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Ford has always been a company that prides itself on its cars' versatility and quality. In terms of price, most Ford models fall in the middle of the chart, and same goes for the insurance rates. The average annual car insurance rate for all 2021 Ford models combined is $1,723 for a 30-year-old driver.

Average Ford car insurance cost by model

One of the main factors that influence your auto insurance rates is the Ford model you choose. Ford Escape and Transit are some of the cheapest models to insure in comparison to Mustang. On average, it costs $2,052 a year to insure a 2021 Ford Mustang for a 30-year-old driver.

Year and ModelAverage Annual Rate for 30 YearsAverage Annual Rate for 40 Years
2021 Ford Ecosport$1,514$1,459
2021 Ford Edge$1,506$1,452
2021 Ford Escape$1,491$1,439
2021 Ford Expedition$1,880$1,804
2021 Ford Explorer$1,631$1,573
2021 Ford F-150$1,602$1,543
2021 Ford F-250$1,798$1,728
2021 Ford F-350$1,845$1,774
2021 Ford F-450$2,181$2,094
2021 Ford Fusion$1,735$1,670
2021 Ford Mustang$2,052$1,957
2021 Ford Ranger$1,567$1,511
2021 Ford Transit$1,419$1,371

Ford Edge insurance cost

Ford Edge

The Ford Edge is a midsize SUV car, and it features all sorts of innovative technology to make driving easier. It is available in five trim packages and is the third cheapest Ford model to insure. The average Ford Edge insurance cost ranges from $1,452- $1,506 a year.

Highlights-

  • MSRP Range- $32,750 - $43,600
  • Trim Levels- SE, SEL, ST-Line, Titanium and ST
  • Annual Average Insurance Cost- $1,452- $1,506

The Insurance Institute for Highway Safety (IIHS) accorded 2020-2021 Ford Edge with the 'Top Safety Pick' in the midsize category. Even in the base form, Ford Edge is equipped with standard safety features to help you get a discount on your Ford Edge insurance.

Here you can find the average insurance rates for different editions of Ford Edge.

Year and ModelAvg Annual Cost
2015 Ford Edge$1,443.3
2016 Ford Edge$1,471.6
2017 Ford Edge$1,504.8
2018 Ford Edge$1,530.9
2019 Ford Edge$1,536.7
2020 Ford Edge$1,489.0

Compare Ford Edge car insurance rates by state

Ford Escape insurance cost

Ford Escape

The Ford Escape is a compact SUV that competes with some well-known vehicles in its class, such as the Honda CR-V and Toyota RAV4. It is available in four trim levels and, on average, costs $561 less to insure than the Ford Mustang, which is one of the expensive Ford models to insure.

Highlights-

  • MSRP Range-$25,555- $38,885
  • Trim Levels- S, SE, SEL and Titanium
  • Annual Average Insurance Cost- $1,439 - $1,491

The average annual cost to insure a 2015 Ford Escape is $1,377, and it is 8% less expensive to insure than the 2020 edition ($1,494). Also, the 2020 edition has been redesigned and is bigger in size than Ford Ecosport.

Find out the average annual insurance cost of Ford Escape's different editions.

Year and ModelAvg Annual Cost
2015 Ford Escape$1,377.9
2016 Ford Escape$1,407.2
2017 Ford Escape$1,438.1
2018 Ford Escape$1,471.1
2019 Ford Escape$1,542.2
2020 Ford Escape$1,494.0

Ford Escape comes in 2 different styles: SUV and Hybrid. The Hybrid is available in three trim grades- SE, SEL, and Titanium. And the insurance cost will depend on the model you choose, your age, location, among other factors.

Compare Ford Escape car insurance rates by state

Ford Focus insurance cost

Ford Focus

With its stylish design, excellent handling, and value pricing, Ford Focus has attracted many drivers over the years. It is an affordable and competent small car for those who want something reliable and performance oriented. The Ford Focus is available in three distinctive styles: Sedan, Hatchback, and Electric.

Highlights-

  • MSRP Range: $29,990- $44,690
  • Trim Levels: S, SE, and Titanium
  • Annual Average Insurance Cost: $1,668

The average cost of insuring different model years of Ford Focus are:

Year and ModelAvg Annual Cost
2015 Ford Focus$1,569.2
2016 Ford Focus$1,653.6
2017 Ford Focus$1,692.9
2018 Ford Focus$1,717.4
2020 Ford Focus$1,668.4

Ford has now stopped manufacturing Ford Focus; however, you can contact your local dealers if you want one. The insurance cost of Ford Focus is around $139 a month. And if you own a 2015 model, you will have to pay $1,569.2 annually or about $130 a month for insurance.

Ford Fusion insurance cost

Ford Fusion

Ford Fusion is a midsize Sedan that is available in 6 trim grades ranging from basic to luxury. The average Ford Fusion insurance cost is $1,735 a year or around $145 a month for a 30-year-old driver.

Highlights-

  • MSRP Range:$23,170 - $36,450
  • Trim Levels: S, SE, SEL and Titanium
  • Annual Average Insurance Cost: $1,670 - $1,735

Ford Fusion also comes in Hybrid and plug-in hybrid variants. The 2020 Ford Fusion might be the last one as the company has announced to discontinue its production. 

The table below shows the cost of insuring different model years of Ford Fusion.

Year and ModelAvg Annual Cost
2015 Ford Fusion$1,623.4
2016 Ford Fusion$1,653.7
2017 Ford Fusion$1,709.8
2018 Ford Fusion$1,758.7
2019 Ford Fusion$1,809.3
2020 Ford Fusion$1,749.3

2020 Ford Fusion is equipped with safety features like standard daytime running lights, blind-spot detection, lane departure warning, and lane departure prevention that might help you save on your car insurance.

National Highway Traffic Safety Administration gives overall five-stars safety ratings to the 2020 edition of Ford Fusion.

Compare Ford Fusion car insurance rates by state

Ford Mustang insurance cost

Ford Mustang

"Ford Mustang- Hear the Roar"

For the last 55 years, Ford Mustang has been recognized for its fantastic performance at an affordable price point. The 2021 Ford Mustang is described as the "top muscle car pick" by Edmunds. On average, it will cost $2,052 a year to insure for a 30-year-old, whereas for a 40-year-old driver, the average annual insurance cost is $1,957.

Highlights-

  • MSRP Range- $27,205- $55,300
  • Trim Levels- EcoBoost, EcoBoost Premium, GT, GT Premium and Mach 1
  • Annual Average Insurance Cost- $1,957 - $2,052

Older Mustangs are cheaper to insure. In the table below, you can find the average rates to insure different model years of Mustang.

Year and ModelAvg Annual Cost
2015 Ford Mustang$1,850.0
2016 Ford Mustang$1,911.2
2017 Ford Mustang$2,017.1
2018 Ford Mustang$2,122.4
2019 Ford Mustang$2,133.2
2020 Ford Mustang$2,244.2

Factors like age, location, car model, and safety ratings affect your insurance rates. In terms of safety, 2020 Ford Mustang GT earns five stars safety ratings from National Highway and Traffic Safety Administration.

Compare Ford Mustang car insurance rates by state

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