If you are in the market for Ford car insurance, you are likely a Patriotic individual who will only buy American made cars. If so, then Ford models are at the top of your car buying list. Whether you are looking at the smaller Ford Focus models or the fancier and more expensive Ford Expedition, you are exercising pride in your country by choosing to purchase a Ford. Once you have decided to buy a Ford, it is a good idea to look into the cost of owning that vehicle, particularly the cost of car insurance.

Vehicle Features Affect the Price of Ford Car Insurance

It might be obvious that the Ford Focus costs less money to ensure than the Ford Expedition, but when you are looking at Ford models that are more closely priced; the pricing structures might surprise you. For example, the average insurance cost for a Ford Focus is about $1350 annually. Whereas, the Ford Escape, with an MSRP starting at $21,020, only costs about $1045 year to ensure. Considering that youll pay about $4,000 less for the focus this might catch new car buyers off guard.

The main difference for the $300 per year cost difference is that the Ford Escape is a safer vehicle to drive than the Ford Focus. One reason the Ford Escape is considered safer is the way the structure, or safety cage, is designed. According to the Insurance Institute for Highway Safety, in a frontal, offset car crash, there is a reduced risk of bodily injury in an accident with a Ford Escape than in an accident with a Ford Focus. This helps explain why insurers will charge you less for insurance on a Ford Escape.

Model Year Also Affects to Price of Ford Car Insurance


Another factor that might affect the rates insurance on your new-to-you Ford is how old it is. You may remember there was a time when it was not standard to include common safety features like alarms or theft prevention devices. Even the My Key™ and Ford Sync features were only added within the last few years.

For this reason, you may find that newer models, while more expensive to buy, may actually be less expensive to insure. These newer safety features give insurers optimism that they will be less likely to be stolen and more likely to be recovered if the systems are bypassed.

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