Best Cheap Ford Car Insurance
If you want cheap car insurance for a Ford vehicle, get quotes from State Farm and Travelers.
State Farm has the cheapest car insurance rates for most Ford vehicle models. Travelers is often the second-cheapest option, with rates that usually aren’t much higher than State Farm’s.
Cheapest Ford insurance companies
How much is Ford car insurance?
The average cost of Ford car insurance ranges from $230 a month to $397 a month for full-coverage policies.
The discontinued EcoSport S is the cheapest Ford vehicle to insure of the models we surveyed. The Ford Escape is next, with an average monthly rate of $242 a month. The F-150 XL is close behind at $246 a month.
At $397 a month, the F-450 Super Duty XL is the most expensive Ford vehicle to insure. This is in line with the truck’s relatively high price.
Ford auto insurance costs by model
| Model | Annual rate | Monthly rate |
|---|---|---|
| Bronco | $3,036 | $253 |
| EcoSport S | $2,761 | $230 |
| Edge SE | $3,032 | $253 |
| Escape | $2,904 | $242 |
| Expedition XL | $3,299 | $275 |
| Explorer | $3,118 | $260 |
| F-150 XL | $2,954 | $246 |
| F-250 SD XL | $3,279 | $273 |
| F-350 SD XL | $3,408 | $284 |
| F-450 SD XL | $4,767 | $397 |
| Maverick XL | $3,023 | $252 |
| Mustang Ecoboost | $3,732 | $311 |
| Ranger XL | $3,092 | $258 |
Cheapest Ford Bronco insurance
State Farm has the cheapest car insurance for Ford Broncos. The company’s average rate over the last three model years is $2,216 a year, or 6% less than runner-up Travelers.
Travelers is second, with rates that average $2,369 a year. USAA is third at $2,546 a year, but only members of the military and their families can get insurance from USAA.
Ford Bronco insurance cost
| Company | 2022 model rate | 2023 rate | 2024 rate | |
|---|---|---|---|---|
 | State Farm | $2,155 | $2,201 | $2,292 |
 | Travelers | $2,329 | $2,396 | $2,381 |
 | Geico | $3,237 | $3,146 | $3,252 |
 | Progressive | $3,096 | $3,337 | $3,383 |
 | Allstate | $3,242 | $3,321 | $3,775 |
 | Farmers | $4,201 | $4,357 | $4,009 |
 | USAA* | $2,551 | $2,544 | $2,543 |
Cheapest car insurance for Ford EcoSport S
State Farm and Progressive have the cheapest insurance for the Ford EcoSport S, which was discontinued in 2022. The average rate for both companies is just over $2,100 a year for this small SUV.
Progressive offers a few more car insurance discounts than State Farm. If you qualify for a few of them, Progressive could be the cheapest company for you.
Ford EcoSport insurance cost
| Company | Model year 2022 |
|---|---|
| State Farm | $2,108 |
| Progressive | $2,161 |
| Travelers | $2,403 |
| Geico | $2,860 |
| Allstate | $2,964 |
| Farmers | $4,426 |
| USAA* | $2,402 |
Cheapest Ford Edge SE insurance
Drivers who want the most affordable insurance for a Ford Edge SE can get it from State Farm and Travelers. These companies charge about $2,200 a year for Ford Edge SE insurance, on average.
Discounts could make a big difference here, as both Travelers and State Farm offer several to lower your rate.
Ford Edge insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| Travelers | $2,180 | $2,208 | $2,263 |
| State Farm | $2,136 | $2,220 | $2,280 |
| Progressive | $2,884 | $2,923 | $2,965 |
| Geico | $3,302 | $3,462 | $3,550 |
| Allstate | $3,312 | $3,636 | $3,808 |
| Farmers | $4,110 | $4,260 | $4,417 |
| USAA* | $2,718 | $2,587 | $2,441 |
Cheapest insurance for Ford Escape
State Farm is the cheapest car insurance company for Ford Escape owners, with rates of around $2,029 a year.
Travelers is the next-best option for most drivers. Its average Ford Escape rate is $2,206 a year.
Progressive and Geico are a bit more expensive, with rates of about $2,800 a year, but both companies offer many discounts that could make them a lot cheaper.
Ford Escape insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| State Farm | $1,945 | $2,042 | $2,099 |
| Travelers | $2,311 | $2,100 | $2,206 |
| Progressive | $2,710 | $2,785 | $2,938 |
| Geico | $2,876 | $2,984 | $3,103 |
| Allstate | $3,226 | $3,517 | $3,681 |
| Farmers | $4,452 | $4,615 | $4,840 |
| USAA* | $2,114 | $2,221 | $2,218 |
Cheapest Ford Expedition XL insurance
At about $2,507 a year, State Farm has the cheapest auto insurance for the Ford Expedition XL. Travelers is second, with an average rate of $2,741 a year.
Ford Expedition insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| State Farm | $2,542 | $2,454 | $2,525 |
| Travelers | $2,697 | $2,736 | $2,790 |
| Progressive | $3,108 | $3,150 | $3,191 |
| Geico | $3,650 | $3,553 | $3,638 |
| Allstate | $3,628 | $3,775 | $3,956 |
| Farmers | $4,299 | $4,448 | $4,604 |
| USAA* | $2,830 | $2,850 | $2,852 |
Cheapest insurance for Ford Explorer
For the cheapest Ford Explorer insurance, make sure you get a quote from State Farm. Its average rate for Ford Explorers is $2,282 a year – the lowest of the companies we surveyed.
At $2,472 a year, Travelers is second for affordable Ford Explorer insurance. Both companies are well below the average rate for Ford Explorer insurance ($3,118 a year).
Ford Explorer insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| State Farm | $2,214 | $2,285 | $2,347 |
| Travelers | $2,449 | $2,475 | $2,491 |
| Progressive | $2,860 | $2,896 | $2,931 |
| Geico | $3,277 | $3,322 | $3,233 |
| Allstate | $3,290 | $3,645 | $3,818 |
| Farmers | $4,571 | $4,737 | $4,910 |
| USAA* | $2,544 | $2,591 | $2,592 |
Cheapest Ford F-150 XL insurance
Travelers and State Farm are the cheapest car insurance companies for Ford F-150 insurance. Both companies offer rates of around $2,200 a year for Ford F-150s. That’s 24% less than the average cost to insure an F-150 ($2,954 a year).
Ford F-150 insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| State Farm | $2,128 | $2,274 | $2,301 |
| Travelers | $2,131 | $2,317 | $2,326 |
| Progressive | $2,389 | $2,766 | $2,795 |
| Geico | $3,042 | $3,197 | $3,310 |
| Allstate | $3,176 | $3,464 | $3,545 |
| Farmers | $4,165 | $4,314 | $4,469 |
| USAA* | $2,526 | $2,700 | $2,704 |
Cheapest insurance for Ford F-250 SD XL
Travelers has the cheapest insurance for Ford F-250 Super Duty XL owners, with rates of about $2,152 a year.
This is 13% cheaper than runner-up State Farm’s average rate of $2,485 a year. And it’s 34% less than the overall average rate of $3,279 a year for Ford F-250 insurance.
Ford F-250 insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| Travelers | $2,110 | $2,165 | $2,179 |
| State Farm | $2,382 | $2,503 | $2,571 |
| Geico | $3,603 | $3,651 | $3,615 |
| Allstate | $3,331 | $3,813 | $4,000 |
| Progressive | $3,388 | $3,967 | $4,018 |
| Farmers | $4,235 | $4,385 | $4,542 |
| USAA* | $2,452 | $2,979 | $2,980 |
Cheapest Ford F-350 SD XL insurance
The cheapest insurance for Ford F-350 Super Duty XL drivers comes from State Farm and Travelers, where rates average just over $2,500 a year.
USAA is next at $2,847 a year. Though higher than State Farm and Travelers, it may be worth it if you qualify given USAA’s reputation for customer service and satisfaction.
Ford F-350 insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| State Farm | $2,438 | $2,521 | $2,590 |
| Travelers | $2,561 | $2,528 | $2,676 |
| Geico | $3,469 | $3,442 | $3,545 |
| Progressive | $1,713 | $3,776 | $3,825 |
| Allstate | $3,565 | $3,858 | $4,048 |
| Farmers | $5,295 | $5,491 | $5,695 |
| USAA* | $2,501 | $3,019 | $3,020 |
Cheapest insurance for Ford F-450 SD XL
Ford F-450 Super Duty XL owners can get the cheapest car insurance from Travelers at around $2,365 a year. State Farm is next at $2,867 a year, though that’s 21% more than Travelers.
Ford F-450 insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| Travelers | $2,340 | $2,368 | $2,386 |
| State Farm | $2,826 | $2,846 | $2,929 |
| Progressive | $3,457 | $3,475 | $3,478 |
| Geico | $3,699 | $3,777 | $3,648 |
| Allstate | $4,531 | $4,361 | $4,622 |
| Farmers | $12,830 | $13,355 | $13,905 |
| USAA* | $3,191 | $2,694 | $3,396 |
Cheapest insurance for Ford Maverick XL
With an average rate of $2,169 a year, State Farm has the cheapest insurance for Ford Maverick XL drivers.
Travelers is the second-best company for most Ford Maverick owners. Its rates average $2,270 a year. Compare quotes from Progressive as well while shopping, as its average rate is $2,360 a year.
Ford Maverick insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| Travelers | $2,278 | $2,305 | $2,227 |
| State Farm | $2,016 | $2,258 | $2,233 |
| Progressive | $2,256 | $2,367 | $2,457 |
| Geico | $2,723 | $2,889 | $2,942 |
| Allstate | $3,011 | $3,233 | $3,514 |
| Farmers | $5,803 | $6,034 | $6,275 |
| USAA* | $2,193 | $2,241 | $2,238 |
Cheapest car insurance for Ford Mustang Ecoboost
State Farm has the cheapest Ford Mustang insurance rates of around $2,735 a year. Runner-up Travelers’ average rate of $3,360 a year is 23% more.
Ford Mustang insurance cost
| Company | Model year 2022 | 2023 rate | 2024 rate |
|---|---|---|---|
| State Farm | $2,541 | $2,704 | $2,959 |
| Travelers | $3,275 | $3,458 | $3,345 |
| Geico | $3,704 | $3,556 | $3,693 |
| Progressive | $3,770 | $3,824 | $3,883 |
| Farmers | $4,438 | $4,603 | $4,776 |
| Allstate | $4,674 | $4,896 | $5,859 |
| USAA* | $2,837 | $2,786 | $2,796 |
Cheapest Ford Ranger XL insurance
With average rates right around $2,200 a year, Progressive, State Farm and Travelers are the cheapest car insurance companies for Ford Ranger XL drivers. State Farm is the cheapest overall at $2,182 a year.
Ford Ranger insurance cost
| Company | 2022 model rate | 2023 rate | 2024 rate |
|---|---|---|---|
| State Farm | $2,140 | $2,176 | $2,231 |
| Progressive | $2,230 | $2,255 | $2,281 |
| Travelers | $2,166 | $2,192 | $2,291 |
| Geico | $3,010 | $3,099 | $3,203 |
| Allstate | $3,350 | $3,509 | $3,819 |
| Farmers | $5,716 | $5,940 | $6,174 |
| USAA* | $2,309 | $2,421 | $2,422 |
Car insurance companies base your rate on several factors, and they don’t all look at those factors in the same way. One might see your location or driving history as being more important than other companies do and charge you more because of it. Or a company may give you a lower rate than its competitors because of your history of not filing claims.
This is why you should compare car insurance quotes from a number of companies before you buy or renew a policy.
Best companies for Ford car insurance
State Farm is the best company for Ford car insurance. Its rates are the cheapest for almost all of the Ford models we included in our survey.
State Farm also seems to make its customers happy, based on its good complaint rating from the National Association of Insurance Commissioners (NAIC) and good customer satisfaction score from J.D. Power.
| Company | Average annual rate | Complaints** | Customer satisfaction*** | LendingTree score |
|---|---|---|---|---|
| Allstate | $3,710 | 0.71 (Good) | 635 (Average) |  |
| Farmers | $5,450 | 1.25 (Poor) | 619 (Poor) | |
| Geico | $3,307 | 0.70 (Good) | 637 (Average) |  |
| Progressive | $2,975 | 0.72 (Good) | 622 (Poor) |  |
| State Farm | $2,349 | 0.78 (Good) | 657 (Good) |  |
| Travelers | $2,432 | 0.41 (Excellent) | 616 (Poor) | |
| USAA* | $2,610 | 0.99 (Average) | 739 (Excellent) | |
**Source: 2023 NAIC Complaint Index. Average is 1.0. Lower is better.
***Source: J.D. Power 2024 U.S. Auto Insurance Study. Average is 644. Higher is better.
BEST OVERALL AND CHEAPEST RATES – STATE FARM
- Cheapest rates for most Ford vehicles
- Many discount options
- Customers seem to like it
- Fewer coverage options than some other companies
SECOND BEST – TRAVELERS
- Great rates for most Ford models
- Several add-on coverages
- Many discounts
- Fewer customer complaints than most other companies
- Customer satisfaction score is poor
BEST DISCOUNTS – FARMERS
Discounts include:
- Bundling auto and home insurance
- Insuring more than one vehicle
- Paying on time
- Setting up autopay
- No accidents in the last three years
- Owning a home
- More discounts than any other company
- Many coverage options
- App and website make it easy to pay bills and file claims
- Most expensive rates of surveyed companies
- Poor customer ratings
BEST FOR MILITARY FAMILIES – USAA
USAA also customizes coverage to the military community and otherwise treats them well.
- Good rates for most Ford models
- Many optional coverages
- Several discounts
- Customer satisfaction is high
- Only serves members of the military and families
- Some other companies are cheaper
Frequently asked questions
The average cost of car insurance for a Ford Mustang is $3,732 a year. This is for the Mustang Ecoboost model. You might pay more or less if your Mustang has a different trim level.
Where you buy Ford Mustang insurance can make a big difference in what you pay for a policy. State Farm’s average rate for a Mustang Ecoboost is $2,735 a year, for example, while Allstate’s average rate is $5,143 a year.
Also, if your Mustang is an expensive antique or vintage, you should look for classic car insurance.
The average insurance cost for a Ford F-150 is $2,954 a year. What you pay will depend on several factors, including the trim level you choose. This average rate is for an F-150 XL.
We found the cheapest F-150 insurance at State Farm, which has an average rate of $2,234 a year. Farmers has the most expensive insurance rate for F-150s at $4,316 a year.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for typical drivers in Illinois, New York, Pennsylvania and Texas.
Quotes are for a 30-year-old man with good credit and a clean driving record. Policies include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident
- Personal injury protection in Maryland and Minnesota
- Collision: $500 deductible
- Comprehensive: $500 deductible
Rates are based on quotes for the following Ford models:
- Bronco
- EcoSport S
- Edge SE
- Escape
- Expedition XL
- Explorer
- F-150 XL
- F-250 SD XL
- F-350 SD XL
- F-450 SD XL
- Maverick XL
- Mustang Ecoboost
- Ranger XL
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military and their families.