Best Auto Insurance for Fords in 2025 (Top 10 Companies for Your Vehicle!)
Liberty Mutual, Progressive, and Travelers have the best auto insurance for Fords. Liberty Mutual has flexible policy options, Progressive saves drivers $231 per year through usage-based discounts, and Travelers provides strong coverage options. The best cheap Ford auto insurance starts at $65 a month.
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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...
Licensed Insurance Agent
UPDATED: Apr 21, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 21, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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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| Company | Rank | A.M. Best | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A | 25% | Flexible Policies | Liberty Mutual |
 | #2 | A+ | 10% | Usage-Based Discounts | Progressive |
 | #3 | A++ | 13% | Comprehensive Coverage | Travelers |
 | #4 | A+ | 25% | Safe Drivers | Allstate |
 | #5 | A+ | 25% | Personalized Policies | Erie |
 | #6 | A+ | 5% | AARP Benefits | The Hartford |
 | #7 | A++ | 25% | Affordable Rates | Geico |
 | #8 | A | 25% | Loyalty Rewards | American Family |
 | #9 | A++ | 17% | Customer Service | State Farm |
 | #10 | A+ | 20% | Pay-Per-Mile Discounts | Nationwide |
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.
- Find the best auto insurance for Fords starting at $65 a month
- Liberty Mutual is the top pick for flexible policies and strong discount options
- Progressive gives savings for safe driving with Snapshot UBI
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 options like new car replacement and accident forgiveness.
- Ford Perks: Includes roadside assistance, OEM parts replacement, and custom equipment protection for Ford vehicles.
- Online Management: Liberty Mutual insurance app and website make it easy to manage Ford auto insurance policies and file claims.
Cons
- High Premiums: Full coverage for Fords can reach $169 monthly, which may be higher than budget alternatives.
- Limited Discounts: Older Fords or unbundled policies may not qualify for Liberty Mutual’s top savings.
#2 – Progressive: Best for Usage-Based Discounts
Pros
- Usage Savings: Ford drivers can lower costs using Progressive’s Snapshot program and 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 roadside help, rideshare insurance, and OEM parts for Ford owners.
Cons
- Rate Spikes: Ford drivers report rate hikes at policy renewal, more than drivers with other insurers.
- Discount Limits: Long-distance or high-mileage Ford drivers may see fewer benefits from usage-based pricing.
#3 – Travelers: Best for Comprehensive Coverage
Pros
- Full Protection: Offers strong comprehensive coverage for Fords, including accident forgiveness and new car replacement.
- Low Rates: Ford owners can get minimum coverage starting at $70 per month. Get more quotes in our Travelers auto insurance review.
- Helpful Extras: Includes roadside assistance, gap insurance for new Fords, and glass repair.
Cons
- Varied Customer Service: Ford insurance customer satisfaction with Travelers is below average in some states.
- Fewer Discounts: Travelers offers limited bundling or loyalty options for Ford drivers.
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#4 – Allstate: Best for Safe Drivers
Pros
- Driver Rewards: Ford owners can save through Drivewise by avoiding speeding, phone use, and hard braking.
- 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 Coverage: Includes deductible rewards, OEM part protection, and accident forgiveness.
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 rewards.
#5 – Erie: Best for Personalized Policies
Pros
- Lowest Rates: Erie offers minimum coverage for Fords at just $65 per month, the cheapest among top providers.
- 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 coverage are included with many Ford full coverage insurance policies.
Cons
- Not Tech-Savvy: Erie doesn’t offer as streamlined website or mobile app as other Ford auto insurance companies.
- Limited Access: Erie is not available in every state, limiting Ford driver access to these rates.
#6 – The Hartford: Best for AARP Benefits
Pros
- AARP Savings: Ford drivers eligible for AARP get exclusive benefits like recover care and lifetime renewability.
- Senior Discounts: Older Ford drivers get exclusive auto insurance discounts through AARP and The Hartford (Read more: 26 Hacks to Save More Money on Car Insurance).
- Custom Benefits: Includes accident forgiveness and roadside help designed for Ford vehicles.
Cons
- Higher Rates: Full coverage for Fords can reach $170 monthly, especially for non-AARP members.
- Age Limits: Many Hartford perks apply only to Ford drivers aged 50 and older.
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#7 – Geico: Best for Affordable Rates
Pros
- Low Prices: Minimum coverage for Fords starts at $69 per month, making Geico a strong budget option.
- Coverage Add-Ons: Includes mechanical breakdown insurance and emergency roadside services for Fords.
- Ford Discounts: Multi-policy, safe driver, and anti-theft savings are available for most Ford policies. 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: Discount eligibility may vary by Ford model and driver profile.
#8 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Perks: Ford owners get long-term benefits like decreasing deductibles and claim-free discounts the longer they stay with AmFam.
- Reasonable Rates: Minimum coverage for Fords starts at $76 per month.
- Teen Safety: Tools like teen driver tracking and OEM part coverage support families looking for the best car insurance for Fords.
Cons
- Coverage Costs: Full coverage for Fords may cost up to $165 a month, especially for high-value vehicles.
- Delayed Benefits: Loyalty rewards don’t apply until the second Ford policy renewal.
#9 – State Farm: Best for Customer Service
Pros
- Great Support: Ford drivers benefit from responsive claims service and widespread agent availability.
- Low Rates: Minimum coverage for Fords is available for $71 a month. Compare more rates in our State Farm auto insurance review.
- Extra Features: Includes travel expense, rental reimbursement, and roadside coverage for Ford vehicles.
Cons
- Limited UBI: Drive Safe & Save discounts on Ford auto insurance may not be offered in every state.
- Not Nationwide: State Farm is not writing new policies in Rhode Island or Massachusetts, limiting access for some Ford drivers.
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#10 – Nationwide: Best for Pay-Per-Mile Discounts
Pros
- Mileage Savings: SmartMiles helps low-mileage Ford drivers save with pay-per-mile insurance.
- Decent Rates: Minimum coverage for Fords starts at $74 per month.
- Great Coverage: Full policies include accident forgiveness, vanishing deductible, and new car replacement for Ford models. Browse options in our Nationwide insurance review.
Cons
- Mileage Penalties: Ford drivers with long commutes may not benefit from mileage-based pricing.
- Regional Gaps: SmartMiles availability and discounts vary by location for Ford drivers.
The Best Ford Auto Insurance Rates
When comparing Ford car insurance rates, Erie Insurance stands out as the most affordable company for both minimum and full coverage. Ford drivers can get minimum liability coverage with Erie for just $65 per month, and full coverage for only $140 monthly.
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 |
This makes Erie a great fit for budget-conscious drivers who still want quality protection. Geico and Travelers also offer competitive pricing, with Geico starting at $69 for minimum coverage and Travelers at $70. These providers balance low prices with strong reputations and available add-ons tailored to Ford models.
On the higher end, Allstate and The Hartford are among the more expensive choices for Ford owners. Allstate’s minimum coverage begins at $85 per month, while The Hartford follows closely at $79. For full coverage, Allstate’s rate reaches $175, which is $35 more per month than Erie’s rate.
Ford Auto Insurance Rates by Model and Coverage| Ford Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Ford Escape | $92 | $150 |
| Ford Fiesta | $100 | $165 |
| Ford Focus | $110 | $170 |
| Ford Edge | $101 | $160 |
| Ford Explorer | $104 | $168 |
| Ford Fusion | $116 | $180 |
| Ford F-150 | $175 | $265 |
| Ford Mustang | $127 | $210 |
| Ford Expedition | $109 | $175 |
| Ford Flex | $114 | $180 |
| Ford Maverick | $147 | $225 |
| Ford Transit | $154 | $240 |
| Ford Bronco | $161 | $250 |
| Ford Ranger | $157 | $245 |
| Ford F-250 | $190 | $290 |
| Ford F-350 | $195 | $300 |
| Ford F-450 | $256 | $390 |
These price differences can add up significantly over time, so comparing quotes based on your Ford model and desired coverage level is key. For example, insuring a Ford F-150 costs around $175 per month, while a Ford Escape averages $92, making your vehicle type a major factor in your rate.
Read more: Everything You Need to Know About Luxury and Exotic Car Insurance
Types of Coverage Options Offered for Ford Auto Insurance
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.
- 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.
Ford drivers should check limits, deductibles, and extras like roadside or rental coverage to make sure their policy fits their needs and budget.
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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).
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Available Discounts for Ford Auto Insurance
Nationwide gives some of the best discounts available for Ford drivers. It offers up to 40% off for good driving and pay-per-mile insurance, which makes it a great choice for Ford owners who drive safely or don’t put many miles on their car.
Ford Auto Insurance Discounts From Top Providers| Insurance 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% |
American Family, Geico, and Erie Insurance also have strong discount programs. Each can save you up to 25% by using anti-theft features and bundling policies, plus extra savings for good drivers and students with good grades.
Read More: 17 Car Insurance Discounts You Can’t Miss
Liberty Mutual has the biggest anti-theft discount at 35%, which can help owners of newer Fords with built-in safety systems. It also offers one of the best Ford car insurance discounts for usage-based policies and bundling multiple policies.
If you ask us, there’s no such thing as too many Dougs. pic.twitter.com/s5o0940Bwz
— Liberty Mutual (@LibertyMutual) November 6, 2023
Progressive stands out for offering up to 30% off for safe driving and an average of $231 per year off with Snapshot, although its bundling discount is just 10%. Ford drivers can save the most by comparing quotes and stacking discounts like safe driver rewards, security features, and multi-policy savings.
Getting The Best Ford Auto Insurance
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 auto insurance quote comparison tool.
Frequently Asked Questions
What insurance does Ford use?
Ford does not use a single insurance provider. However, Ford partners with various companies through Ford Insure, which is underwritten by Nationwide in many states. Ford Insure offers usage-based insurance tailored to Ford drivers (Read More: The Definitive Guide to Usage-Based Car Insurance).
Are Fords expensive to insure?
In general, Fords are moderately priced to insure. Models like the Ford Focus or Ford Escape tend to have lower premiums, while high-performance or larger vehicles like the Mustang or F-150 often cost more due to higher repair costs and risk factors. Enter your ZIP code to explore which companies have the cheapest car insurance for Ford models.
What is the cheapest Ford to insure?
The Ford Escape and Ford Fiesta are often among the cheapest Fords to insure. These models typically have strong safety ratings, low repair costs, and are not considered high-risk vehicles.
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.
Which insurance company is best for Ford auto insurance?
The best insurance company depends on your needs, but Erie Insurance, Progressive, and Liberty Mutual consistently rank high for Ford drivers based on low rates, discount availability, and customer satisfaction.
Is dealership insurance cheaper for Fords?
Not usually. Insurance purchased through a dealership is often more expensive and limited in options. It’s typically better to compare rates from independent insurers or use tools like Ford Insure or trusted comparison sites.
What vehicles have the cheapest insurance?
Vehicles with low repair costs, strong safety features, and low theft rates are the cheapest to insure. For Ford, this often includes models like the Escape, Focus, and Fiesta.
Read more: Top 7 Ways You’re Wasting Money on Your Car
What is the cheapest auto insurance for Fords?
The cheapest car insurance for Fords often comes from Erie, Geico, or Progressive, with minimum coverage starting around $65 to $72 per month, depending on the model and state.
Which auto insurance group is the cheapest?
Cars in lower insurance groups (like groups 1–10 in the UK or low-risk categories in the U.S.) are the cheapest to insure. For Ford, this includes models like the Fiesta and Focus with smaller engines and good safety ratings.
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.
What insurance group is a Ford Focus in?
The Ford Focus usually falls between insurance groups 6 and 17, depending on the trim level, engine size, and features. In the U.S., this would equate to a mid-range insurance risk level.
Who gives the lowest Ford auto insurance rates?
Erie Insurance and Geico often offer the lowest rates for Ford vehicles, especially for drivers with clean records. However, the cheapest provider can vary based on location, driving history, and model.
Read more: How to File an Auto Insurance Claim & Win It Each Time
Do Ford employees get free insurance?
Ford employees do not typically receive free car insurance, but they may get discounts through employee programs or preferred pricing on Ford Insure and other partner insurance options.
What cell provider does Ford use?
Ford partners with AT&T for its FordPass Connect and other connected services, providing built-in Wi-Fi and data plans through AT&T’s cellular network.
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.
Can I use my Ford warranty at any dealership?
Yes, Ford warranties are honored at any authorized Ford dealership in the U.S. and Canada. Just contact your local dealer to schedule service under your plan. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
Enter your zip code below to view companies that have cheap insurance rates.
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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...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.