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Liberty Mutual, Allstate, and Nationwide are the best car insurance companies for Fords. All three have great UBI discounts of 30% or more.
Want more choices to pick from? Take a look at the top 10 best and cheapest car insurance companies for Fords below.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | 25% | A | 24/7 Support | Liberty Mutual |
 |
#2 | 25% | A+ | UBI Program | Allstate |
 |
#3 | 20% | A+ | Deductibles | Nationwide |
 |
#4 | 10% | A++ | Military Savings | USAA |
 |
#5 | 25% | A++ | Online Convenience | Geico |
 |
#6 | 10% | A+ | Coverage Options | Progressive |
 |
#7 | 20% | A | Customized Policies | Farmers |
 |
#8 | 13% | A++ | Comprehensive Coverage | Travelers |
 |
#9 | 17% | B | Local Agents | State Farm |
 |
#10 | 25% | A | Claims Service | American Family |
For a full look at each company's pros and cons, read on. Or, compare quotes now to find the best Ford insurance rates near you.
What You Should Know
- Liberty Mutual is the best car insurance company for Fords
- The top companies for Fords have numerous auto insurance discounts
- All Ford vehicles must have at least state minimum coverage
#1 – Liberty Mutual: Top Pick Overall
Pros
- 24/7 Support: Ford drivers can contact a representative 24/7.
- RightTrack Program: Ford drivers can join this program for free to earn rewards for safe driving.
- Accident Forgiveness: Safe drivers could have an accident forgotten, meaning their Ford rates won’t increase.
Cons
- Ford Customer Service: Not all customers are impressed with the service at Liberty Mutual. Read our Liberty Mutual review for more information.
- High-Risk Ford Drivers: DUIs or multiple at-fault accidents will change the affordability of Liberty Mutual insurance.
#2 – Allstate: Best for UBI Program
Pros
- UBI Program: Allstate has a free UBI program that gives discounted Ford rates to good drivers.
- Pay-Per-Mile Insurance: Allstate’s Milewise insurance allows low-mileage Ford drivers to pay for coverage per mile.
- Accident Forgiveness: Allstate forgives an accident if Ford drivers have clean driving records.
Cons
- Ford Claims Satisfaction: Ratings are low for claims services. Read our Allstate review to learn more.
- Teen Rates: Ford owners under 25 will have high rates at Allstate.
#3 – Nationwide: Best for Deductible Options
Pros
- Deductible Options: Nationwide allows Ford customers to choose what deductible they want on their coverages.
- SmartRide Program: Ford owners can join SmartRide for good driver discounts.
- Ford Coverage Options: Extras like gap coverage are available to purchase.
Cons
- Ford Customer Experience: Nationwide reviews show not all customers are impressed with its service.
- Availability of Local Ford Agents: Nationwide has fewer agents stationed in some areas, which limits services for some customers.
#4 – USAA: Best for Military Savings
Pros
- Military Savings: USAA has cheap Ford insurance for its military and veteran customers.
- Ford Customer Experiences: The majority of customers are happy with USAA representatives, which you can read more about in our USAA review.
- Coverage Options: Ford policies can be customized with add-ons like roadside assistance.
Cons
- Eligibility Restrictions: Ford auto insurance is only available to military and veteran drivers.
- Remote Services: Representatives work remotely to serve Ford customers.
#5 – Geico: Best for Online Convenience
Pros
- Online Convenience: Geico’s app is user-friendly and allows customers to change Ford policies online.
- Bundling Discount: Ford customers can bundle Geico renters insurance or home insurance with auto coverage.
- Adjustable Deductibles: Geico customers can choose different deductible amounts on their Ford policies.
Cons
- No Extra Coverage for Leased Fords: Geico doesn’t sell gap coverage for leased Fords.
- Remote Services: Geico doesn’t offer agents locally near Ford customers.
#6 – Progressive: Best for Coverage Options
Pros
- Coverage Options: Progressive has extras like loan lease payoff for Fords. Our Progressive review goes into more detail about coverages.
- Snapshot Program: Safe driving during the program period will reduce Ford rates.
- Budgeting Tool: Ford customers can adjust policies to meet their budget.
Cons
- Snapshot Ford Rate Changes: Poor driving could raise rates on Ford insurance.
- Customer Reviews: Some reviews from Ford customers are less than impressed with Progressive’s customer service.
#7 – Farmers: Best for Customizable Policies
Pros
- Customizable Policies: Ford policies can be customized with add-on coverages and different deductibles at Farmers.
- Available Discounts: Ford drivers can get discounts for good grades, safe driving, and more. Learn more in our Farmers review.
- Local Support: Agents should be available locally near most Ford customers.
Cons
- Have to Buy Accident Forgiveness: Ford drivers will have to pay to add this perk.
- Ford Claim Reviews: Not all customers are impressed. For more rating information, read our Farmers review.
#8 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Travelers has great comprehensive coverage options for Ford owners. Learn more in our Travelers review.
- IntelliDrive Program: Safe drivers will get Ford rate reductions after completing the program.
- Accident Forgiveness: Travelers forgives minor Ford accidents of previously safe drivers.
Cons
- Rates After IntelliDrive: Ford rates could be more expensive after completing IntelliDrive if customers drive poorly.
- Customer Reviews: Some Ford customers are unimpressed with the service at Travelers.
#9 – State Farm: Best for Local Agents
Pros
- Local Agents: Local assistance is available for Ford customers.
- Coverage Options: 24/7 roadside assistance and more can be added to Ford policies. Learn more in our review of State Farm.
- Discount Options: Ford drivers can save with discounts for bundling, safe driving, and more.
Cons
- Financial Stability: State Farm has a low A.M. Best rating compared to other Ford companies on our list.
- Limited Online Management: Most changes to Ford policies will have to be made through an agent.
#10 – American Family: Best for Claims Service
Pros
- Claims Service: The company has decent ratings from customers for its Ford claims services.
- Good Drivers: Clean driving records could result in additional perks and savings for Ford drivers, such as accident forgiveness.
- Coverage Options: Rental reimbursement and more can be added to Ford policies.
Cons
- Bad Driver Ford Rates: Read our American Family review to see how American Family may not be the cheapest option for bad drivers.
- Availability: American Family may not be sold in some Ford owners’ states.
Rates and Discounts at the Best Car Insurance Companies for Fords
Ford rates will vary by state and driving record, but generally, rates at the best Ford companies will average close to the following rates displayed below for good drivers.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $148 | $287 |
| American Family | $123 | $251 |
| Farmers | $130 | $258 |
| Geico | $106 | $218 |
| Liberty Mutual | $128 | $265 |
| Nationwide | $120 | $244 |
| Progressive | $111 | $232 |
| State Farm | $104 | $217 |
| Travelers | $119 | $243 |
| USAA | $102 | $215 |
Ford drivers may be tempted to go with minimum coverage, but bear in mind that minimum liability insurance doesn't cover repairs to owners' Fords if they cause an accident, just other parties' vehicles.
Ford owners can potentially lower rates on their policy if they apply for discounts at the best companies.
Good driver discounts are often a top saver for Ford drivers. The safer a driver is, the cheaper a company will set rates.
In addition to good driver discounts, Ford drivers can also save by bundling policies, insuring multiple cars, and more (Read More: Top Ways Customers Have Saved Money on Car Insurance Rates). Young drivers under 25 can also apply for good student discounts if they have good grades.
While young drivers are often charged more for insurance, taking advantage of good student discounts and other discounts can help make Ford rates more affordable.
Finding the Best Ford Car Insurance Company for You
We found that Liberty Mutual, Allstate, and Nationwide are the best auto insurance companies for Fords, with great coverages and affordable rates. Ford customers buying auto insurance online will find the best deal by comparing rates from the best Ford companies on our list.
To compare rates from the best companies in your area, enter your ZIP in our free quote comparison tool.
Frequently Asked Questions
Are Fords more expensive to insure?
Fords can be slightly more expensive to insure if the Ford model is pricier.
What is the cheapest Ford to insure?
The Ford Fiesta is one of the cheapest models to insure.
What is Ford's least expensive car?
The Ford Fiesta is Ford's least expensive model, which is why it's cheaper to insure (Learn More: Car Make and Model: How does it affect your car insurance rates?).
What is the most expensive Ford car?
The Ford GT is one of the most expensive Ford cars to buy and insure. If you own a Ford GT, make sure to get quotes with our free tool to find the best deal.
What is Ford's high-end car?
Ford's high-end brand is Lincoln.
Is Ford expensive to maintain?
Fords are a little more expensive to maintain than the average vehicle maintenance cost (Read More: Does car insurance cover repairs?).
What is Ford's best seller?
The F-Series is one of Ford's best sellers.
Who is cheaper, Geico or Liberty Mutual?
Geico is cheaper for Ford insurance than Liberty Mutual.
What is the best car insurance for Fords?
Full coverage is usually the best choice for Ford vehicles (Read More: Liability vs. Full Coverage).
Do Fords last longer than Toyotas?
Toyotas actually last longer on average than Fords.