Best Car Insurance Company for Ford (2024)

With an average price of $155 per month, finding affordable Ford car insurance is usually an easy task. Ford auto insurance quotes tend to be low due to low repair and replacement costs, high safety ratings, and a solid reputation for reliability.

Although most drivers see low quotes, car insurance for Fords can vary significantly based on your unique circumstances. Rates also change by how much car insurance you need and your state’s minimum coverage requirements. Read on to learn how to find the most affordable rates, then compare quotes to find the best car insurance company for Ford.

Ford Car Insurance Coverage Options

Your car is more than just a method of transportation. It’s an asset and a valuable one at that. In fact, outside of your home, it’s most likely the next most expensive item you own, meaning that insuring it properly is imperative. Insurance companies offer a slew of options, and you may need some, if not all, of them.

Let’s cover a few types of car insurance coverage in detail:

Liability Coverage

Required in most states, liability coverage is the foundation of all car insurance policies. Whether you cause an accident, a pile-up, run over a neighbor’s mailbox, or cause injuries to another party, your vehicle’s liability coverage protects you in some of the most common — and the worst — situations. Learn more about car insurance requirements.

Comprehensive Coverage

To protect your asset, comprehensive car insurance may very well be a necessity. In today’s economy, windshields commonly run north of $1,000 to replace, and many states waive car insurance deductibles for windshield repair/replacement.

Comprehensive coverage also kicks in when you need to file claims regarding theft, falling objects, floods, or a variety of other external causes which don’t involve your vehicle colliding with another object.

Read more: Does my car insurance cover damage caused by a lightning strike?

Collision Coverage

Suppose you’ve still got payments to make, whether loan or lease. Comprehensive and collision will be required by your lienholder/lessee in order to protect their investment. If it’s paid off, neither is required, but both are worth looking into.

Liability (listed above) pays for damages or injury to the other party’s person/vehicle in the event that you cause an accident, but liability does not pay to fix your vehicle in such an instance. Collision coverage is offered to repair or replace your vehicle in the event of an at-fault accident. Find the best collision coverage car insurance companies here.

Underinsured Motorist Coverage

This largely unknown coverage could be a lifesaver under the right circumstances. In many states, the required liability coverage one needs to drive covers far less in property damage than would be necessary to replace your vehicle.

For instance, let’s consider the Ford GT Fastback. Nowadays, they start north of $38,000. If someone totals your vehicle in a state which requires that they carry only $25,000 in property damage liability, you could be left responsible for paying $15,000 or more, all from an accident you didn’t even cause.

Underinsured coverage makes up the difference between the offending driver’s liability limit and the cost of the resulting medical/property damage. Find the best uninsured motorist coverage car insurance companies here.

Roadside Assistance

This is a relatively cheap option at most insurance companies, but it may help you evade the costliest claims. Abandoning a vehicle raises the chances of vandalism and theft, so a few extra bucks a year may protect your purchase and give you peace of mind.

Compare Ford Car Insurance Rates and Options

Ford car insurance rates, in general, expect to pay a little less than the national average, whether we’re talking monthly or yearly insurance costs. This, however, can vary by model. One notable exception is the Ford Mustang, a horsepower-packed sports car that insurance companies must rate accordingly. But if you’re in an Explorer, a Bronco, or an F150, you can expect favorable premiums.

Even still, it’s worth keeping in mind that the vehicle you drive is only a single data point factoring into your cost. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture too. Here’s what you should expect on average on the insurance front:

Ford Average Monthly Auto Insurance Rates by Model and Coverage Type

Coverage options and discounts vary from provider to provider. Get all the quotes you can find and look them over thoroughly before you decide. While you’re at it, keep these car insurance discounts in mind to lower the insurance cost:

• Vehicle safety. Safety is all the rage these days, and as such, many Ford models come standard with some of the highest-tech safety features available. Insurance companies tend to offer discounts accordingly.
• Anti-theft. If your Ford is prepared to ward off would-be carjackers with anti-theft features, ask your insurance carrier to be sure that you’re seeing those savings.
• Multi-car. Does your Ford have any companions in the garage? Quote your other vehicle(s) too. Bundling vehicles with the same company often garners one of the biggest discounts available.
• Multi-line. Whether it’s homeowners, renters, or life insurance, bundling policies of different types will save on each.
• Drivers training. Maybe it’s been since you’ve taken a driver’s training course. Most insurers offer discounts for taking updated classes, even online.
• Usage-based discounts. Many major insurance companies now offer discounts for drivers who allow monitoring of their driving habits, whether through a device or by downloading and maintaining an app.

How to Find the Best Car Insurance Company for Ford

Who should you choose to insure your Ford? In truth, the best may vary from place to place or person to person. While price is naturally a determining factor, it should never be the sole measure. Check around to see who has the best ratings and why then allow those to factor in.

When you need help, who do you trust to address your needs quickly? To help you secure a rental vehicle or help find the right body shop? Every provider does business differently, so which insurance company will offer the best Ford car insurance could have more to do with your personality than the fine print of any insurance renewal.

If you prefer interacting face-to-face, opt for an agent. Captive agents can quote you with a single company, while independent agents (brokers) can quote you from a variety of companies at once; plus, they serve as your face-to-face contact in the event of an emergency, claim, or crisis.

Other companies prefer to operate without local agents at all. This may save on expenses, but if you’re an in-person customer, it may not be worth the headache. If, however, you prefer to do your business online or via an app, the reverse could be true.

Get Quotes From the Best Car Insurance Company for Ford Today

In today’s auto market, claims are costlier than usual and perhaps more expensive than ever. Prices are on the rise, and quality vehicles are becoming scarce. In today’s economy, insurance is about more than the bottom line.

It’s worth finding the insurer who provides you with the peace of mind you’re paying for. If you’re concerned that your current insurer doesn’t have you covered, do yourself a favor and nab a quote or ten.