Ford Insurance

Getting the right coverage for your Ford.

Ford Insurance

The name "Ford" and automobiles have been intertwined ever since Henry Ford developed and manufactured the first car for the masses almost 100 years ago. 

Today, Ford vehicles are in high demand by American consumers. You can cover your Ford and protect your finances with a suitable Ford car insurance policy. An independent insurance agent can help you find affordable coverage for whatever model of Ford you own. 

These agents can answer your insurance-related questions, explain your coverage options, and help you compare Ford car insurance quotes to find the policy that is right for you. Contact a local agent now for more information about insuring your Ford.

What Kind of Insurance Do You Need for Your Ford? 

You have several options when it comes to buying car insurance for your Ford. Depending on the state you live in, some types of insurance will be required and others will be optional. With Ford's wide range of vehicle models, it's smart to work with your independent agent to understand all of your insurance options and make sure you build a package that keeps you well protected. 

Most states mandate the following coverage: 

  •  Bodily injury liability: If you're at fault for injuring or killing another person in an accident, bodily injury liability insurance will pay for medical expenses and lost wages for the injured person.
  • Property damage liability:  This insurance provides coverage if you or someone else who is driving your Ford causes damage to another person's property or vehicle. 

Many states also require this coverage: 

  • Medical payments/personal injury protection: If you are in an accident and are hurt, or your passengers are hurt, medical payments or personal injury protection (PIP) coverage pays for necessary medical treatment. 
  • Uninsured and underinsured motorist coverage: This pays for damage to your vehicle if you are in an accident with a driver who isn't properly insured.

Optional Coverage: 

  • Collision insurance: If you're in an at-fault accident with another vehicle, collision coverage will pay for any damage to your vehicle. 
  • Comprehensive insurance: Your Ford is at risk, even when it's parked under a tree. Natural disasters, storms, and other incidents outside your control that cause damage to your car are covered with comprehensive insurance
  • Glass coverage: Replacing your Ford's windshield could cost between $400 and $500. This add-on policy provides zero-deductible glass coverage so you don't have to pay for windshield replacement out of pocket.
  • Gap insurance: If you finance or lease a brand new Ford, you'll want to consider gap insurance. This pays for the difference between your car's value and the outstanding amount you owe on your loan if you're in an accident and experience a total loss. 

What Affects the Cost of Insurance for Your Ford?

When insurance companies are factoring the cost of car insurance, they take into consideration a lot more than just the value of the vehicle. Age plays a major role in insurance costs. Teens tend to pay the highest  car insurance rates because they're statistically most at risk of being involved in an accident. The typical teen Ford driver pays $5,196 annually. That's significantly more than the average cost of insurance for Ford owners, which is $1,414. Drivers who have multiple violations on their record are considered high-risk and will also pay higher rates. A high-risk driver pays an average of $3,052 annually for Ford insurance.

Average Cost of Ford Insurance by Model

The type of Ford you drive will affect your insurance premiums. Ford makes a variety of models, from cars to SUVs and trucks. A Ford F-250 truck is going to run you higher insurance rates than a Ford Escape SUV. 

These rates assume that the driver has no violations or accidents and is a 40-year-old male. With these policies, there's a $500 comprehensive and collision deductible, uninsured/underinsured motorist coverage, and minimum liability limits. Rates are also averaged across all 50 states. 

Average annual insurance premium for a new Ford by model
Ford Edge $1,296
Ford Escape  $1,170
Ford Expedition $1,320
Ford Explorer $1,308
Ford F-150 $1,322
Ford F-250 Super Duty $1,618
Ford F-350 Super Duty $1,682
Ford Focus $1,358
Ford Fusion $1,492
Ford Mustang  $1,666
Ford Ranger $1,254

The Safety of Your Ford

Safety affects your insurance rates by giving insurance companies some idea of how likely you are to file a claim when you drive a certain type of car. Fortunately, Ford is dedicated to providing safe vehicles for their drivers.

Most Ford models received between four and five star overall ratings from the National Highway Traffic Safety Administration (NHTSA) and "good" ratings from the  Insurance Institute for Highway Safety (IIHS), which is the company's highest ranking. 

How Location Affects Your Ford Insurance

Living in certain states could earn you a lower car insurance premium, while in other areas, your rates could be much higher.

Average yearly auto insurance rates are least expensive in these states:
North Carolina $816
Virginia $848
Maine $874
Iowa $956
Idaho $958
Average yearly auto insurance rates are most expensive in these states: 
Florida $1,772
Rhode Island $1,886
Kentucky $1,930
Louisiana $2,096
Michigan $2,458

Average Cost to Insure an Ford

The average annual policy rate in the United States for a Ford is $1,414. Your costs will vary according to the type of coverages you choose, your age, your location, and your driving record. 

Here's how Ford premium averages change for younger vs. older drivers:

Ford rates by age for full coverage with a $500 deductible
Age Premium
20 $3,256
30 $1,482
40 $1,414
50 $1,292
60 $1,266

Top Insurance Carriers That Insure the Ford

Getting the right coverage for your Ford is important, and so is the company that provides that protection. Your insurance company should be trustworthy and responsive. The U.S. Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a solid recommendation: 

  1. Progressive
  2. Safeco
  3. Travelers

Where to Find Ford Insurance Quotes

Whether you drive a compact Ford Focus, a utilitarian Ford F-150 pick-up truck, a Ford Flex crossover-SUV, or any of the other Ford vehicles, you can easily find the car insurance you need with the help of an independent insurance agent.

These agents are available to help you determine your coverage needs and answer your coverage-related questions. They can provide you with a variety of policies and quotes from different insurance companies to make comparison shopping easy. 

Contact a local member agent today to learn more about Ford insurance.

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