Best Auto Insurance for Fords in 2025

The best auto insurance for Fords comes from Erie, Nationwide, and Liberty Mutual. Erie has the highest claims satisfaction and the cheapest auto insurance at $65 a month.

Our Top 10 Company Picks: Best Auto Insurance for Fords

Nationwide is the best pick for those who drive their Fords less than 10,000 miles a year. You can get 40% off through Nationwide SmartMiles pay-per-mile insurance. Liberty Mutual is in the top three for its accident forgiveness, which is ideal for drivers of newer or financed Ford models.

You can find the best Ford auto insurance no matter your driving record by entering your ZIP code into our free quote comparison tool.

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 for newer or higher-value Fords.

Ford Auto Insurance Monthly Rates by Coverage Level

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 a month, and full coverage under $160 monthly. 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.

How Model Impacts Ford Insurance Rates

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 monthly, and full coverage can reach $265 a month. Larger models, hybrids, and electric Fords often cost more to insure due to higher repair costs.

Ford Auto Insurance Monthly Rates by Model

On the flip side, Allstate and The Hartford are among the most expensive options, with monthly minimum rates at $85 and $79, and full coverage going up to $175 and $170 a month. 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): PIP insurance 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 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.

Ford Auto Insurance Add-On Coverage Options

Ford Auto Insurance Add-On Coverage Options

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.

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.

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

Auto Insurance Discounts for Fords

Ford drivers can unlock significant savings by taking advantage of the right discounts. Nationwide stands out with some of the most generous offers.

Top Auto Insurance Discounts for Ford Drivers

Nationwide provides up to 40% off for good drivers through usage-based insurance (UBI) programs like SmartRide, and pay-per-mile insurance through SmartMiles, which is ideal for Ford owners who don’t drive often. Erie also offers competitive UBI discounts up to 30% for safe drivers.

Progressive’s Snapshot program is another standout, giving Ford drivers up to 30% off for safe driving, with an average annual savings of $231. Liberty Mutual provides up to 30% off through usage-based insurance for Ford owners, and also offers the highest anti-theft discount at 35%, which is especially beneficial for newer Ford models equipped with factory-installed security systems.

What we learned analyzing insurance companies is that young drivers qualify for exclusive discounts. Students under 25 with a B average or better can qualify for good student discounts. American Family and State Farm offer well-rounded discount packages for students and young drivers that can cut rates by up to 25%.

Overall, Ford drivers should compare quotes carefully and combine multiple discounts — like bundling, usage-based, and safe driving incentives — for the biggest savings.

Where to Get The Best Auto Insurance For Fords

Erie, American Family, and State Farm have the best car insurance for Fords, especially drivers with new models looking for new car replacement and accident forgiveness. Scroll through the top ten Ford auto insurance companies to find the best provider for your car or truck.

Read More: Best Auto Insurance For GMCs

#1 – Erie: Top Pick Overall

Pros

• Lowest Rates: Erie offers the cheapest Ford insurance, with minimum coverage starting at $65 a month and full coverage at $140 a month.
• Policy Options: Ford insurance policy 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.

#2 – 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.

#3 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Flexible Coverage: Liberty Mutual offers customizable coverage for Fords, including add-ons like new car replacement and accident forgiveness.
• Ford Perks: Includes roadside assistance and OEM parts replacement, helping Fords maintain their 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. Read our Liberty Mutual review for more details.

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.

#4 – 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.

#5 – 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. Learn how to qualify by age in our The Hartford Insurance review.

#6 – 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, but eligibility depends on location, model, and driver profile.

#7 – 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. Compare more quotes in our American Family Insurance review.
• 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.

#8 – 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 for Ford drivers.

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.

#9 – 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.

#10 – Progressive: Best for Usage-Based Discounts

Pros

• Usage Savings: Ford drivers can lower costs using Progressive’s Snapshot program by maintaining safe driving habits.
• 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 include 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.

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 Erie, Nationwide, and Liberty Mutual 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.