Cheap Ford Auto Insurance in 2024 (Unlock Big Savings From These 10 Companies!)
If looking for cheap Ford auto insurance, Progressive, Erie, and Liberty Mutual stand out with competitive rates starting as low as $45 per month for models like the Ford Taurus. These top providers offer comprehensive coverage options tailored to your needs, ensuring peace of mind on the road.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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When it comes to finding affordable Ford auto insurance, Progressive, Erie, and Liberty Mutual emerge as top choices. These insurers offer competitive rates and comprehensive coverage options tailored to Ford owners.
Whether you drive a Ford Mustang or a practical Ford Taurus, comparing quotes from these trusted providers can help you secure the best car insurance for your needs.
Our Top 10 Company Picks: Cheap Ford Auto Insurance| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $45 | A+ | Discount Variety | Progressive |
 | #2 | $47 | A+ | Personalized Policies | Erie |
 | #3 | $51 | A | Affinity Discounts | Liberty Mutual |
 | #4 | $54 | A+ | SmartRide Program | Nationwide |
 | #5 | $57 | A++ | Unique Coverage | Travelers |
 | #6 | $60 | B | Complete Coverage | State Farm |
 | #7 | $63 | A | Claims Service | American Family |
 | #8 | $66 | A | Family Plans | Farmers |
 | #9 | $69 | A | Roadside Assistance | AAA |
 | #10 | $72 | A+ | Infrequent Drivers | Allstate |
To find cheap Hyundai auto insurance, compare quotes and start saving today. If you want to learn more about the company, head to our “Auto Insurance Comparison.”
Start saving on your auto insurance by entering your ZIP code above and comparing quotes.
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#1 – Progressive: Top Overall Pick
Pros
- Multiple Discounts: Progressive offers a wide range of discounts, including multi-policy and safe driver discounts.
- Name Your Price Tool: Allows flexibility in choosing coverage options that fit your budget.
- Snapshot Program: Rewards safe driving habits with personalized discounts. Read up on the “Progressive auto insurance review” for more information.
Cons
- Customer Service: Some customers report issues with customer service responsiveness.
- Coverage Limitations: Certain specialized coverage options may be limited compared to competitors.
#2 – Erie: Best for Personalized Policies
Pros
- Customizable Policies: Erie provides highly customizable policies to fit specific needs. Check out insurance savings in our complete “Erie Auto Insurance Review: Can you get affordable quotes?“
- Rate Lock Feature: Offers rate lock to keep premiums stable even if there are changes in circumstances.
- Excellent Customer Service: Known for exceptional customer service and claims handling.
Cons
- Regional Availability: Limited availability in certain states outside of their primary service area.
- Online Tools: Online quote and management tools could be more user-friendly.
#3 – Liberty Mutual: Best for Affinity Discounts
Pros
- Affinity Discounts: Offers discounts through various organizations and affiliations.
- Wide Range of Coverage: Provides extensive coverage options suitable for diverse needs.
- Mobile App: User-friendly app for easy policy management and claims filing. Check out insurance savings in our complete “Liberty Mutual auto insurance review.”
Cons
- Higher Premiums: Premiums may be higher compared to some competitors, despite discounts.
- Complex Claims Process: Some customers find the claims process lengthy and complex.
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#4 – Nationwide: Best for SmartRide Program
Pros
- SmartRide Program: Rewards safe driving behaviors with potential discounts. Discover insights in our “How to file an auto insurance claim with Nationwide.”
- Variety of Discounts: Offers multiple discounts, including bundling and good student discounts.
- Strong Financial Stability: A+ rated by A.M. Best, indicating strong financial stability.
Cons
- Limited Availability: Coverage options and discounts may vary by location.
- Policy Costs: Policies can be relatively expensive for certain demographics and coverage levels.
#5 – Travelers: Best for Unique Coverage
Pros
- Unique Coverage Options: Offers specialized coverage options like wedding and event insurance.
- Strong Financial Ratings: A++ rated by A.M. Best for financial strength and stability. Access comprehensive insights into our Travelers auto insurance review.
- Discounts Available: Provides various discounts, including multi-policy and safe driver discounts.
Cons
- Complex Policies: Policies can be complex, requiring careful review to understand coverage details.
- Customer Service: Mixed reviews regarding customer service responsiveness and claims handling.
#6 – State Farm: Best for Complete Coverage
Pros
- Comprehensive Coverage: State Farm offers a wide range of coverage options suitable for various needs.
- Strong Agent Network: Extensive network of agents for personalized service and support.
- Stable and Reliable: Established reputation for reliability and financial stability. Learn more in our “State Farm auto insurance review.”
Cons
- Higher Premiums: Premiums may be higher compared to competitors for certain demographics.
- Limited Online Tools: Online tools and mobile app functionalities could be more advanced.
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#7 – American Family: Best for Claims Service
Pros
- Efficient Claims Service: Known for efficient claims processing and customer support.
- Discount Opportunities: Offers various discounts, including bundling and loyalty discounts.
- Personalized Service: Provides personalized service through local agents. If you want to learn more about the company, head to our “American Family Insurance Auto Insurance Review.”
Cons
- Premiums: Premiums may be higher compared to some competitors, even with discounts.
- Coverage Options: Limited specialized coverage options compared to larger insurers.
#8 – Farmers: Best for Family Plans
Pros
- Family Coverage Options: Offers family-focused insurance plans and discounts.
- Customizable Policies: Allows for policy customization to meet specific needs. Access comprehensive insights into our “Farmers Auto Insurance Review.”
- Good Customer Service: Generally positive reviews for customer service and claims handling.
Cons
- Higher Rates: Premiums may be higher compared to some competitors in certain regions.
- Claims Process: Some customers report delays and complications in the claims process.
#9 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance: Extensive roadside assistance coverage included with auto policies.
- Membership Benefits: Additional benefits through AAA membership, including travel discounts.
- Strong Reputation: Well-established reputation for reliability and customer service. Discover insights in our “AAA Auto Insurance Review: Can you get affordable quotes?“
Cons
- Membership Requirements: Must be a AAA member to access certain benefits and discounts.
- Limited Coverage Options: Auto insurance options may not be as customizable as with other providers.
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#10 – Allstate: Best for Infrequent Drivers
Pros
- Discounts for Infrequent Drivers: Offers discounts for drivers with low mileage.
- Digital Tools: User-friendly mobile app and online tools for policy management.
- Strong Financial Standing: A+ rated by A.M. Best for financial stability. More information is available about this provider in our “How do I file an auto insurance claim with Allstate?”
Cons
- Higher Premiums: Premiums may be higher compared to competitors, especially for high-risk drivers.
- Customer Satisfaction: Mixed reviews regarding customer satisfaction and claims resolution.
Ford Auto Insurance Monthly Rates Comparison
When choosing auto insurance for your Ford vehicle, understanding the cost implications based on coverage levels is crucial. Below is a comparison of monthly rates offered by leading insurance providers for both minimum and full coverage options.
Ford Auto Insurance Monthly Rates by Coverage Level & Provider| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $69 | $180 |
| Allstate | $72 | $185 |
| American Family | $63 | $170 |
| Erie | $47 | $145 |
| Farmers | $66 | $175 |
| Liberty Mutual | $51 | $155 |
| Nationwide | $54 | $160 |
| Progressive | $45 | $140 |
| State Farm | $60 | $165 |
| Travelers | $57 | $158 |
Across the spectrum of insurance providers, monthly rates for Ford auto insurance vary significantly depending on the coverage level. For minimum coverage, Progressive emerges as the most affordable option at $45 per month, followed closely by Erie at $47.
On the other hand, for full coverage, Progressive also offers the lowest rate at $140 per month, making it a cost-effective choice for comprehensive protection. State Farm and Farmers offer competitive rates for both minimum and full coverage, providing flexibility based on individual budget and coverage needs.
When searching for affordable auto insurance for your Ford vehicle, it’s crucial to obtain a Ford car insurance quote. Companies like Progressive, Erie, and Liberty Mutual offer competitive rates, ensuring you find cheap Ford car insurance tailored to your needs.
Whether you drive a Ford Fusion, Ford Focus, or Ford Taurus, understanding Ford Focus insurance rates and Ford Fusion insurance cost helps in making informed decisions. Wondering how much is insurance for a Ford Focus? Comparing Ford insurance quote options and considering Ford F-150 car insurance specifics ensures you get the best Ford auto insurance quote possible.
When considering your options for insuring your Ford vehicle, it’s essential to compare various policies. For instance, if you own a Ford Fusion, you’ll need to look into Ford Fusion car insurance to ensure comprehensive coverage. Similarly, those with a Ford Focus should evaluate Ford Focus car insurance options, while also keeping an eye on the Ford Focus insurance cost to stay within budget.
Additionally, Ford Taurus owners should explore Ford Taurus car insurance to find the best rates and coverage suited to their needs. Understanding these rates allows Ford owners to make informed decisions to protect their vehicles adequately. Learn more in our “Finding Auto Insurance Quotes Online.”
Comparing Ford Auto Insurance Coverage
Your Ford is more than just a shuttle to get you from A to B. In fact, if you don’t own your home, your vehicle may be your single largest financial asset.
If that’s the case, insuring it properly is imperative, as we’ll see below. Any given insurance company will offer you a slew of options. You may need a few, if not all, of them. Let’s take a look at some of the most common types of auto insurance coverage.
Liability Coverage
Required in most states, liability auto insurance is the foundation of all Ford insurance policies. Whether you cause an accident, a pile-up, run over a neighbor’s mailbox, or injure another party, your vehicle’s liability coverage steps in to protect you in some of the most common – and the most dangerous – situations.
See more details on our “Affordable Liability Auto Insurance Coverage.”
Comprehensive Coverage
Comprehensive coverage may very well be a necessity to protect your Ford from vandalism and weather damage. For example, windshields commonly run north of $1,000 to replace, and many states waive auto insurance deductibles for windshield repair/replacement.
Comprehensive coverage also kicks in when you need to file claims regarding theft, falling objects, floods, or a variety of other external causes which don’t involve your vehicle colliding with another object.
Collision Coverage
Since liability only pays for damages or injury to the other party’s person/vehicle in the event that you cause an accident, collision coverage is offered as a means of repairing or replacing your vehicle in the event of an at-fault accident.
Choosing Progressive means getting affordable rates without compromising on service quality.Chris Abrams Licensed Insurance Agent
Suppose you’ve still got payments to make, whether loan or lease. Your lienholder or lessee will often require comprehensive and collision coverage in order to protect their investment. If your Ford is paid off, neither is required, but both are worth looking into.
Learn more in our “Comprehensive vs. Collision Coverage: Which Is the More Affordable Choice?”
Underinsured Coverage
In many states, the required liability coverage you need to drive covers far less in property damage than would be necessary to replace your vehicle. Underinsured coverage steps in to make up the difference between the offending driver’s liability limit and the cost of the resulting property damage.
Find your auto insurance requirements by state.
Roadside Assistance
Affordable roadside assistance coverage can help with towing, locksmith services, and gas deliveries. Some companies offer an hour or more of on-site repairs, so compare multiple insurers to find the most affordable Ford auto insurance quotes.
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Comparing Ford Auto Insurance Quotes
Ford drivers should expect their car insurance rates to cost less than the national average, but quotes vary widely by model.
For instance, a Ford Mustang is a horsepower-packed sports car, and so it’ll be a far cry from the low price of Ford Fiesta car insurance. And if you drive a Bronco or F150 or need Ford Explorer car insurance, you can expect favorable premiums against other makes in the same model class.
Ford Auto Insurance Monthly Rates by Model & Coverage Type| Vehicle Model | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Ford C-Max Energi | $28 | $58 | $42 | $144 |
| Ford C-Max Hybrid | $27 | $55 | $42 | $140 |
| Ford Edge | $27 | $50 | $37 | $130 |
| Ford Escape | $28 | $44 | $32 | $117 |
| Ford Expedition | $34 | $53 | $32 | $132 |
| Ford Explorer | $31 | $47 | $37 | $131 |
| Ford F-150 | $32 | $47 | $37 | $132 |
| Ford F-250 Super Duty | $32 | $61 | $47 | $158 |
| Ford F-350 | $34 | $58 | $52 | $165 |
| Ford Fiesta | $22 | $41 | $42 | $121 |
| Ford Flex | $32 | $55 | $42 | $145 |
| Ford Focus | $24 | $52 | $42 | $133 |
| Ford Focus RS | $32 | $64 | $42 | $153 |
| Ford Focus ST | $27 | $52 | $42 | $137 |
| Ford Fusion | $34 | $63 | $37 | $149 |
| Ford Fusion Energi | $34 | $63 | $37 | $149 |
| Ford Fusion Hybrid | $32 | $66 | $47 | $164 |
| Ford Mustang | $35 | $72 | $42 | $167 |
| Ford Taurus | $33 | $58 | $42 | $149 |
Still, at the end of the day, the vehicle you drive is a single data point that factors into your cost. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture, too.
Find out how insurers calculate your auto insurance rates.
Discover Auto Insurance Rates for Your Ford Model
Explore the comparative auto insurance rates for a range of Ford models, including the C-Max, Focus RS, Taurus, and Transit Van.
Ford Auto Insurance Cost by ModelThis data analysis offers valuable insights for both current Ford owners and prospective buyers.
How to Save Money on Ford Auto Insurance
Coverage options and discounts vary from provider to provider. Get all the quotes you can find and look them over thoroughly before you decide.
While you’re at it, keep these auto insurance discounts in mind to lower your auto insurance rates:
- Vehicle Safety: Many Ford models come standard with high-tech safety features that may slash your premiums. Compare auto insurance quotes by VIN to increase the chances of earning a safety features discount.
- Anti-Theft: If your Ford is prepared to ward off would-be carjackers with anti-theft features, ask your insurance carrier to be sure that you’re seeing those savings.
- Multi-Car: Compare quotes for any other vehicles you own, too. Bundling multiple auto policies with the same company often garners one of the biggest discounts available.
- Multi-Line: Whether it’s homeowners or life insurance, bundling policies of different types will save on each. Even if you don’t own a home, asking for a renters insurance quote with your auto quotes will be cheaper than buying only car insurance.
- Driver Training: Maybe it’s been a while since you’ve taken a driver’s training course, but most insurers offer discounts for taking updated classes, even online.
- Usage-Based Discounts: Many major insurance companies now offer discounts for drivers who allow monitoring of their driving habits, whether through an in-car device or downloading an app.
Many insurers allow you to rescind your entry into usage-based programs, so it’s worth a shot. Because the scores are based on unsafe driving habits, improving your score will save you more than money — it could save your life.
Which Auto Insurance Company Should You Choose
In truth, it depends. The cheapest car insurance can vary from place to place or person to person, even on the exact same vehicle. While price should always be a determining factor in which company you select, don’t let it be the sole measure. See which has the best rates but also the highest auto insurance company ratings.
Remember, any time you spend worrying about your car insurance coverage is time you don’t get back. In an emergency, who do you trust to address your needs quickly, help you secure a rental vehicle, or find the right body shop?
Use our guide to find the best affordable auto insurance companies near you.
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Final Words on Finding Affordable Ford Auto Insurance Quotes
Finding cheap car insurance can be easy, but getting affordable Ford auto insurance quotes you can trust takes a little more legwork. Deciding which insurance company will offer the best Ford auto insurance involves comparing rates by model, company, and driver.
Your personal preferences will also play a role in your rates. For instance, if you prefer interacting face-to-face, you may want to work with a company that has agents. If, however, you prefer to do business online or via an app, the reverse could be true. Use our comparison tool below to find the right Ford insurance company in your area.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
Frequently Asked Questions
Are Ford cars cheaper to insure?
Ford cars are generally not expensive to insure compared to some luxury or high-performance vehicles. However, insurance costs can vary depending on factors such as the model of the Ford car, the driver’s age, driving history, location, and other personal details.
For additional details, explore our comprehensive resource titled “Understanding How Auto Insurance Works.”
Is insurance high on a Ford F-150?
Insurance rates for Ford F-150 trucks are generally reasonable. The F-150 is a popular pickup truck known for its reliability and safety features. While insurance premiums can vary depending on factors such as the driver’s profile and location, the F-150 typically does not have significantly higher insurance costs compared to other similar trucks.
Is a Ford Mustang considered a sports car for insurance?
Yes, a Ford Mustang is typically considered a sports car for insurance purposes. Sports cars are often associated with higher insurance premiums due to their higher performance capabilities and increased risk of accidents or theft.
Does Ford Motor Company offer car insurance?
Yes, Ford Motor Company offers car insurance through a partnership with Nationwide. Ford’s insurance program, known as Ford Insure, provides coverage options specifically tailored for Ford vehicle owners.
Can I save money on Ford auto insurance?
To save money on Ford auto insurance, consider these tips: compare quotes from multiple providers, ask about discounts (like safe driver or multi-policy discounts), maintain a clean driving record, opt for higher deductibles if possible, bundle policies, and explore usage-based insurance programs for potential discounts based on safe driving habits.
To find out more, explore our guide titled “How To Budget for Auto Insurance.”
What is the average insurance cost for a Ford Explorer?
The average insurance cost for a Ford Explorer varies based on factors like location, driving history, and coverage levels. Get personalized quotes for accurate pricing.
Where can I find car insurance for Ford vehicles?
You can find car insurance for Ford vehicles from various providers. Compare quotes to find the best coverage and rates for your specific model.
How can I get cheap car insurance for a Ford?
To find cheap car insurance for a Ford, compare quotes from different insurers, consider bundling policies, and explore discounts available for your model.
What is the insurance cost for a Ford Focus RS?
Insurance costs for a Ford Focus RS can vary. Factors like driving record, location, and coverage options influence the premium. Obtain quotes for accurate pricing.
To learn more, explore our comprehensive resource on “Affordable Comprehensive Auto Insurance Coverage.”
How can I get a car insurance quote from Ford Insure?
Visit Ford Insure’s website or contact them directly to request a car insurance quote tailored for Ford vehicles.
Where can I read reviews about Ford Insure car insurance?
You can find reviews about Ford Insure car insurance online on review websites or forums to learn about customer experiences and service quality.
Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.
Is a Ford Focus expensive to insure?
Insurance costs for a Ford Focus vary based on factors like model year, location, and driver profile. Compare quotes to find affordable coverage options.
Why are Ford Taurus vehicles expensive to insure?
Ford Taurus cars may have higher insurance costs due to factors like repair costs, theft rates, and safety ratings. Compare insurance options to find competitive rates.
Learn more by reading our guide titled “Auto Repair & Maintenance FAQs.”
What makes Ford Fusion insurance rates high?
Factors contributing to high Ford Fusion insurance rates include repair costs, safety features, and claims history. Shop around for competitive insurance quotes.
What is the most common type of credit insurance?
The primary types of credit insurance include: Credit life insurance, which covers loan repayment in the event of death, and credit disability insurance, which provides benefits if illness or injury prevents you from working.
Which company is best for car insurance?
Bajaj Allianz is highly regarded for car insurance, boasting a 98% claim settlement ratio and a streamlined claims process. They provide cashless services at over 6,500 network garages nationwide, ensuring convenience and efficiency.
What’s the best engine Ford makes?
Discover the top four Ford truck engines, including the 5.0L TI-VCT V8, the 3.5-Liter EcoBoost V6, the 3.3-Liter TI-VCT V6, and the 3.0-Liter Power Stroke Turbo Diesel. Learn more to determine the ideal engine choice for your Ford truck.
Access comprehensive insights into our guide titled “Does auto insurance cover damage caused by an overheated engine?“
Who is the biggest competitor of Ford?
Ford’s main rival in the automotive industry is General Motors.
What car is better than Ford?
In the 2022 J.D. Power reliability survey, Toyota is listed among the top five most dependable car brands, whereas Ford did not rank even within the top 10. Japanese vehicles exemplify enduring quality, reliability, and superior performance over the long term.
Are Ford Focus expensive to repair?
On average, the annual repair and maintenance expenses for a Ford Focus amount to $569, whereas compact cars average $526, and the overall average for all vehicle models is $652.
Get fast and cheap auto insurance coverage today with our quote comparison tool below.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
