Cheap Ford Car Insurance in 2024 (Save Big With These 10 Companies!)
The leading providers of cheap Ford car insurance are State Farm, Geico, and Progressive, with rates starting as low as $45 per month. Compare these top providers to find the cheapest Ford car insurance and uncover substantial savings on your premium, ensuring you get the best coverage for your budget.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Sep 27, 2024
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 and legal advice 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 legal topics and 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: Sep 27, 2024
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 and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
The best options for cheap Ford car insurance are State Farm, Geico, and Progressive.
State Farm stands out as the top pick overall, offering the most competitive rates with an average monthly cost of $45. Geico and Progressive also provide excellent rates at $52 and $55 per month, respectively.
Our Top 10 Company Picks: Cheap Ford Car Insurance| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $45 | B | Customer Service | State Farm |
 | #2 | $52 | A++ | Cheap Rates | Geico |
 | #3 | $55 | A+ | Tight Budgets | Progressive |
 | #4 | $62 | A | Safe Drivers | Farmers |
 | #5 | $67 | A | Affinity Discounts | Liberty Mutual |
 | #6 | $72 | A++ | Bundling Policies | Travelers |
 | #7 | $76 | A+ | Widespread Availability | Nationwide |
 | #8 | $82 | A+ | Local Agents | Allstate |
 | #9 | $88 | A | Costco Members | American Family |
 | #10 | $94 | A++ | Military Members | USAA |
Save money by comparing online car insurance quotes from these leading providers to find the most affordable Ford car insurance and secure the best coverage for your needs. Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.
- State Farm offers the lowest monthly rate for cheap Ford car insurance at $45
- Geico and Progressive provide strong options with competitive rates
- Save money on your Ford car insurance by comparing online quotes
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#1 – State Farm: Top Overall Pick
Pros
- Exceptional Customer Service: State Farm is widely recognized for its outstanding customer service, offering reliable and personalized support to Ford policyholders throughout their insurance journey.
- Affordable Rates: State Farm offers Ford insurance at a competitive $45 monthly rate, making it a top budget-friendly option.
- Extensive Agent Network: Ford owners benefit from State Farm’s vast network of local agents, ensuring easy access to in-person consultations and personalized Ford insurance solutions across the country.
- Comprehensive Coverage Options: State Farm offers a variety of coverage options for Ford drivers, providing comprehensive protection at an affordable $45 per month.
Cons
- Average A.M. Best Rating: With a B rating, State Farm’s financial stability is solid but not as robust as some of its competitors, which may raise concerns for Ford policyholders focused on long-term reliability.
- Limited Online Tools: State Farm’s online tools and app features are basic compared to others, limiting convenience for tech-savvy Ford drivers who prefer digital management.
- Discounts Vary by State: Ford insurance discounts can vary by state, resulting in lower savings for some owners. For a complete list, read our State Farm insurance review.
#2 – Geico: Best for Cheap Rates
Pros
- Lowest Rates: Geico consistently offers some of the lowest rates for Ford insurance, with a monthly premium of just $52, making it an attractive option for Ford owners.
- Superior Financial Strength: With an A++ rating from A.M. Best, Geico is a financially stable insurer, giving Ford policyholders confidence in its ability to meet obligations.
- User-Friendly Digital Experience: Geico excels in providing a seamless digital experience, featuring intuitive online tools that simplify managing insurance policies for Ford drivers.
- Wide Range of Discounts: Geico offers numerous discounts for good Ford drivers and vehicles with safety features, allowing them to lower their $52 monthly premium even more.
Cons
- Limited Local Agents: Geico’s business model is primarily online-based, which may be a disadvantage for Ford owners who prefer face-to-face interactions. Learn more in our Geico review.
- Mixed Customer Service Reviews: Ford policyholders value Geico’s cost savings, but some have concerns about its claims handling, impacting drivers during critical moments.
- No Bundling Discount for Homeowners: Geico does not offer home insurance, so Ford owners looking to bundle home and Ford insurance might miss out on discounts available with other insurers.
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#3 – Progressive: Best for Tight Budgets
Pros
- Flexible Payment Options: Progressive is known for offering flexible payment plans, which is especially beneficial for Ford policyholders.
- Strong A+ Rating: Progressive boasts an A+ rating from A.M. Best, indicating strong financial health, which reassures Ford drivers that the company is dependable in paying out claims for Ford insurance.
- Innovative Tools: Progressive’s innovative tools, such as the Name Your Price tool, empower Ford drivers to customize their Ford insurance coverage.
- Snapshot Program: The Snapshot program rewards safe driving habits with potential discounts, which can lower Progressive’s $55 monthly rate for careful Ford drivers.
Cons
- Rates Can Increase Over Time: Some Ford policyholders report that Progressive’s rates may rise after the initial term, negating initial savings. Read more in our review of Progressive.
- Average Customer Satisfaction: While Progressive offers competitive rates, customer service satisfaction is mixed, with some Ford drivers experiencing issues.
- Limited Agent Availability: Geico and Progressive focus on online and phone services, leading to fewer local agents, which may not suit Ford owners who prefer in-person assistance.
#4 – Farmers: Best for Safe Drivers
Pros
- Safe Driving Rewards: Farmers offers substantial discounts for safe drivers, making it an ideal choice for Ford owners with clean driving records who are looking to maximize their savings on Ford insurance.
- Strong Financial Rating: Farmers Insurance has an A rating from A.M. Best, indicating strong financial stability and efficient claims handling for Ford policyholders.
- Comprehensive Coverage Options: Farmers offers various coverage options, allowing Ford drivers to select the best insurance policy for their needs at a competitive monthly rate of $62.
- Personalized Service: Farmers offers personalized service, providing Ford drivers tailored advice and insurance options. Find out more in our Farmers insurance review.
Cons
- Higher Premiums for Riskier Drivers: Ford drivers with less-than-perfect records might find that Farmers’ premiums are higher compared to other Ford insurance providers.
- Limited Discounts: Farmers offers safe driving discounts but fewer overall savings options than competitors, making it less attractive for Ford drivers.
- Mixed Customer Reviews: Some Ford policyholders have expressed dissatisfaction with claims handling and customer service, which may concern drivers during accidents or issues.
#5 – Liberty Mutual: Best for Affinity Discounts
Pros
- Strong Affinity Discounts: Liberty Mutual offers significant discounts on Ford insurance for Ford owners who are members of partner organizations or alumni groups, making it more affordable.
- Solid Financial Standing: Liberty Mutual provides discounts on Ford insurance for owners who are members of partner organizations or alumni groups.
- Flexible Coverage Options: Liberty Mutual offers diverse Ford insurance options, allowing drivers to customize policies to fit their needs, starting at $67 per month.
- Customizable Policies: Ford policyholders can benefit from Liberty Mutual’s customizable policies, allowing them to adjust coverage options and enhance their insurance plan’s value.
Cons
- Above-Average Premiums: Liberty Mutual’s base premiums for Ford insurance can be higher than competitors, which may deter Ford owners seeking lower rates.
- Inconsistent Customer Service: Some Ford drivers report mixed experiences with Liberty Mutual’s customer service, suggesting support quality varies by representative or location.
- Limited Online Resources: Liberty Mutual’s online tools are basic and may not be as advanced or user-friendly as those from other Ford insurance providers. Read more through our Liberty Mutual review.
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#6 – Travelers: Best for Bundling Policies
Pros
- Excellent Bundling Discounts: Travelers offer significant discounts to Ford owners who bundle their Ford insurance with other policies, leading to overall cost savings.
- Top Financial Strength: With an A++ rating from A.M. Best, Travelers gives Ford policyholders confidence in the company’s financial stability and ability to pay claims on Ford insurance.
- Comprehensive Coverage Options: Travelers provides a wide range of Ford insurance options, allowing Ford drivers to customize their policies to fit their needs at a monthly rate of $72.
- Strong Customer Support: Travelers is known for strong customer support, ensuring Ford policyholders receive prompt assistance with their Ford insurance.
Cons
- Higher Premiums for Single Policies: Ford drivers who don’t bundle may find Travelers’ standalone Ford insurance premiums higher compared to other providers.
- Limited Online Tools: Travelers’ digital tools and mobile app may not be as advanced as those of other Ford insurance companies, potentially reducing convenience for tech-savvy Ford drivers.
- Fewer Local Agents: Travelers have fewer local agents, which could be inconvenient for Ford owners. Learn more in our how can I pay my Travelers insurance premium?
#7 – Nationwide: Best for Widespread Availability
Pros
- Widespread Availability: Nationwide offers convenient insurance coverage for Ford owners in nearly every state. Learn how to file an car insurance claim with Nationwide.
- Strong Financial Health: Nationwide’s A+ rating from A.M. Best assures Ford policyholders that the company can meet its claims obligations.
- Flexible Policy Options: Nationwide offers a variety of Ford insurance coverage options, allowing Ford drivers to customize their policies for $76 per month.
- Vanishing Deductible: Nationwide’s Vanishing Deductible program helps safe Ford drivers lower their deductible over time, saving money in case of a claim.
Cons
- Above-Average Premiums: Nationwide’s base premiums for Ford insurance may be higher than those of some competitors, potentially less appealing to Ford owners seeking affordable rates.
- Mixed Customer Service Reviews: Some Ford policyholders report unsatisfactory experiences with Nationwide’s customer service, especially in claims handling.
- Limited Discounts: Nationwide offers fewer discount opportunities compared to other Ford insurance providers, which could limit savings for Ford drivers.
#8 – Allstate: Best for Local Agents
Pros
- Strong Local Agent Network: Allstate provides Ford owners with easy access to in-person consultations and personalized Ford insurance services.
- Solid Financial Rating: Allstate’s A+ rating from A.M. Best reassures Ford policyholders of the company’s reliability in paying claims for Ford insurance.
- Comprehensive Coverage Options: Allstate allows Ford drivers to customize their Ford insurance policies at a monthly rate of $82.
- Safe Driving Discounts: Ford drivers can reduce their Ford insurance premiums over time with Allstate’s discounts for safe driving habits. Read our Allstate review for a full list.
Cons
- Higher Premiums: Allstate’s base premiums for Ford insurance can be higher than those of some competitors, which may not appeal to Ford owners seeking lower rates.
- Mixed Customer Satisfaction: Some Ford policyholders have reported inconsistent customer service experiences, especially in claims handling for Ford insurance.
- Limited Online Tools: Allstate’s digital tools and mobile app may lack the advanced features offered by other Ford insurance providers, which could be a drawback for tech-savvy Ford drivers.
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#9 – American Family: Best for Costco Members
Pros
- Exclusive Discounts for Costco Members: American Family offers unique discounts to Ford owners who are Costco members, providing significant savings on Ford insurance premiums.
- Solid Financial Stability: With an A rating from A.M. Best, American Family demonstrates solid financial health, reassuring Ford policyholders of the company’s ability to handle claims efficiently for Ford insurance.
- Flexible Coverage Options: AmFam provides a variety of Ford insurance coverage options, allowing Ford drivers to tailor their policies to meet specific needs, all at a monthly rate of $88.
- Strong Customer Service: AmFam is known for excellent customer service, providing Ford policyholders with prompt assistance for their insurance needs.
Cons
- Above-Average Premiums: American Family’s base premiums for Ford insurance can be higher than those of some competitors, which may not appeal to Ford owners seeking the lowest possible rates.
- Limited Availability: American Family’s Ford insurance is not available in all states, which could be a drawback for Ford drivers who live outside of the company’s service areas.
- Reliable Customer Service: In our American Family car insurance review, strong support enhances securing affordable car insurance.
#10 – USAA: Best for Military Members
Pros
- Exclusive Membership Benefits: USAA offers Ford insurance exclusively to military members and their families, providing specialized coverage options and benefits tailored to the unique needs of Ford drivers.
- Top Financial Strength: With an A++ rating from A.M. Best, USAA is one of the most financially stable insurers, ensuring that Ford policyholders.
- Competitive Rates: Despite offering exclusive services, USAA provides competitive rates for Ford insurance, with a monthly premium of $94.
- Excellent Customer Satisfaction: USAA consistently receives high marks for customer satisfaction, particularly in claims handling, making it a trusted choice for military Ford policyholders.
Cons
- Membership Restrictions: USAA is only available to military members and their families, which limits access for other Ford drivers who might be seeking Ford insurance with USAA.
- Higher Base Premiums: Although USAA offers competitive rates, its base premiums for Ford insurance can be higher than those of some competitors.
- Limited Local Agent Availability: USAA operates online and by phone, which may not suit Ford owners wanting in-person help. Learn more about how can I pay my USAA insurance premium?
Cost and Coverage Choices for Cheap Ford Car Insurance: Minimum vs. Full Coverage
When looking for affordable Ford car insurance, selecting the right coverage options is essential. Basic liability coverage meets the minimum legal requirements, but opting for additional coverage can provide more comprehensive protection. Collision coverage covers damages from accidents, regardless of fault, while comprehensive coverage protects against non-collision-related damages, such as theft or natural disasters.
Ford Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$82 $169
$88 $175
$62 $142
$52 $128
$67 $150
$76 $162
$55 $137
$45 $124
$72 $156
$94 $182
Providers like State Farm and Progressive offer these options, allowing you to customize your policy to fit your needs. Although these coverages may increase your premium, they provide greater protection and peace of mind. Consider additional features like roadside assistance, rental car reimbursement, and uninsured/underinsured motorist coverage, which enhance your policy with extra benefits.
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To find the best coverage for your budget, compare options from different providers. Minimum coverage, starting around $45 per month from companies like State Farm, typically includes liability insurance and is ideal for older vehicles. Full coverage offers more protection but comes at a higher premium. Evaluating both helps you choose wisely.
In contrast, full coverage offers broader protection, beginning at $52 per month with Geico and $55 with Progressive. To find the best deal tailored to your situation, enter your ZIP code for free car insurance information, advice & online quotes.
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Maximizing Insurance Savings by Utilizing Security Innovations for Cheap Ford Car Insurance
Incorporating advanced safety features into your Ford can lead to significant savings on insurance premiums, as many providers recognize these technologies’ role in minimizing accident risks.
Features such as automatic emergency braking, lane-keeping assist, and adaptive cruise control can qualify your vehicle for discounts with insurers like Liberty Mutual and Geico, making it easier to find budget-friendly Ford car insurance without sacrificing coverage. Investing in these safety technologies not only enhances your driving experience but also reduces the likelihood of claims, leading to lower insurance rates.
Discounts play a crucial role in making car insurance more affordable. For instance, safe driver discounts reward individuals with clean driving records, while multi-policy discounts apply to those who bundle car insurance with homeowners or renters insurance. Leading companies encourage safe driving habits and provide various savings opportunities.
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, New Car Replacement |
| Safe Driver, Multi-Car, Bundling, Vehicle Safety |
| Good Driver, Multi-Policy, Vehicle Safety, Anti-Theft |
| Safe Driver, Multi-Car, Military, Bundling |
| Accident Forgiveness, Multi-Policy, New Car, Safe Driver |
| Vanishing Deductible, Multi-Car, Safe Driver, Bundling |
| Snapshot, Multi-Car, Safe Driver, Homeowner |
| Multi-Car, Safe Driver, Student Away at School, Bundling |
| Safety Features, Multi-Car, Homeowner, Hybrid/Electric Vehicle |
| Safe Driver, Multi-Car, Military, Bundling |
Top providers offer discounts for safe driving, multi-car policies, and safety features, which can significantly reduce costs. Exploring these discounts is essential, so reach out to multiple providers to see which options apply to you. Additionally, consider insights from our article on best good payer car insurance discounts. to maximize savings. To find the most competitive rates, enter your ZIP code into our free comparison tool.
Efficient Claim Handling for Budget-Friendly Ford Insurance
When choosing affordable Ford car insurance, understanding the claims process is essential. A smooth and efficient claims process can make a significant difference in your insurance experience, especially when you need to file a claim. The ease with which you can navigate the claims process can impact how quickly and effectively you receive compensation after an accident or covered event.
To help you make an informed decision, here’s a step-by-step guide to evaluating and selecting an insurer based on their claims process:
- Research Providers: Investigate major insurers like State Farm, Geico, and Progressive to understand their claims processes.
- Check Online Options: Ensure that the insurers offer online claim submission and tracking to simplify the process.
- Evaluate Support Services: Verify if the providers have dedicated claims support teams to assist you throughout the process.
- Compare Efficiency: Assess the efficiency and user-friendliness of the claims process for each insurer.
- Explore Additional Resources: For more information, review our section on do I have a case for small claims to collect a refund for an overcharged bill?
By following these steps, you can select an insurance provider that offers a streamlined and supportive claims process. This will ensure that you are well-prepared and well-supported in the event of a claim, leading to a more positive and stress-free insurance experience.
Summary: Affordable Insurance Solutions for Ford Cars
In summary, finding cheap Ford car insurance involves comparing rates for minimum and full coverage, exploring available discounts, and understanding various coverage options. Leveraging online tools and digital processes can simplify your search, while an efficient claims process and safety features can further enhance your insurance experience.
Learn more about our car accidents. Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
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Frequently Asked Questions
What is the cheapest Ford Focus to insure?
The cost of insuring a Ford Focus largely depends on its model year and trim level. Typically, older models or base trims with fewer features and a lower market value are cheaper to insure than newer or higher-trim versions. How much does Ford F250 car insurance cost? To find the most affordable option, it’s a good idea to compare quotes from different insurers.
Who provides Ford insurance?
Ford insurance can be provided by a variety of insurance companies, including top providers like State Farm, Geico, Progressive, Farmers, Liberty Mutual, Travelers, Nationwide, Allstate, American Family, and USAA.
Each company offers different rates and coverage options, so it’s beneficial to compare quotes from several providers. Enter your ZIP code below into our free comparison tool to see how much car insurance costs in your area.
Which is better, Ford or Toyota?
The choice between Ford and Toyota depends on individual preferences and needs. Both brands offer reliable vehicles with a range of options. Ford is known for its diverse lineup, including trucks and performance vehicles, while Toyota is often praised for its fuel efficiency and resale value. Personal preference, specific model requirements, and budget will determine which brand is better for you.
Is a Ford Focus expensive to insure?
What is the lowest insurance group for Ford Focus?
The insurance group for a Ford Focus can vary depending on the model and year. Typically, lower insurance groups are assigned to base models with less powerful engines and fewer high-cost features. It’s best to check specific models with insurance groups listed by insurers to find the lowest group for a Ford Focus.
What is the most economical Ford vehicle?
The most economical Ford vehicle in terms of fuel efficiency and overall cost is often the Ford Fiesta or Ford EcoSport. These models are known for their affordability and fuel efficiency, making them economical choices for budget-conscious buyers.
Which type of Ford is the best?
The best Ford vehicle depends on your needs: the Fusion or Escape for daily driving, the Mustang for performance, and the F-150 for utility and towing. Don’t forget to consider how much does Ford C-MAX Hybrid car insurance cost when making your choice.
What is the cheapest Ford car to insure?
The cheapest Ford car to insure is typically one of the smaller, lower-trim models like the Ford Fiesta or Ford Focus. These vehicles generally have lower insurance premiums due to their lower value and lower repair costs compared to larger or more expensive models.
Is the Ford Focus expensive to maintain?
Maintenance costs for a Ford Focus are generally considered to be reasonable. Routine maintenance like oil changes, brake pads, and tire replacements are typically affordable. However, costs can vary based on the vehicle’s age, mileage, and any specific repairs needed. Ready to find affordable car insurance? Use our free comparison tool below to get started.
How much to insure a Ford?
The cost of insuring a Ford vehicle varies based on factors like model, year, location, driving history, and coverage level. For example, a Ford Focus typically costs between $45 and $55 per month to insure. When buying car insurance, it’s best to compare rates from multiple companies for the most accurate quote.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and 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.