Ford E Series Insurance

Insuring Your Ford E-Series

(And how to get the lowest premiums)

Ford E Series

Whether you drive a Ford E-Series as a personal vehicle or you use it for business purposes, having the right types and amounts of car insurance from a reputable company is crucial. An independent insurance agent can walk you through your options and keep you protected while minimizing the out-of-pocket premium costs. 

Not sure where to find an independent insurance agent in your area? 

TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Ford E-Series. 

What Kind of Insurance Do You Need for Your Ford E-Series?

Bodily injury liability: Bodily injury liability covers medical costs for someone else if you cause an accident while driving your Ford E-Series. It's required in most places. If the minimum required amount in your area is low, consider buying extra liability coverage to protect your financial interests. 

Property damage liability: Most states require property damage liability coverage for every driver. Your agent can tell you the minimum required amount in your area. They can talk through your options and help you understand the pros and cons of purchasing more than the minimum required amount. 

Medical payments/Personal injury protection:

Medical payments and personal injury protection insurance pay for medical care for you and your passengers if you are in an accident. It's required in some states. With this type of coverage, you can get the care you need right away without having to wait for the insurance companies to decide who will pay. 

Uninsured motorist coverage: Uninsured and underinsured motorist coverage may be required where you live. This coverage handles the bill for repairs and medical care if you are in an accident that isn't your fault, but the other person doesn't have enough insurance to cover the costs. 

Optional Coverage:

Collision: Collision insurance coverage pays for repairs if you are in an accident with another vehicle, but you'll pay your deductible first. Collision coverage is part of a full-coverage insurance plan. It's optional, and may not make sense for everyone. 

Comprehensive: Comprehensive insurance covers most accidents that don't fall under your collision insurance policy. If your van is vandalized or stolen, or if it's damaged by falling debris, comprehensive insurance pays to fix or replace your van, up to its market value minus your deductible. 

If you have a loan on your Ford E-Series, your lender will tell you which types of insurance you must purchase. 

Glass coverage:

Replacing broken glass on your E-Series van is expensive, but with a zero-deductible glass coverage policy, you can get repairs made without having to pay for them out of pocket. A glass coverage add-on usually costs just a few dollars each month. 

Gap Insurance

Gap insurance pays the difference between the amount your insurance company covers if your Ford E-Series is a total loss after an accident and the amount you owe the bank. If you didn't purchase gap insurance at the dealership, you can still add it to your insurance policy. Make sure you actually owe more than your van is worth before you pay for this coverage. Your agent can help you understand if gap insurance is the right choice. 

If you think you owe more on your car than its market value and you didn't buy gap insurance at the dealership where you purchased your new E-Series, talk with your agent about how this type of insurance could help you. Without it, you could be responsible for paying off your loan or lease if you are in an accident that the insurance company deems a "total loss." 

What Affects the Cost of Insurance for Your Ford E-Series?

Annual Mileage:
Driving your Ford E-Series more than 10,000 to 15,000 miles per year could mean you'll pay higher insurance rates. 
Your driving record:
If you have multiple moving violations, a DUI, or an at-fault accident on your record, expect to pay higher insurance rates. 
The value of your vehicle: 
A newer Ford E-Series with more options drives up the cost of your insurance because it's more expensive for an insurance company to fix or replace vehicles with a higher value. 

Average Ford E-Series Insurance Costs

The average 40-year-old Ford E Series driver pays $1,197 annually for full coverage auto insurance. Liability insurance policies are typically about 1/3 of the price of a full coverage policy. Your agent can help you understand how various factors affect your insurance. If you use your Ford E-Series van for a business, your rates may vary widely from the average. 

The Safety of Your Ford E-Series

The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Ford E-Series with all-wheel drive an overall four-star safety rating. Lane departure warning is one safety feature that comes standard on all E-Series, which contributes to the vehicle's overall safety on the road. 

How Location Affects Your Ford E-Series Insurance 

Where you live can have a dramatic effect on your car insurance premiums, so it's crucial to get a personalized quote from your agent. On average, auto owners pay $1,517 per year for insurance. 

Five most expensive annual average auto insurance rates by state:
Michigan:$2,878
Louisiana:$2,389
Florida:$2,389
Texas:$2,050
California:$1,968

Additional Factors that Affect Your Ford E-Series Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Ford E-Series

A 40-year-old driver with an excellent driving record pays an average of $462 per year for liability-only coverage. Adding full coverage to the policy raises the annual average rate to $1,517. Of course, your rates may not line up with the averages stated here. Your age, driving record, location, and the value of your Ford E-Series contribute to your auto insurance rates. 

Top Independent Insurance Carriers That Insure the Ford E-Series

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Ford E-Series Quote

An independent insurance agent can guide you as you choose coverage types and amounts for your Ford E-Series. Use the TrustedChoice.com find-an-agent tool to locate an agent in your area. Get started today by calling a local independent insurance agent and find the best possible insurance with the lowest possible rates. 

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TrustedChoice.com Article | Reviewed by Greg Safford

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