Cheap Ford Auto Insurance in 2024 (Save With These 10 Companies)

Erie, AAA, and State Farm are our top picks for cheap Ford auto insurance because they offer plenty of ways to save through car insurance discounts and UBI programs.

Erie Insurance has the cheapest Ford insurance, especially for young drivers. Young drivers can save nearly 40% by purchasing car insurance for a Ford from Erie. Other drivers can save by taking advantage of Erie’s discounts and UBI program.

Our Top 10 Company Picks: Cheap Ford Auto Insurance

Explore the cheapest options for Ford auto insurance below, then learn how to save even more. After, enter your ZIP code into our free tool to see how much Ford insurance might cost you.

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#1 – Erie: Top Pick Overall

Pros

• Low Rates: Erie offers the cheapest auto insurance for Fords, especially for young drivers.
• YourTurn: Most insurance providers offer usage-based insurance (UBI) programs that track your driving behaviors. You can save up to 30% with Erie’s UBI program, YourTurn.
• Rate Lock: As long as you don’t make certain changes to your plan, your Erie insurance rates won’t increase over time.

Cons

• Limited Availability: Erie insurance policies are only available in 12 states. See if you live in an eligible state in our Erie auto insurance review.
• Higher Rates for Older Drivers: While it’s an affordable option for young drivers, older adults will probably find cheaper rates with another company.

#2 – AAA: Best Roadside Assistance Plans

Pros

• Roadside Assistance Plans: Whether you want Ford Escape car insurance or coverage for an F-150, AAA’s roadside assistance plans are an excellent addition to your policy.
• Discount Opportunities: With 17 savings opportunities, AAA offers a fantastic variety of discounts to help you save. Explore your discount options in our AAA auto insurance review.
• Membership Perks: AAA offers members more than savings on car insurance. You’ll also get discounts on shopping, travel, and hotels.

Cons

• Rates can be high. Although the cost of Ford car insurance from AAA is affordable, many drivers report seeing higher rates than the national average.
• Membership Fees: AAA requires membership to buy auto insurance, which comes with an annual fee.

#3 – State Farm: Best Customer Service Representatives

Pros

• Drive Safe & Save: Safe drivers can save up to 30% by enrolling in Drive Safe & Save. See if State Farm’s UBI program is right for you in our State Farm auto insurance review.
• Accessible Customer Service: State Farm agents are always ready to help, whether you need to file a claim for a Prius or want Ford Focus insurance rates.
• Coverage Options: You can customize your Ford motor insurance in a variety of ways with State Farm’s ample coverage options.

Cons

• Higher Rates for Bad Credit: State Farm is an affordable Ford motor insurance company, but it has higher rates for drivers with bad credit scores.
• Can’t Purchase Policy Online: You can start the quote request form online, but you’ll need to speak with a State Farm agent to purchase a policy.

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#4 – Travelers: Best for Bundling Multiple Policies

Pros

• Solid Selection of Discounts: Travelers helps keep Ford insurance costs low by offering 15 discounts. You can earn significant savings by bundling home and auto insurance policies.
• Low Rates After an Accident: Travelers usually offers insurance quotes lower than the national average, particularly for drivers with an at-fault accident.
• IntelliDrive: Although most models see affordable quotes, you might need some help finding affordable Ford F-350 Super Duty car insurance. Enrolling in IntelliDrive can help, with a maximum UBI discount of 30%.

Cons

• Low Customer Satisfaction: Despite offering affordable rates and great coverage options, many Travelers customers report being unsatisfied with their policies.
• Claims Handling Problems: Unfortunately, Travelers consistently scores low concerning its claims resolution process. See what customers have to say in our Travelers auto insurance review.

#5 – Progressive: Best for Drivers on a Budget

Pros

• Name Your Price Tool: Use the Name Your Price tool to get a list of Progressive coverage options that match your monthly budget.
• Affordable Rates for High-Risk Drivers: Progressive offers low rates for drivers who may struggle to find affordable coverage, particularly for drivers with a DUI. Read our Progressive auto insurance review to learn more about Progressive’s high-risk rates.
• Snapshot: Snapshot gives Ford drivers the opportunity to save up to 30% on their insurance.

Cons

• Snapshot can increase rates. Most UBI programs guarantee that your rates won’t increase, but unsafe drivers can see price hikes with Snapshot.
• Higher Rates for Teens: It may be one of the best Ford auto insurance companies, but Progressive is not one of the cheapest options for teen drivers.

#6 – Nationwide: Best for Usage-Based Insurance Savings

Pros

• Coverage Options: Get the best auto insurance for Fords by adding coverage to your Nationwide policy. One of the most popular options is Nationwide’s Vanishing Deductible.
• Excellent Customer Service: Customers consistently rank Nationwide’s service and claims handling highly.
• SmartRide: Nationwide’s SmartRide UBI option offers a maximum savings of 40%. See if SmartRide is right for you in our Nationwide auto insurance review.

Cons

• Higher Minimum Coverage Rates: Nationwide is often an affordable option, but drivers looking for the cheapest minimum insurance will probably find better rates elsewhere.
• Limited Availability: Nationwide does not sell car insurance for Fords everywhere. See if you live in one of the 47 states Nationwide sells in our Nationwide auto insurance review.

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#7 – American Family: Best for Customer Loyalty Rewards

Pros

• Writes Costco Insurance: Costco members looking for the cheapest auto insurance can purchase a plan through the warehouse. These policies are managed by American Family.
• Superior Claims Handling: Customers consistently say American Family resolves claims satisfactorily.
• Loyalty Discount: American Family offers substantial savings for its most loyal drivers. Explore all 18 discount options in our American Family auto insurance review.

Cons

• Limited Availability: Currently, American Family sells car insurance in just 19 states.
• Average Rates: You can find several large insurance companies that offer lower average rates than American Family, especially if you have a DUI on your record.

#8 – Farmers: Best for Safe Drivers

Pros

• Tons of Discounts: Farmers offers 23 opportunities to save, including discounts for safe drivers.
• Signal App: Download the Signal app to participate in Farmers’ UBI program and save up to 15% on your insurance.
• Excellent Customer Service: Farmers customers report a consistent level of satisfaction with the service they receive.

Cons

• Higher Rates: Farmers is usually one of the more expensive options for insurance. Read more about Farmers’ rates in our review of Farmers insurance.
• No New Policies in Florida: As of 2023, Farmers no longer sells auto insurance in Florida. You’ll need to pick a different company if you need Florida auto insurance.

#9 – Allstate: Best for Low-Mileage Drivers

Pros

• Milewise: Low-mileage drivers can get reduced rates through Allstate’s Milewise, a pay-per-mile program. If you’re more interested in a UBI discount, check out our Allstate Drivewise review.
• Full Coverage Options: Allstate offers a variety of coverage options, including Ford gap insurance and rental car reimbursement. Explore all of Allstate’s coverage options in our Allstate auto insurance review.
• Convenient Customer Service: Allstate makes it easy to get help whenever you need it. Simply call the Allstate customer service number to speak with a representative at any time.

Cons

• Higher Premiums: Allstate is usually one of the most expensive insurance options on the market, especially for teens and drivers with an accident on their record.
• Coverage Availability Varies: Although Allstate has a lot of great options, some add-ons have limited availability. For example, rideshare insurance is only available in eight states.

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#10 – Liberty Mutual: Best for Policy Customization

Pros

• Convenient Online Tools: Liberty Mutual’s online tools make it easy to manage your policy, especially its mobile app. Explore Liberty Mutual’s digital tools in our Liberty Mutual auto insurance review.
• RightTrack: RightTrack is Liberty Mutual’s UBI program offering safe drivers a maximum discount of 30%.
• Diverse Coverage Options: Liberty Mutual makes customizing your policy a simple task with its selection of add-ons, like better car replacement coverage.

Cons

• Average Rates: No matter if you’re looking for cheap Ford Escape insurance rates or the lowest average insurance cost for a Ford F-150, Liberty Mutual is not the cheapest choice.
• Inconsistent Customer Service: Some customers report complete satisfaction with their Liberty Mutual coverage, while others warn drivers to stay away.

Ford Auto Insurance Coverage Options

All drivers must follow their state’s minimum auto insurance requirements. While some insurance coverages are required, drivers may choose additional coverages to be better protected.

Ford auto insurance coverages include:

• Liability: Liability auto insurance pays for bodily injuries and property damage to others if you cause an accident. Most states require liability coverage, but the minimums vary and are typically very low.
• Uninsured/Underinsured Motorist Coverage: Uninsured/underinsured motorist auto insurance pays for your injuries and damages if a driver with little or no insurance causes the accident. Several states require this coverage, but not all include the property damage portion.
• Medical Payments (MedPay): Medical payments coverage covers medical costs related to an accident, such as doctor visits and X-rays. However, only a few states, such as Maine and New Hampshire, require MedPay.
• Personal Injury Protection: Personal injury protection (PIP) auto insurance is similar to MedPay but includes other related expenses, such as child care and funeral costs. More states require PIP than MedPay, but either coverage is optional in most states.
• Collision: Collision auto insurance pays for damages to your vehicle from an accident, such as hitting another car, hitting an object like a fence, and rollover accidents.
• Comprehensive: Comprehensive auto insurance pays for your vehicle damage unrelated to an accident, such as theft, vandalism, fire, and acts of nature, like floods, hail, and tornados.
• Gap Insurance: Gap insurance pays the difference between what you owe on your vehicle and its worth if it’s totaled. Most lenders require gap coverage until you owe less than the car’s worth.

Minimum coverage consists of the mandatory coverage your state requires. However, full coverage also includes collision and comprehensive coverage, which pays for damage to your vehicle. The coverage you need depends on your finances and vehicle.

Most lenders require full coverage auto insurance and gap insurance. In addition, coverage such as new car replacement insurance helps pay for a replacement if your Ford gets totaled in an accident.

Ford Auto Insurance Rates

Many factors affect Ford auto insurance rates, such as age, driving record, and ZIP code. For example, young drivers who have a lot of at-fault accidents on their record or live in high-crime areas get the highest Ford car insurance quotes. The type of Ford you drive affects your rates too — the best Ford Mustang auto insurance comes with a different cost than Ford C-Max hybrid car insurance.

Check below to see how much you might pay for Ford auto insurance at our top companies.

Ford Auto Insurance Monthly Rates by Coverage Level

The Ford Escape’s auto insurance rates are the lowest of the examined models, averaging $117 a month. However, auto insurance for a Ford Mustang is the most expensive.

Is Ford Mustang considered a sports car for insurance? Yes, the Mustang is a sports car and has higher insurance rates. Sports cars typically have significantly higher insurance rates since drivers tend to speed or otherwise drive recklessly.

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As discussed above, you may have to carry specific Ford auto insurance coverage types, especially if you’re financing a new vehicle. Finding affordable rates no matter how much coverage you need is usually simple, though. Simply put your information into a quote request form, as shown below.

While you might not require full coverage if your Ford is an older model, experts still recommend it. Without full coverage Ford auto insurance, you’ll pay for any costly vehicle repairs out of pocket.

Ford Auto Insurance Rates by Model

There are several non-driving factors that affect your insurance rates, but driving factors are equally as important. When analyzing auto insurance rates for various Ford models, it becomes evident that there are notable differences in cost, as depicted in the comparison table below.

Ford Auto Insurance Month Rates by Model

As you can see, there are significant differences between models when it comes to insurance rates. Insurance companies consider factors like you’re car’s safety and reliability ratings, repair costs, and traffic statistics to determine how much they should charge you for your coverage.

Ford Auto Insurance Rates vs. Competitors

Discover the auto insurance rates for Ford vehicles compared to Toyota and Chevrolet models in this concise analysis. Since Fords and Chevrolets are similar in performance and value, it can be helpful to compare their rates. For example, comparing Ford F-250 insurance costs with a Silverado can give you an idea of which vehicle has a better value.

Let’s explore the insurance rates and factors that could impact your decision.

Ford Auto Insurance Monthly Rates vs. Chevrolet

If insurance is a factor you’re considering while shopping for a new car, comparing Ford and Chevrolet rates can give you an idea of what to buy. Finding cheap Chevrolet auto insurance is about as easy as it is for Ford, but Chevies might be a bit more expensive. For example, a Chevy Silverado costs about $165 to insure, while a Ford F-250 Super Duty car insurance costs about $158 per month.

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How to Save on Ford Auto Insurance

While car insurance for Ford models may be expensive, there are ways to lower rates. If you need to find the lowest insurance rates possible, try the following tips:

• Find discounts. Most companies offer discounts to help drivers save. You can save on your insurance for a variety of things, including maintaining good grades, being a safe driver, and signing up for paperless documents.
• Try usage-based insurance. Finding cheap usage-based auto insurance is easy for drivers who regularly practice safe driving habits.
• Lower your coverage. Lowering the amount of coverage in your policy is an easy way to cut your rates. However, it will leave your car without much protection if you need to file a claim in the future.

Finally, shop around for cheap Ford auto insurance quotes. Every insurance company calculates rates differently, so compare Ford car insurance quotes from multiple companies to find your best deal.

Find Cheap Ford Auto Insurance Today

Ford auto insurance rates vary significantly by model and driver, with the Escape being one of Ford’s cheapest models to insure. However, once you’ve learned how to get multiple auto insurance quotes for your Ford, finding affordable coverage is much easier.

When you’re ready to explore your Ford insurance options, enter your ZIP code into our free comparison tool below. It will give you multiple quotes instantly from a variety of companies so you can pick the cheapest plan possible.

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