Best Auto Insurance for Fords in 2025 (Top 10 Companies for Your Vehicle!)

The best auto insurance for Fords comes from Liberty Mutual, Progressive, and Travelers. Liberty Mutual is the top pick overall for its flexible policies and generous bundling discounts.

Our Top 10 Company Picks: Best Auto Insurance for Fords

Progressive stands out with its Snapshot program, which tracks driving habits to reward safe Ford drivers with the cheapest auto insurance.

Travelers offers strong full coverage through options like accident forgiveness and new car replacement, making it ideal for newer Ford models.

With rates starting at just $65 per month, these providers offer top value and protection for Ford owners. You can find the best Ford auto insurance no matter your driving record by entering your ZIP code into our free quote comparison tool.

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#1 – Liberty Mutual: Top Overall Pick

Pros

• Flexible Coverage: Liberty Mutual offers customizable coverage for Fords, including add-ons like new car replacement and accident forgiveness, ideal for drivers of newer or financed Ford models.
• Ford Perks: Includes roadside assistance and OEM parts replacement, helping Ford owners maintain their vehicle’s original performance and value after a claim.
• Online Management: The Liberty Mutual app and website allow Ford drivers to manage policies, pay bills, and file claims easily, especially helpful for tech-savvy customers managing multiple vehicles.

Cons

• High Premiums: Full coverage for Fords can reach $169 per month, which may be a concern for budget-conscious drivers looking for low-cost comprehensive protection.
• Limited Discounts: Ford drivers with older models or without bundled policies may miss out on Liberty Mutual’s best discounts, including multi-policy and safe driver savings.

#2 – Progressive: Best for Usage-Based Discounts

Pros

• Usage Savings: Ford drivers can lower costs using Progressive’s Snapshot program by maintaining safe driving habits—especially beneficial for Fords equipped with FordPass Connect.
• Competitive Pricing: Offers minimum coverage for Fords starting at $72 a month. Read everything you need to know about Progressive insurance to compare quotes.
• Ford Add-Ons: Policies includes optional protections like rideshare insurance, OEM parts coverage, and roadside assistance, ideal for modern Ford vehicles.

Cons

• Rate Spikes: Some Ford drivers report premium hikes at renewal, especially if Snapshot driving data reflects risky behaviors like hard braking.
• Discount Limits: High-mileage or rural Ford drivers may benefit less from usage-based pricing compared to low-mileage city drivers.

#3 – Travelers: Best for Comprehensive Coverage

Pros

• Full Protection: Offers strong comprehensive coverage for Fords, including accident forgiveness, new car replacement, and glass repair.
• Low Rates: Ford owners can get minimum coverage starting at $70 per month. Get more quotes in our Travelers auto insurance review.
• Helpful Extras: Features like gap insurance and roadside assistance are available for leased or high-value Fords, helping drivers manage repair and loan-related costs.

Cons

• Varied Customer Service: Travelers’ Ford customer satisfaction scores vary by region, especially in states with limited in-network repair shops.
• Fewer Discounts: Compared to other insurers, Travelers offers fewer bundling and long-term discount opportunities for Ford policyholders.

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#4 – Allstate: Best for Safe Drivers

Pros

• Drivewise Program: Ford owners can save up to 25% by joining Drivewise, Allstate’s usage-based discount program for safe drivers.
• Claims Service: Allstate receives high customer service ratings for Ford car insurance claims handling. Check out our Allstate auto insurance review to learn more.
• Ford-Ready Coverage: Offers valuable features like OEM parts coverage, accident forgiveness, and deductible rewards—particularly helpful for performance models like the Mustang or Ford F-150.

Cons

• High Costs: Minimum coverage for Fords starts at $85 a month, and full coverage is priced at $175 monthly, which may be steep for some budgets.
• Strict Criteria: Not all Ford drivers qualify for top Drivewise savings—especially those with longer commutes or inconsistent driving behavior.

#5 – Erie: Best for Filing Claims

Pros

• Lowest Rates: Erie offers the cheapest Ford insurance, with minimum coverage starting at $65 a month and full coverage at $140 a month.
• Ford Options: Features include pet injury protection, accident forgiveness, and rate lock (Read More: What to Do If You Can’t Afford Your Auto Insurance).
• Added Value: Roadside assistance and rental car reimbursement are automatically included in many Ford full coverage policies.

Cons

• Not Tech-Savvy: Erie’s website and mobile tools lack the features found in other insurers, which may frustrate tech-savvy Ford drivers.
• Limited Access: Erie is not available in every state, which may prevent some Ford owners from accessing its low rates and strong customer service.

#6 – The Hartford: Best for AARP Benefits

Pros

• AARP Savings: Ford drivers eligible for AARP get exclusive benefits, including Lifetime Renewability and RecoverCare which helps with daily tasks after an accident.
• Senior Discounts: Older Ford drivers get exclusive auto insurance discounts through AARP for retirees driving reliable Ford models. (Read more: 26 Hacks to Save More Money on Car Insurance).
• Custom Benefits: Offers accident forgiveness, new car replacement, and roadside assistance designed to support long-term Ford ownership.

Cons

• Higher Rates: Full coverage for Fords can reach $170 per month, which may not suit younger or budget-conscious drivers.
• Age Limits: Many Hartford perks apply only to Ford drivers aged 50 and older, limiting access for others.

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#7 – Geico: Best for Various Discounts

Pros

• Low Prices: Minimum coverage for Fords starts at $69 per month, making Geico one of the most affordable national insurers.
• Coverage Add-Ons: Includes mechanical breakdown insurance and emergency roadside service, which are helpful for both new and aging Ford vehicles.
• Ford Discounts: Ford drivers can qualify for up to 25% off with anti-theft devices, multi-policy bundles, and good driver discounts. Browse our guide on everything you need to know about Geico.

Cons

• Less Personalized: Geico operates primarily online, so Ford drivers who want to work with an insurance agent may have to shop elsewhere.
• Selective Offers: Not all Ford drivers may qualify for Geico’s full range of discounts—eligibility depends on location, model, and driver profile.

#8 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Perks: Ford owners earn long-term rewards like decreasing deductibles and accident-free renewal bonuses with each policy term.
• Reasonable Rates: Offers minimum coverage for Fords at $76 per month, with mid-range full coverage costs.
• Family Coverage Features: Tools like teen driver tracking, OEM parts coverage, and good student discounts make AmFam a top pick for Ford families.

Cons

• Delayed Rewards: Most loyalty benefits activate after the second policy term, delaying savings for new Ford policyholders.
• Higher Full Coverage: Ford drivers may pay up to $165 per month for full coverage, especially on newer or high-value models.

#9 – State Farm: Best for Customer Service

Pros

• Great Support: Ford owners benefit from State Farm’s trusted customer service, including access to local agents and fast, reliable claims handling.
• Low Rates: Minimum coverage for Fords is available for $71 a month. Compare more rates in our State Farm auto insurance review.
• Driver-Friendly Perks: Features like Drive Safe & Save, rental car reimbursement, and multi-policy discounts benefit Ford drivers focused on long-term value.

Cons

• Limited UBI: Drive Safe & Save isn’t offered in all states, restricting access to usage-based discounts for some Ford owners.
• Coverage Restrictions: State Farm is not writing new policies in states like Massachusetts or Rhode Island, limiting availability for Ford drivers in those areas.

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#10 – Nationwide: Best for Pay-Per-Mile Discounts

Pros

• SmartMiles Program: Ford drivers with short commutes can save up to 40% with pay-per-mile insurance, ideal for remote workers or those using a Ford as a second car.
• Decent Rates: Minimum coverage for Fords starts at $74 per month, with full coverage that includes accident forgiveness and good driver discounts.
• Policy Perks: Features like vanishing deductibles and total loss replacement make this a smart option for drivers of newer Ford models. Browse options in our Nationwide insurance review.

Cons

• Mileage Penalties: Long-distance Ford drivers may not benefit from SmartMiles pricing and could face higher rates.
• Regional Gaps: SmartMiles and some other perks are not available in every state, limiting flexibility for some Ford owners.

Comparing Ford Auto Insurance Rates

Ford insurance costs can vary widely based on your coverage level, provider, and the model you drive. Minimum liability coverage is typically the cheapest option, but full coverage offers more protection—especially important for newer or higher-value Fords.

Ford Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$85	$175
	$76	$165
	$65	$140
	$69	$150
	$78	$169
	$74	$160
	$72	$158
	$71	$152
	$79	$170
	$70	$155

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Some insurers consistently offer better rates across the board, while others may charge more depending on the model and risk profile. Erie Insurance stands out as the most affordable provider for Ford drivers, with minimum coverage starting at $65 per month and full coverage at $140 monthly.

Geico and Travelers follow closely, offering minimum rates at $69 and $70, and full coverage under $160. These providers offer not only lower pricing but also helpful add-ons like roadside assistance and OEM parts replacement—valuable features for maintaining and repairing Ford vehicles.

Ford drivers should check limits, deductibles, and extras like roadside or rental coverage to make sure their policy fits their needs and budget.

Daniel Walker Licensed Insurance Agent

Model type also plays a major role in what you’ll pay. A Ford Escape costs just $92 per month for minimum coverage, while a Ford F-150 averages $175, and full coverage can reach $265. Larger models, hybrids, and electric Fords often cost more to insure due to higher repair costs.

Ford Auto Insurance Rates by Model and Coverage Level

Model	Minimum Coverage	Full Coverage
Ford Bronco	$161	$250
Ford C-Max	$122	$165
Ford Crown Victoria	$141	$205
Ford E-Transit	$153	$235
Ford Edge	$101	$160
Ford Escape	$92	$150
Ford Escape Hybrid	$128	$188
Ford Expedition	$109	$175
Ford Explorer	$104	$168
Ford F-150	$175	$265
Ford F-150 Lightning	$180	$280
Ford F-250	$190	$290
Ford F-350	$195	$300
Ford F-450	$256	$390
Ford Fiesta	$100	$165
Ford Flex	$114	$180
Ford Focus	$110	$170
Ford Fusion	$116	$180
Ford Fusion Energi	$140	$220
Ford Maverick	$147	$225
Ford Mustang	$127	$210
Ford Mustang Mach-E	$185	$255
Ford Ranger	$157	$245
Ford Taurus	$168	$215
Ford Transit	$154	$240

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On the flip side, Allstate and The Hartford are among the most expensive options, with minimum rates at $85 and $79, and full coverage going up to $175 and $170. Comparing both rates and coverage options by provider and model is key to finding the best deal.

Read more: Everything You Need to Know About Luxury and Exotic Car Insurance

Ford Auto Insurance Coverage Options

Whether you drive a Ford sedan, SUV, or pickup truck, understanding your coverage options can help you choose a policy that fits your needs and budget.

• Liability Coverage: Required in most states, this pays for damage and injuries you cause to others while driving your Ford.
• Collision & Comprehensive Coverage: Pays to repair or replace your Ford if it’s damaged in an accident or by non-collision events like theft, vandalism, weather, or fire. Learn more in our guide to collision auto insurance.
• Uninsured/Underinsured Motorist Coverage: Protects you if your Ford is hit by a driver with little or no insurance.
• Personal Injury Protection (PIP): Helps pay for medical bills or lost wages if you’re injured in an accident while driving your Ford.
• Roadside Assistance & Rental Reimbursement: Optional coverage that pays for towing and rental costs if your Ford breaks down or is in the shop after an accident.

Each Ford model — from the Mustang to the Explorer — has different insurance needs. Full coverage is highly recommended for newer or higher-value models, while older Fords may only need liability. Be sure to tailor your policy to your vehicle’s age, value, and how often you drive (Read More: What to Do When You’re Denied Insurance Coverage).

Recommended Add-Ons for Ford Drivers

Beyond basic liability and full coverage, several optional add-ons can provide extra protection for Ford drivers—especially those with newer, high-value, or financed vehicles. Accident forgiveness is a popular choice that prevents your premium from increasing after your first at-fault accident, which is useful for maintaining low rates over time.

New car replacement ensures that if your newer Ford is totaled, your insurer pays for a brand-new model rather than the depreciated value. Gap insurance is another valuable option, especially if you’re financing or leasing your Ford. It covers the difference between what your car is worth and what you still owe if it’s totaled—helpful for fast-depreciating models like new SUVs or trucks.

If you drive a newer Ford or have a loan, consider add-ons like gap insurance or new car replacement to avoid out-of-pocket losses after a total loss.

Brad Larson Licensed Insurance Agent

OEM parts coverage ensures repairs are made with original manufacturer parts, preserving the quality and value of your Ford. For added convenience, roadside assistance provides help with flat tires, dead batteries, and towing, while rental reimbursement pays for a temporary vehicle if your Ford is in the shop after a covered claim.

These add-ons may increase your premium slightly, but they can save you significantly more in the long run and offer peace of mind tailored to your driving habits and vehicle type.

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Best Auto Insurance Discounts for Fords

Ford drivers can unlock significant savings by taking advantage of the right discounts—and Nationwide stands out with some of the most generous offers. It provides up to 40% off for good drivers through telematics programs like SmartRide, and pay-per-mile insurance through SmartMiles, which is ideal for Ford owners who don’t drive often.

To qualify, drivers typically need to enroll in the program via a mobile app or plug-in device and maintain safe habits such as smooth braking and consistent speeds.

Top Auto Insurance Discounts for Ford Drivers

Company	Anti-Theft	Bundling	Good Driver	Good Student	UBI
	10%	25%	25%	20%	30%
	25%	25%	25%	20%	30%
	25%	25%	23%	15%	30%
	25%	25%	26%	15%	25%
	35%	25%	20%	15%	30%
	5%	20%	40%	15%	40%
	25%	10%	30%	10%	$231/yr
	15%	17%	25%	25%	30%
	5%	5%	15%	12%	20%
	15%	13%	10%	8%	30%

Compare RatesStart Now →

American Family, Geico, and Erie Insurance also offer well-rounded discount packages that can cut rates by up to 25%. Ford drivers can qualify by installing anti-theft devices, bundling auto with home or renters insurance, or maintaining a clean driving record.

Students under age 25 with a B average or better can qualify for good student discounts, while policyholders who go claim-free for several years often get good driver discounts automatically applied at renewal.

Liberty Mutual offers the highest anti-theft discount at 35%, which is especially beneficial for newer Ford models equipped with factory-installed security systems. It also provides up to 30% off through usage-based insurance for Ford owners who drive safely and avoid risky behavior.

If you ask us, there’s no such thing as too many Dougs. pic.twitter.com/s5o0940Bwz

— Liberty Mutual (@LibertyMutual) November 6, 2023

Progressive’s Snapshot program is another standout, giving Ford drivers up to 30% off for safe driving, with an average annual savings of $231. However, its 10% bundling discount is lower than most competitors. Overall, Ford drivers should compare quotes carefully and combine multiple discounts—like bundling, usage-based, and safe driving incentives—for the biggest savings.

Read More: 17 Car Insurance Discounts You Can’t Miss

How to Choose the Best Auto Insurance for Your Ford

Finding the best auto insurance for Fords comes down to balancing cost, coverage, and available discounts. Whether you drive a compact Ford Fiesta or a full-size F-150, comparing quotes from top companies like Liberty Mutual, Progressive, and Erie can help you save money (Read More: The 17 Best Tips to Pay Less for Car Insurance).

Ford insurance costs vary by model, coverage level, and driving history, so it’s important to choose a provider that fits your specific needs. Don’t forget to take advantage of discounts for safe driving, bundling, and safety features, as these can add up to big savings over time. Protect your Ford at the best prices by entering your ZIP code into our free quote comparison tool.

Frequently Asked Questions

What insurance does Ford offer through Ford Insure?

Ford offers insurance through Ford Insure, a usage-based program powered by Nationwide. It provides personalized rates for Ford drivers by tracking driving habits through FordPass Connect. If you have questions or need assistance, you can call the Ford insurance phone number for customer service: 1-888-270-0025.

Read More: The Definitive Guide to Usage-Based Car Insurance.

Are Fords expensive to insure compared to other brands?

Generally, Ford insurance costs are moderate, but rates depend on the model, age, and your driving history. Larger or performance-oriented models like the Mustang or F-150 usually cost more than compact cars like the Escape or Fiesta. Enter your ZIP code to explore which companies have the cheapest car insurance for Ford models.

Which insurance company is best for Ford auto insurance?

The best insurance company depends on your needs, but Erie, Progressive, and Liberty Mutual consistently offer low rates, strong coverage options, and helpful add-ons for Ford drivers. Many customers report positive experiences—just check recent Ford Insure reviews to see how real drivers are saving.

Read more: How to Compare Auto Insurance Companies

Is Ford Premium Care bumper-to-bumper?

Yes, Ford Premium Care is a comprehensive extended warranty that covers over 1,000 components. It is considered the closest thing to bumper-to-bumper coverage, although wear-and-tear items, such as brakes and tires, are not included.

Who can I give my Ford plan to?

A Ford extended warranty plan may be transferable to a new owner if you sell your vehicle. However, terms vary, so check your specific contract or ask your dealer for transfer guidelines.

What affects Ford auto insurance rates the most?

Rates depend on the Ford model, your chosen coverage level (minimum or full), and the insurance company. Other factors include mileage, driving history, ZIP code, and available discounts like bundling or telematics programs.

How do I get discounts on Ford insurance?

You can qualify for discounts by bundling home and auto, installing anti-theft devices, maintaining a clean driving record, enrolling in usage-based programs, or qualifying for student or military savings.

Read more: Top 7 Ways You’re Wasting Money on Your Car

What’s the best insurance for a Ford Mustang?

The best insurance for a Mustang often comes from companies like Progressive, Liberty Mutual, and State Farm. These providers offer performance-friendly coverage, high liability limits, and discounts for safe driving and anti-theft systems.

What does usage-based insurance offer Ford drivers?

Usage-based insurance programs like Progressive Snapshot or Nationwide SmartRide use real-time data to reward safe Ford drivers with up to 40% in savings. It’s a great option for low-mileage or cautious drivers.

Should I get gap insurance for my Ford?

If you lease or finance your Ford, gap insurance is strongly recommended. It covers the difference between your car’s current value and what you still owe if it’s totaled in an accident.

Do Fords hold their value?

Ford vehicles tend to hold value fairly well, especially trucks like the Ford F-150. However, sedans such as the Ford Fusion may depreciate faster due to market trends (Read more: Is it bad to cancel car insurance?).

How much is Ford WearCare?

Ford WearCare is an optional protection plan that covers excess wear and tear on lease vehicles. It typically costs between $300 and $600, depending on the lease term and vehicle model.

Are Ford insurance rates higher for young drivers?

Yes, younger drivers usually pay more. However, Ford owners under 25 can lower costs by taking defensive driving courses, earning good grades, or driving safer models like the Focus or Escape.

How do I compare Ford insurance quotes?

Use an online quote comparison tool to check multiple insurers at once. Look closely at coverage types, deductibles, available discounts, and whether the policy includes perks like OEM parts or accident forgiveness.

What is the Ford insurance claim process like?

Most Ford-friendly insurers offer mobile apps and online portals for claims. After reporting the incident, you’ll usually get a repair estimate, schedule a shop visit, and track progress digitally.

Read more: How to File an Auto Insurance Claim & Win It Each Time

Do Ford employees get special auto insurance pricing?

Yes, Ford employees may qualify for special discounts through Ford Insure or the Ford Partner Recognition Program (X-Plan), depending on their role and location.

What will void a Ford warranty?

Your Ford warranty may be voided by things like unauthorized modifications, failure to follow the maintenance schedule, or using non-Ford parts that cause damage. Always follow Ford’s service guidelines.

Read more: How to Buy Auto Insurance

Who qualifies for a Ford discount?

Ford offers various discounts through its Ford X-Plan (Partner Recognition Program) for employees of partner companies, military members, first responders, and students. Eligibility is based on proof of employment or service.

Is dealership insurance cheaper for Fords?

Not usually. Dealership-provided insurance tends to be more expensive with fewer options. It’s smarter to compare offers from multiple independent insurers. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.

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Written by:

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

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Written by Michael Leotta

Insurance Operations Specialist

Reviewed by:

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...

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Reviewed by Heidi Mertlich

Licensed Insurance Agent

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