1,864 | $155 |
| Farmers | $2,158 | $180 |
| Allstate | $2,692 | $224 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $1,796 | 22% less |
| Alaska | $1,521 | 34% less |
| Arizona | $1,897 | 18% less |
| Arkansas | $1,959 | 15% less |
| California | $2,340 | 2% more |
| Colorado | $2,283 | 1% less |
| Connecticut | $1,720 | 25% less |
| Delaware | $2,027 | 12% less |
| Florida | $2,539 | 10% more |
| Georgia | $2,098 | 9% less |
| Hawaii | $1,327 | 42% less |
| Idaho | $1,336 | 42% less |
| Illinois | $1,689 | 27% less |
| Indiana | $1,562 | 32% less |
| Iowa | $1,597 | 31% less |
| Kansas | $1,801 | 22% less |
| Kentucky | $2,263 | 2% less |
| Louisiana | $2,797 | 21% more |
| Maine | $1,334 | 42% less |
| Maryland | $1,851 | 20% less |
| Massachusetts | $1,828 | 21% less |
| Michigan | $2,330 | 1% more |
| Minnesota | $1,834 | 20% less |
| Mississippi | $1,746 | 24% less |
| Missouri | $2,059 | 11% less |
| Montana | $1,878 | 19% less |
| Nebraska | $1,932 | 16% less |
| Nevada | $1,794 | 22% less |
| New Hampshire | $1,422 | 38% less |
| New Jersey | $1,906 | 17% less |
| New Mexico | $1,919 | 17% less |
| New York | $1,432 | 38% less |
| North Carolina | $1,803 | 22% less |
| North Dakota | $1,516 | 34% less |
| Ohio | $1,465 | 36% less |
| Oklahoma | $1,773 | 23% less |
| Oregon | $1,692 | 27% less |
| Pennsylvania | $1,933 | 16% less |
| Rhode Island | $2,210 | 4% less |
| South Carolina | $1,863 | 19% less |
| South Dakota | $2,161 | 6% less |
| Tennessee | $2,026 | 12% less |
| Texas | $2,211 | 4% less |
| Utah | $1,673 | 27% less |
| Vermont | $1,304 | 43% less |
| Virginia | $1,361 | 41% less |
| Washington | $1,566 | 32% less |
| Washington, D.C. | $2,099 | 9% less |
| West Virginia | $1,893 | 18% less |
| Wisconsin | $1,450 | 37% less |
| Wyoming | $2,171 | 6% less |
Compare Ford Edge car insurance rates by state
Ford Escape insurance cost
- MSRP range-$25,555- $38,885
- Trim levels- S, SE, SEL and Titanium
- Annual average insurance cost- $1,869
The Ford Escape is a compact SUV that competes with some well-known vehicles in its class, such as the Honda CR-V and Toyota RAV4. It is available in four trim levels and, on average, costs $1,202 less to insure than the Ford F-450, which is one of the expensive Ford models to insure.
The average annual cost to insure a 2016 Ford Escape is $1,438, and it is 30% less expensive to insure than the 2023 edition ($1,869).
Find out the average annual insurance cost of Ford Escape's different editions, rates by copmany and rates by state.
| Year and model | Average annual premium |
|---|---|
| 2023 Ford Escape | $1,869 |
| 2022 Ford Escape | $1,484 |
| 2021 Ford Escape | $1,456 |
| 2020 Ford Escape | $1,499 |
| 2019 Ford Escape | $1,576 |
| 2018 Ford Escape | $1,502 |
| 2017 Ford Escape | $1,468 |
| 2016 Ford Escape | $1,438 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,310 | $109 |
| Geico | $1,545 | $129 |
| Nationwide | $1,691 | $141 |
| Progressive | $1,706 | $142 |
| Farmers | $2,362 | $197 |
| Allstate | $2,594 | $216 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $1,833 | 20% less |
| Alaska | $1,511 | 34% less |
| Arizona | $1,929 | 16% less |
| Arkansas | $1,947 | 16% less |
| California | $2,444 | 6% more |
| Colorado | $2,743 | 19% more |
| Connecticut | $1,672 | 27% less |
| Delaware | $1,951 | 15% less |
| Florida | $3,059 | 33% more |
| Georgia | $2,151 | 7% less |
| Hawaii | $1,234 | 46% less |
| Idaho | $1,403 | 39% less |
| Illinois | $1,769 | 23% less |
| Indiana | $1,537 | 33% less |
| Iowa | $1,513 | 34% less |
| Kansas | $1,771 | 23% less |
| Kentucky | $2,572 | 12% more |
| Louisiana | $2,759 | 20% more |
| Maine | $1,112 | 52% less |
| Maryland | $1,766 | 23% less |
| Massachusetts | $1,619 | 30% less |
| Michigan | $2,608 | 13% more |
| Minnesota | $1,798 | 22% less |
| Mississippi | $1,679 | 27% less |
| Missouri | $2,034 | 12% less |
| Montana | $1,863 | 19% less |
| Nebraska | $1,977 | 14% less |
| Nevada | $1,770 | 23% less |
| New Hampshire | $1,275 | 45% less |
| New Jersey | $1,908 | 17% less |
| New Mexico | $1,988 | 14% less |
| New York | $1,639 | 29% less |
| North Carolina | $1,755 | 24% less |
| North Dakota | $1,521 | 34% less |
| Ohio | $1,462 | 37% less |
| Oklahoma | $1,820 | 21% less |
| Oregon | $1,747 | 24% less |
| Pennsylvania | $1,801 | 22% less |
| Rhode Island | $2,003 | 13% less |
| South Carolina | $1,729 | 25% less |
| South Dakota | $2,151 | 7% less |
| Tennessee | $2,059 | 11% less |
| Texas | $2,168 | 6% less |
| Utah | $1,725 | 25% less |
| Vermont | $1,326 | 42% less |
| Virginia | $1,297 | 44% less |
| Washington | $1,478 | 36% less |
| Washington, D.C. | $1,941 | 16% less |
| West Virginia | $2,174 | 6% less |
| Wisconsin | $1,432 | 38% less |
| Wyoming | $1,977 | 14% less |
Ford Escape comes in 2 different styles: SUV and Hybrid. The Hybrid is available in three trim grades- SE, SEL, and Titanium. And the insurance cost will depend on the model you choose, your age, location, among other factors.
Compare Ford Escape car insurance rates by state
Ford Focus insurance cost
- MSRP range: $29,990- $44,690
- Trim levels: S, SE, and Titanium
- Annual average insurance cost: $1,691
With its stylish design, excellent handling, and value pricing, Ford Focus has attracted many drivers over the years. It is an affordable and competent small car for those who want something reliable and performance oriented. The Ford Focus is available in three distinctive styles: Sedan, Hatchback, and Electric.
The average cost of insuring different model years of Ford Focus are:
| Year and model | Average annual premium |
|---|---|
| 2020 Ford Focus | $1,691 |
| 2018 Ford Focus | $1,765 |
| 2017 Ford Focus | $1,743 |
| 2016 Ford Focus | $1,701 |
Ford has now stopped manufacturing Ford Focus; however, you can contact your local dealers if you want one. The insurance cost of the Ford Focus is around $1,691 a year. And if you own a 2016 model, you will have to pay $1,701 annually or about $142 a month for insurance.
Ford Fusion insurance cost
- MSRP range:$23,170 - $36,450
- Trim levels: S, SE, SEL and Titanium
- Annual average insurance cost: $1,686
Ford Fusion is a midsize Sedan that is available in 6 trim grades ranging from basic to luxury. The average Ford Fusion insurance cost is $1,686 a year or around $140 a month.
Ford Fusion also comes in Hybrid and plug-in hybrid variants. The 2020 Ford Fusion might be the last one as the company has announced to discontinue of its production.
The table below shows the cost of insuring different model years of Ford Fusion.
| Year and model | Average annual premium |
|---|---|
| 2021 Ford Fusion | $1,686 |
| 2020 Ford Fusion | $1,756 |
| 2019 Ford Fusion | $1,838 |
| 2018 Ford Fusion | $1,792 |
| 2017 Ford Fusion | $1,747 |
| 2016 Ford Fusion | $1,691 |
2020 Ford Fusion is equipped with safety features like standard daytime running lights, blind-spot detection, lane departure warning, and lane departure prevention that might help you save on your car insurance.
National Highway Traffic Safety Administration gives overall five-star safety ratings to the 2020 edition of Ford Fusion.
Compare Ford Fusion car insurance rates by state
Ford Mustang insurance cost
- MSRP range- $27,205- $55,300
- Trim levels- EcoBoost, EcoBoost Premium, GT, GT Premium and Mach 1
- Annual average insurance cost- $2,427
For the last 55 years, Ford Mustang has been recognized for its fantastic performance at an affordable price point. The 2021 Ford Mustang is described as the "top muscle car pick" by Edmunds. On average, it will cost $2,427 a year to insure a 40-year-old driver.
Older Mustangs are cheaper to insure. In the tables below, you can find the average rates to insure different model years of Mustang, rates by company and rates by state.
| Year and model | Average annual premium |
|---|---|
| 2023 Ford Mustang | $2,427 |
| 2022 Ford Mustang | $2,059 |
| 2021 Ford Mustang | $1,957 |
| 2020 Ford Mustang | $2,219 |
| 2019 Ford Mustang | $2,144 |
| 2018 Ford Mustang | $2,142 |
| 2017 Ford Mustang | $2,038 |
| 2016 Ford Mustang | $1,937 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,603 | $134 |
| Nationwide | $1,958 | $163 |
| Geico | $2,216 | $185 |
| Progressive | $2,499 | $208 |
| Farmers | $3,037 | $253 |
| Allstate | $3,157 | $263 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,344 | 2% more |
| Alaska | $1,789 | 22% less |
| Arizona | $2,440 | 6% more |
| Arkansas | $2,720 | 18% more |
| California | $3,127 | 36% more |
| Colorado | $2,866 | 24% more |
| Connecticut | $2,248 | 2% less |
| Delaware | $2,578 | 12% more |
| Florida | $3,053 | 32% more |
| Georgia | $2,698 | 17% more |
| Hawaii | $1,894 | 18% less |
| Idaho | $1,756 | 24% less |
| Illinois | $2,183 | 5% less |
| Indiana | $2,017 | 12% less |
| Iowa | $2,136 | 7% less |
| Kansas | $2,416 | 5% more |
| Kentucky | $2,876 | 25% more |
| Louisiana | $4,097 | 78% more |
| Maine | $1,631 | 29% less |
| Maryland | $2,358 | 2% more |
| Massachusetts | $2,450 | 6% more |
| Michigan | $3,215 | 39% more |
| Minnesota | $2,387 | 4% more |
| Mississippi | $2,318 | 1% more |
| Missouri | $2,668 | 16% more |
| Montana | $2,549 | 11% more |
| Nebraska | $2,609 | 13% more |
| Nevada | $2,193 | 5% less |
| New Hampshire | $1,837 | 20% less |
| New Jersey | $2,334 | 1% more |
| New Mexico | $2,451 | 6% more |
| New York | $1,790 | 22% less |
| North Carolina | $2,285 | 1% less |
| North Dakota | $2,043 | 11% less |
| Ohio | $1,894 | 18% less |
| Oklahoma | $2,279 | 1% less |
| Oregon | $2,174 | 6% less |
| Pennsylvania | $2,415 | 5% more |
| Rhode Island | $2,864 | 24% more |
| South Carolina | $2,737 | 19% more |
| South Dakota | $2,918 | 27% more |
| Tennessee | $2,714 | 18% more |
| Texas | $2,784 | 21% more |
| Utah | $2,142 | 7% less |
| Vermont | $1,816 | 21% less |
| Virginia | $1,691 | 27% less |
| Washington | $1,908 | 17% less |
| Washington, D.C. | $2,662 | 15% more |
| West Virginia | $1,972 | 14% less |
| Wisconsin | $1,954 | 15% less |
| Wyoming | $2,866 | 24% more |
Factors like age, location, car model, and safety ratings affect your insurance rates. In terms of safety, 2020 Ford Mustang GT earns five stars safety ratings from National Highway and Traffic Safety Administration.
Compare Ford Mustang car insurance rates by state
The Sources
- Ford '2021 Ford Escape' MSRP, Trim levels and features
- Ford '2021 Ford Mustang' Build and Price
- Edmunds '2020 Ford Fusion' Review
- Ford '2021 Ford Edge' Build and Price
- Insurance Institute for Highway Safety (IIHS)- Features and Vehicle Ratings