Ford Auto Insurance Rates – Get Yours Here
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UPDATED: Nov 10, 2021
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Buying or leasing a new car is always a big decision. You want to make sure you are getting a fair price and interest rate. You research multiple models to weed out any potential lemons. You take a test drive and then wait what seems like half a day for the dealer to work out the financing. But the process isn’t over when you drive off the lot. You still have to get your vehicle insured.
Researching auto insurance plans and comparing insurance providers can feel tedious. And, the process has a ticking clock. It needs to wrap up in 4 days or less—the grace period most insurance companies give you to get a new plan for your new car.
We understand the pressure. This is why we have done some of the heavy lifting for you.
Read more to learn about Ford Motor company vehicles and their impact on insurance plans. We’ve covered the safety and insurance basics for some of the most popular models of Ford cars: Edge, Escape, Expedition, Explorer, Fiesta and Mustang
By the numbers: How much does it cost to insure Ford vehicles?
Studies have shown that insurance rates in Oregon are slightly lower than the national average rate. We calculated what the price of insurance would be for each model of vehicle, for an Oregon driver.
The calculation used the following criteria:
- 2017 model
- 10,001 – 15,000 miles driven yearly
- Basic coverage
- No accidents in the past 5 years
- Driver located in Portland, Oregon
- Good credit
Here is how it breaks down, by model:
The average insurance costs for a Ford Edge is $106.25 a month — or $1,275.00 a year.
The average insurance costs for a Ford Escape is $120 a month — or $1,440.00 a year.
The average insurance costs for a Ford Expedition is $116.66 a month — or $1,400.00 a year.
The average insurance costs for a Ford Explorer is $108.33 a month — or $1,300.00 a year.
The average insurance costs for a Ford Fiesta is $107.50 a month — or $1,290.00 a year.
The average insurance costs for a Ford Mustang is $133.22 a month — or $1,598.00 a year.
How can you save money on car insurance?
Insurance rates are formulaic. However, that doesn’t mean you can’t optimize your personal information to get the best rate available. The savings could be significant. Here are some helpful tips to reduce your automobile insurance costs.
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Insurance prices will change based on many factors, including your age and sex. You can’t do much about those things, but you can do something about other factors:
- Geographic location—You may not be inclined to move just to reduce your insurance cost, but you can be diligent about how and where you use your car. If your car is used for a basic commute in the suburbs versus a long commute through rush hour big-city traffic, your rate could be impacted.
- Driving record—Those little speeding tickets—yes, even that one for doing 30 in a 20MPH zone—can add up. Take advantage of any court options, like traffic schools, to wipe tickets off your record. Each state and insurance carrier is different, but a ticket can clear off your record in as little as 2 years, but sometimes as long as 5 years.
- Credit score—Using one’s credit history to set insurance rates is being contested in some parts of the country. Meanwhile, studies show that people with better credit records tend to avoid more accidents. So, pay off your credit cards. Or, at the very least, stay current on your credit card payments.
- Vehicle type—It’s not only about vehicle safety; vehicle value will impact your insurance rates, too. It only makes sense. Replacing a stolen Ferrari is far more costly than replacing a stolen Honda Civic.
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GAP Insurance for Your Ford Vehicle
When you purchase a new Ford, the dealer is going to try to sell you a GAP insurance policy. Prices are usually much higher when you get them from the dealer instead of going straight through an insurance company. You should get the GAP insurance for your Ford when you are adding the car to your current insurance policy or are getting a completely new one. We can help you find cheap Ford GAP insurance and lower rates than what you are currently paying for your auto insurance premium.
Why Ford is relevant to your insurance rates
The Ford Motor Company is one of America’s most iconic brands. Headquartered in Dearborn, Michigan, it is the second-largest U.S. automaker and the fifth-largest in the world. According to Ford, the company’s revenues surpassed $150 billion in 2016, while producing roughly 6.4 million vehicles worldwide.
A car maker doesn’t see this level of success without third-party recognition of reliability, performance and safety. However, each model of Ford, every year, comes with a different safety rating. And while your driving record tends to influence your insurance rate the most, the make and model of your car is a significant factor, too.
That’s because a vehicle’s safety ranking is a key factor in setting insurance rates. Your driving record is a thing of the past. But, selecting a safe vehicle is something you have control over going forward.
There are two excellent sources online that can give you a glimpse into how safe each vehicle is:
- Insurance Institute for Highway Safety—Founded in 1959 by insurance company interests, the organization has evolved into an independent, nonprofit dedicated to using scientific research and education to reduce deaths, injuries and property damage due to motor vehicle crashes. They have built a robust and interactive “ratings” tool on their website that evaluates vehicles for crashworthiness (how well occupants are protected in a crash) and crash avoidance and mitigation (how well the vehicle can prevent an accident or lessen its severity). Vehicles are given one of four grades (Poor, Marginal, Acceptable or Good) across multiple categories.
- National Highway Traffic Safety Administration—Their mission statement is: “Through enforcing vehicle performance standards and partnerships with state and local governments, NHTSA reduces deaths, injuries and economic losses from motor vehicle crashes.” The NHTSA also has a robust and interactive “ratings” tool online, but they go one step further. You can also do use their “vehicle comparison” tool, which comes in handy when buying a new car. If your choice is between two or three makes and models, this tool may help you narrow the field to one.
If you are looking for a new vehicle, make sure you get one that is loaded with safety and anti-theft features. That way, you may be eligible for discounts on your auto insurance. People are always looking for ways to save money, and you will find that this is just one of many discounts that may be available to you. If you are in the market for a new vehicle, make sure that the safety features come standard. You shouldn’t have to pay extra just so you can feel safe while you are on the road.
The Edge is considered a midsize SUV and ranks well crashworthiness. However, it’s rather weak in crash avoidance and mitigation. Child seat anchors are rated as acceptable, while headlight technology is rated as poor—the ratings tool’s lowest possible ranking. In addition, the front crash prevention package is rated as basic, with optional equipment. A full report indicates the weakest link in the safety system is that the seatbelts allow the head and torso to move too far forward in a crash.
The Escape is considered a small SUV and ranks well for safety, overall. It does score only a moderate ranking for child seat accessibility though. So if you have a little one, it’s important to read this detailed explanation of the ranking.
Historically, this vehicle has performed well, too. Year-over-year, they have received five-star overall ratings, with one four-star rating in 2012. Important note: There is a recall on the 2018 model of this vehicle. So if you currently own a Ford Escape, look to see if your VIN is eligible. The NHTSA site has a search tool for this.
The Expedition is considered a large SUV. It is the only large SUV with a 5-Star Overall Safety Rating from NHTSA, according to Autobytel.com. The online consumer information resource noted that roof strength only garnered a 3-Star rating, but the four-wheel drive version earned a 4-Star ranking. In addition, the Expedition also comes with a standard rearview camera, a technology which the NHTSA recommends for all large vehicles. Other safety equipment available for the Expedition includes rain-sensing wipers, rear parking sensors, and Ford’s Blind Spot Information System with rear cross-traffic alert.
The Explorer is considered a midsize SUV and ranks slightly lower than its Ford counterparts. Crashworthiness categories are all ranked as good, but the driver side safety system scored a marginal ranking. Specifically, there is an issue with the steering column shifting over to the right during a high-impact crash. This causes the airbag to be less effective since it deploys from the steering wheel and is not properly aligned with the driver.
Ford Fiesta Hatchback
The Fiesta Hatchback is not an SUV but offers drivers a little more space than other small sedans thanks to the back hatch. However, it doesn’t offer better safety when it comes to the steering column shift experienced with other Ford models. It also gets a ranking of poor when it comes to the child seat anchors. On the brighter side, the overall crashworthiness has a ranking of good.
The Mustang is a well-known model from Ford. The sports car can have up to 435 horsepower and has been featured as the “cool car” in movies like Need for Speed and James Bond’s Goldfinger. The 2015-2017 versions of the Mustang all received a 5-star NHTSA safety rating. Then IIHS ratings for the 2018 Ford Mustang are mostly good, with only a “marginal” rating for the child seat anchors ease of use. As you read on, you’ll see the downside of sports cars, which is that they are typically a bit costlier to insure.
What Safety Features Does Ford Offer?
For example, the Ford F-150 has been a popular truck for many years, and you can get many different models that are loaded with awesome safety features. Just the fact that it is a large and stable vehicle helps those who drive them to feel safer when they are at the wheel. It also doesn’t hurt that this is a dependable vehicle, and owners don’t have to worry about breakdowns and other issues. This year’s model offers the following features:
- 4-wheel ABS
- Child seat anchors
- Front head airbags
- Stability and traction control
- Front center 3-point seatbelts
- Engine immobilizer
- Electronic brakeforce distribution
These are just a few of the features that insurers look for in vehicles. When cars and trucks have features such as the F-150, insurers know that they are safe vehicles, and are not as risky to insure as older vehicles that are not equipped with the latest safety features. Even if you think you can’t afford a brand new vehicle, you can still get a newer Ford truck or car. Most models made within the last five years have plenty of excellent safety features that insurers like to see.
Other top models include:
What Kind of Coverage Do You Need?
The insurance coverage you get will often depend on a number of factors. The vehicle you drive may be a huge factor. For instance, if you are driving an old beater, you are not going to spend a lot of money on collision and comprehensive insurance. You will probably just stick with liability. But, if you get one of the newer Ford vehicles, you will probably want to have the added coverage. Don’t worry about it costing a lot of money because the discounts you get with the safety features will help to offset the higher rates.
Getting the Best Auto Insurance Rates
Smart choices require smart research. So, compare price estimates from a variety of insurance companies. While most carriers are competitive, not all carriers offer the same discounts. In addition, some carriers can bundle your auto insurance with other forms of insurance, such as homeowners insurance. This typically triggers discounts, which triggers significant savings, especially over the long haul. Renters insurance, anyone? Life insurance, anyone?
You can also consider programs like Progressive’s Snapshot which allows a driver to place a device on the computer in your car. The device captures information about your driving habits like how often you drive, your speed, the time of day you drive and more. This data is meant to provide a more clear picture of you as a driver. The safer you are, the less your insurance rates will be.
You may also consider buying your insurance through someone like us. Dealing with us gives you access to an objective third party that offers coverages from a variety of carriers. In other words, we aren’t trying to sell you on one company’s plan. We are trying to sell you the plan that works best for you.
Having a newer model vehicle is just one way to get better rates on your auto insurance. You may be eligible for a number of discounts. This is something you can ask about when you are getting your free insurance quotes online. Simply fill out a short questionnaire about your insurance needs, including your zip code. We will search through our database to find quotes from a number of insurers in your area. It only takes a few minutes, and you never have to provide any personal information. You may even find that you are not getting the best rates and switching to another insurer could save you money.