Best Car Insurance for Ford 2022
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From the very first model back in 1903, Ford Cars have always been made and designed places to live by people who love cars. And that's why every Ford car has been built with a uniquely personal touch. So, what are the typical premiums?
If you drive a Ford, on average you'll pay $1,734 annually for car insurance. Your monthly insurance costs may be affected by which model of the car you have. Comparing annual insurance rates for Focus Bevs and Ranger Supercrews, we see that the Focus Bev is $1,715 less per year.
Here's what drivers pay when they switch with Carlay
Check out how much Ford owners saved when they went to Carlay for their insurance:
|Quote Date||Car||City, State||Zip Code||Age||Carrier||BeforeCarlay||AfterCarlay|
|August 13, 2022||Ford Explorer Xls||Gainesville, GA||30501||33||Assurance America||$300/mo.||$64/mo.|
|January 20, 2022||Ford Edge SE||Rancho Cucamonga, CA||91730||32||Progressive||$169/mo.||$107/mo.|
|September 26, 2022||Ford Edge SE||Norman, OK||73069||33||Allstate||$177/mo.||$126/mo.|
|February 15, 2022||Ford Escape XLT||Cleveland, OH||44114||23||Progressive||$270/mo.||$147/mo.|
|September 10, 2022||Ford Ecosport Titanium||Columbia, MO||65202||41||ClearCover||$200/mo.||$167/mo.|
Best insurance carriers for your Ford
- Pricing and Reviews
Many factors are considered by an insurance company when setting your premium, including your age, your driving record, and where you live. Since insurance companies each weigh these risk factors differently, you can expect their pricing to vary, even for the same coverage. The company that charges the least for insurance for Ford vehicles is Assurance America; its annual premium is $1,244.
Ford vehicles are also popular on the following carriers:
These days, insurance companies are offering more digital options than ever before. Ad Nationwide is one of the leading ones. So, if you're an experienced driver with a good credit history, Nationwide is one of the most user-friendly auto insurance providers in the country. Their emphasis on safe driving earns them a 4.6/5 star rating from Carlay.
Progressive is one of the biggest names in the insurance industry. They've got strong financials, offer a huge variety of coverages, and have great discounts. Progressive has also been working on getting into the tech game, too. This makes them a good option for higher-risk drivers, such as young drivers, who are looking to get the best rates they can on car insurance. This company gets a 4.6/5 from Carlay's experts.
For high-risk drivers and those looking for a lower rate, check out Kemper insurance. This is good for drivers who need a little extra help saving money on their car insurance and that have had some trouble with claims in the past. They file SR22 forms and even insure rebuilt salvage cars, which may otherwise be considered too risky to protect.
Safeco auto insurance is a good choice for anyone who's looking for low rates and great coverage. Why? It combines excellent customer service, 24/7 roadside assistance, and a claims-free cashback program. Better yet, you can even use the Safeco iPhone or Android apps to save time on the road. So, it's only natural that Carlay gives Safeco a rating of 4.5 out of 5.
Allstate is one of the most trusted insurance providers in the business. It has a long history of offering affordable policies with great customer service. It offers plenty of digital features and tools to help you better understand your policy, compare rates and shop for new quotes, pay your bill online and file claims if necessary. The company gets 4.5/5 stars from Carlay.
With Travelers, your insurance can be used for personal car use or commercial vehicles. They provide optional add-ons such as new car coverage and accident forgiveness to help lower your insurance premium. They have discounts that let good students and safe drivers save on their insurance premiums. Travelers has a 4.7/5 rating from Carlay based on their customer service and ease of claim process.
State Auto is an affordable option for safe and experienced drivers looking for the most out of their money. It offers a huge range of coverage options, including cheap car insurance rates in Florida, New York and California. The company allows customers to file claims online for maximum convenience, which may be appealing to those who want to save time. Carlay rates State Auto 4.1/5.
National General specializes in insurance for high-risk drivers. In many of the states where it does business, National General has a claims satisfaction guarantee whereby they'll waive your deductible up to $250 if you're not happy with your claims experience. What sets National General apart from other insurance providers is that it provides its customers with an easy way to update personal information, such as address and phone numbers, via a mobile app or website. Well, for what it's worth, Carlay gives National General a rating of 4.1/5.
Car insurance needs are different from person to person. Dairyland recognizes that with a high rating of 4.6/5 on Carlay, a flexible payment plan, and 24/7 live claims support in almost 40 states. It offers low cost insurance to high-risk drivers like young adults, new drivers, and others who may otherwise not qualify for traditional car insurance.
Clearcover is an Australian car insurance company that has been delivering great service to Australians since 2006. Their innovative app enables you to file your claim instantly and pay your bill, while keeping communication online rather than over the phone. Clearcover is also known for having some of the best customer service in the industry. Carlay gives National General a rating of 4.1 out of 5.
- How to compare prices to find the most affordable coverage
Insurance policies are complicated, and every company calculates them differently. With the same coverage, you'll probably get different quotes.
When shopping for insurance, it's easy to be tempted by the cheapest option. But beware of sacrificing much-needed coverage and leaving yourself vulnerable in the event of an accident, all to save a bit of money.
Insurance companies make it easy for you to find a price for your auto insurance. Just enter some personal information, answer a few questions about your vehicle, and get your rate in minutes. If you've done this before, you know how long it can take sometimes.
Carlay will make sure you're getting the most out of your next insurance policy by comparing agents on policy prices and coverage plans. Carlay can get you a competitive quote from the top auto insurance companies in just a few minutes, and then take care of everything—you won't need to lift a finger to change or cancel your policy.
Getting competitive quotes is quick and easy. Once you decide on a plan, Carlay will handle the rest—you won't have to lift a finger to finalize your new plan or cancel your old one! And because Carlay reviews your policy every 6 months, you can expect your policy to reflect the best coverage available at the most competitive price.
Here is a breakdown of how much Carlay customers save when they sign up for the service:
|Rank||Company name||Avg. Annual Premium|
Whether you're looking for your first car insurance policy or you're a veteran driver, Carlay is the best way to find the right policy for you. The simple, user-friendly interface allows you to compare quotes from multiple carriers in just a few minutes. With Carlay, finding the right policy is easier than ever.
Cost of insuring a Ford
- Cost of insuring with minimum coverage and full coverage
Should you purchase minimum automobile insurance or maximum coverage when driving your Ford, the average annual premium is $1,775 or $2,354 per year. When you take all cars, insurance companies, and policies into account, the average motorist pays $1,783 per year for liability coverage and $2,485 for comprehensive and collision coverage.
Your Ford's insurance premium will vary based on your coverage options. Every state requires basic coverage, but there are other options you may choose to add. Here is a list of the types of insurance your state may require:
|Coverage type||Protection offered|
|Bodily injury liability (per person and per accident)||Pays for the costs associated with the injuries you've caused to others|
|Property damage liability (per accident)||Pays for the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist protection (per person and per accident)||Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage|
|Underinsured motorist protection (per person and per accident)||Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage|
|Personal injury protection (per person and per accident)||Pays for your own medical expenses after a car accident|
These are the minimum amounts of coverage that are legally required for your Ford vehicle. You may want to consider purchasing additional optional coverages, in addition to these policy requirements.
Accidents can be costly, even if they aren't your fault. If you are at fault for an accident but don't have the proper coverage, you will owe the costs unless you have adequate protection.
You may need to purchase full-coverage car insurance if your Ford is leased or financed. You should also consider such insurance if you can't afford to replace the car in case of a total loss.
When people talk about full coverage, they are usually referring to a car insurance policy that includes collision insurance and comprehensive insurance, along with the liability coverage required by state law.
|Coverage type||Protection offered|
|Collision||Applies if you get into a collision with someone else's vehicle or an object|
|Comprehensive||Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism|
Here's how much a Ford costs to insure, broken down by minimum coverage and full coverage with Carlay.
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$2,412|
|All Coverage AfterCarlay||$1,603|
|Minimum Coverage BeforeCarlay||$2,297|
|Minimum Coverage AfterCarlay||$1,286|
|Full Coverage BeforeCarlay||$2,811|
|Full Coverage AfterCarlay||$2,021|
- Cost of insuring based on age and driving record
The age of the driver and his driving record can affect the cost of coverage. The older you get, and the more driving experience you have, the lower your rates will go. Young drivers often pay more for car insurance coverage than experienced drivers.
Being cited for a traffic violation will probably result in an increase in your premium. However, these violations should not have much of an effect unless they are very serious such as driving under influence (DUI). Rates will most likely only go up by a small amount, and most violations will be on your record for at least three years.
You'll love this. If you do your best to drive safely, pay attention to the road, and keep a clean driving record, your auto insurance premium will be lowered.
Here's how accidents and violations affect car insurance costs for Ford owners by age group:
- Cost of insuring popular models
Ford has a big lineup of vehicles, some that are more expensive to insure than others. Repair and replacement costs differ between models, so it's smart to learn what you can about their insurance rates before you buy. As you probably already know, the insurance premiums on expensive cars are generally higher than those on other models.
But regardless of the type of car you drive, Carlay Insurance can help you lower your insurance premiums.
Carlay is the licensed expert that you can count on to find you great deals on car insurance. This allows you to spend less time fighting with your insurance company, and more time driving around in your new car. Just download the app, answer a few simple questions and in seconds get an instant quote from top carriers. Switching your coverage has never been easier when you sign up with your existing insurance company through Carlay. Carlay users save, on average, $879 a year on car insurance.
To learn more about car insurance costs for some of the most popular makes of car, check out the links below.
- Cost of insuring your Ford by year
Most and least expensive years of car
While it's true that newer cars have a certain beauty and shine to them, they also tend to cost more in insurance. Keeping your car for a few more years is a great way to boost your savings. When you do trade in your older car, remember that it can also give you a fair price on a car upgrade.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. Your less-valuable car will cost you less in insurance payments, too.
It's important to consider that if you choose to finance your car, you will most likely be required to have full coverage insurance. This type of insurance provides protection for you and your lender while the loan is being paid off. Your loan payments plus your insurance premiums are what make up your total monthly vehicle expense.
Carlay's data shows that the cheapest Forbes tend to be from 1987 and 1998 and that 2016 and 2018 ones cost the customers more.
|Year||Average Cost||Annual Savings withCarlay|
Older Fords—which can be less expensive to fix or replace than the newer models and which may not be leased or financed—often have lower insurance rates.
- Cost of insuring a Ford in your city
Are you wondering which cities have the highest crime rates? Insurance rates can be affected by your location, no matter where you drive. While you can't control the weather or problems with the local infrastructure, you might be surprised to learn which cities have the highest crime rates and just how much that can impact your coverage.
Insurance companies look at risk when determining your premiums. If your city has a lot of car accidents, thefts, or severe weather, you can expect to pay more for insurance.
Based on our most recent survey, Ford is a popular car brand among drivers in major cities such as Houston (TX), San Antonio (TX), Jacksonville (FL), Atlanta (GA) and Phoenix (AZ). If you're looking for the cheapest car insurance deal, you might try searching in Herriman, UT and Sealy, TX. If you're looking for the most expensive car insurance deal, you might try searching in Newberry, FL and Essex, MD.
|City||Average Cost||Annual Savings withCarlay|
|Eagle Point||$4,308||$846||Compare Prices|
|San Antonio||$2,610||$660||Compare Prices|
Higher insurance premiums are common in areas with a high rate of theft, crashes, or extreme weather events.