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 in our network can help you find affordable coverage for whatever model of Ford you own.
These agents can and 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.
How Safe Are Ford Vehicles?
A car's safety rating can influence the cost of your car insurance. Fortunately, Ford vehicles are some of the safest on the road. In fact, the 2013 Ford Focus earned the rating "Top Safety Pick" from the Insurance Institute for Highway Safety (IIHS).
Additionally, the Focus has received a five-star Overall Vehicle Score from the National Highway Traffic Safety Administration, the federal government's highest safety rating.
According to U.S. News and World Reports, the following Ford models scored at least a 9 or out of 10 for safety:
- Ford Flex: 9.7
- Ford Taurus: 9.7
- Ford Explorer: 9.7
- Ford Escape: 9.3
- Ford F-150: 9.3
- Ford Fiesta: 9.3
- Ford Fusion: 9.2
- Ford Mustang: 9.0
Safety ratings can vary based on whether your Ford model is equipped with optional safety features. Often, including these optional safety features can earn you discounts or lower rates on your policies.
Is the Ford Brand a Target for Car Thieves?
According to a 2013 report by the Highway Loss Data Institute, Ford F-250 Trucks were the most popular vehicles among car thieves form 2010-2012. The claim frequency for the Ford F-250 was almost six times the average for all cars or trucks sold.
Approximately 7 out of every 1,000 Ford F-250s were stolen during the time period and the average insurance claim per theft was $7,060 according the HLDI. The only other Ford vehicle that made the top 10 list was the Ford F-350.
The risk of your Ford being targeted by car thieves varies based on the year and the model of your car, but you can take certain measures to prevent car theft.
Car insurers look favorably on cars equipped with state-of-the-art anti-theft systems and will usually offer lower car insurance rates or discount for owners who include them. Ford improves its anti-theft features each year so the newer your car is, the more likely it is that it has the most advanced security features.
How Much Does Ford Car Insurance Cost?
Car insurance rates vary by the model and value of the car you insure, as well as by factors, such as your age, driving history and how many miles you drive each year.
Below are some estimated ranges for annual premiums for some of the most popular Ford models. These estimates are based on a 40-year-old man who drives 12 miles to work each day.
The liability policy limits are $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $50,000 for property damage per accident. The policy also includes collision and comprehensive coverage with a $500 deductible, as well as uninsured and underinsured motorist coverage:
- Ford Edge: $1150 to $1340
- Ford Expedition: $1340 to $1450
- Ford Explorer: $1200 to $1360
- Ford F-150: $1330 to $1370
- Ford Fiesta: $1275 to $1300
- Ford Flex: $1330 to $1425
- Ford Focus: $1300 to $1375
- Ford Fusion: $1425 to $1500
- Ford Mustang: $1430 to $2050
- Ford Taurus: $1400 to $1530
These premiums average include costs to insure all vehicles from base models to fully equipped models. Of course, insurance rates can very significantly from person to person and state to state.
Where to Find Ford Insurance Quotes
Whether you drive, a compact Ford Focus car, 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 in our network.
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.