Prachi Singh Written by Prachi Singh
Contributing Researcher

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.


Why you can trust Insurance.com
At Insurance.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

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.

car-icon

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.

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
Data updated in 2024

Choose Your Vehicle Model

Ford Edge insurance cost

Ford Edge
Edge Highlights
  • 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.

Rates by model
Year and modelAverage 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
Data updated in 2024
Rates by company
CompanyAverage annual premiumAverage 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
Data updated in 2024
Rates by state
Alabama$1,79622% less
Alaska$1,52134% less
Arizona$1,89718% less
Arkansas$1,95915% less
California$2,3402% more
Colorado$2,2831% less
Connecticut$1,72025% less
Delaware$2,02712% less
Florida$2,53910% more
Georgia$2,0989% less
Hawaii$1,32742% less
Idaho$1,33642% less
Illinois$1,68927% less
Indiana$1,56232% less
Iowa$1,59731% less
Kansas$1,80122% less
Kentucky$2,2632% less
Louisiana$2,79721% more
Maine$1,33442% less
Maryland$1,85120% less
Massachusetts$1,82821% less
Michigan$2,3301% more
Minnesota$1,83420% less
Mississippi$1,74624% less
Missouri$2,05911% less
Montana$1,87819% less
Nebraska$1,93216% less
Nevada$1,79422% less
New Hampshire$1,42238% less
New Jersey$1,90617% less
New Mexico$1,91917% less
New York$1,43238% less
North Carolina$1,80322% less
North Dakota$1,51634% less
Ohio$1,46536% less
Oklahoma$1,77323% less
Oregon$1,69227% less
Pennsylvania$1,93316% less
Rhode Island$2,2104% less
South Carolina$1,86319% less
South Dakota$2,1616% less
Tennessee$2,02612% less
Texas$2,2114% less
Utah$1,67327% less
Vermont$1,30443% less
Virginia$1,36141% less
Washington$1,56632% less
Washington, D.C.$2,0999% less
West Virginia$1,89318% less
Wisconsin$1,45037% less
Wyoming$2,1716% less
Data updated in 2024

Compare Ford Edge car insurance rates by state

Ford Escape insurance cost

Ford Escape
Escape Highlights
  • 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.

Rates by model
Year and modelAverage 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
Data updated in 2024
Rates by company
CompanyAverage annual premiumAverage 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
Data updated in 2024
Rates by state
Alabama$1,83320% less
Alaska$1,51134% less
Arizona$1,92916% less
Arkansas$1,94716% less
California$2,4446% more
Colorado$2,74319% more
Connecticut$1,67227% less
Delaware$1,95115% less
Florida$3,05933% more
Georgia$2,1517% less
Hawaii$1,23446% less
Idaho$1,40339% less
Illinois$1,76923% less
Indiana$1,53733% less
Iowa$1,51334% less
Kansas$1,77123% less
Kentucky$2,57212% more
Louisiana$2,75920% more
Maine$1,11252% less
Maryland$1,76623% less
Massachusetts$1,61930% less
Michigan$2,60813% more
Minnesota$1,79822% less
Mississippi$1,67927% less
Missouri$2,03412% less
Montana$1,86319% less
Nebraska$1,97714% less
Nevada$1,77023% less
New Hampshire$1,27545% less
New Jersey$1,90817% less
New Mexico$1,98814% less
New York$1,63929% less
North Carolina$1,75524% less
North Dakota$1,52134% less
Ohio$1,46237% less
Oklahoma$1,82021% less
Oregon$1,74724% less
Pennsylvania$1,80122% less
Rhode Island$2,00313% less
South Carolina$1,72925% less
South Dakota$2,1517% less
Tennessee$2,05911% less
Texas$2,1686% less
Utah$1,72525% less
Vermont$1,32642% less
Virginia$1,29744% less
Washington$1,47836% less
Washington, D.C.$1,94116% less
West Virginia$2,1746% less
Wisconsin$1,43238% less
Wyoming$1,97714% less
Data updated in 2024

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

Ford Focus
Focus Highlights
  • 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 modelAverage annual premium
2020 Ford Focus$1,691
2018 Ford Focus$1,765
2017 Ford Focus$1,743
2016 Ford Focus$1,701
Data updated in 2024

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

Ford Fusion
Fusion Highlights
  • 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 modelAverage 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
Data updated in 2024

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

Ford Mustang
Mustang Highlights
  • 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.

Rates by model
Year and modelAverage 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
Data updated in 2024
Rates by company
CompanyAverage annual premiumAverage 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
Data updated in 2024
Rates by state
Alabama$2,3442% more
Alaska$1,78922% less
Arizona$2,4406% more
Arkansas$2,72018% more
California$3,12736% more
Colorado$2,86624% more
Connecticut$2,2482% less
Delaware$2,57812% more
Florida$3,05332% more
Georgia$2,69817% more
Hawaii$1,89418% less
Idaho$1,75624% less
Illinois$2,1835% less
Indiana$2,01712% less
Iowa$2,1367% less
Kansas$2,4165% more
Kentucky$2,87625% more
Louisiana$4,09778% more
Maine$1,63129% less
Maryland$2,3582% more
Massachusetts$2,4506% more
Michigan$3,21539% more
Minnesota$2,3874% more
Mississippi$2,3181% more
Missouri$2,66816% more
Montana$2,54911% more
Nebraska$2,60913% more
Nevada$2,1935% less
New Hampshire$1,83720% less
New Jersey$2,3341% more
New Mexico$2,4516% more
New York$1,79022% less
North Carolina$2,2851% less
North Dakota$2,04311% less
Ohio$1,89418% less
Oklahoma$2,2791% less
Oregon$2,1746% less
Pennsylvania$2,4155% more
Rhode Island$2,86424% more
South Carolina$2,73719% more
South Dakota$2,91827% more
Tennessee$2,71418% more
Texas$2,78421% more
Utah$2,1427% less
Vermont$1,81621% less
Virginia$1,69127% less
Washington$1,90817% less
Washington, D.C.$2,66215% more
West Virginia$1,97214% less
Wisconsin$1,95415% less
Wyoming$2,86624% more
Data updated in 2024

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

x
What can we help you find?