Looking for an Affordable Vehicle to Insure? Ford Has You Covered
It’s no secret that car insurance costs have risen sharply in recent years thanks to higher repair costs, inflation, and more expensive vehicle parts. That’s why many Albuquerque drivers are now factoring insurance rates into their buying decisions.
Luckily, Ford owners have some great news. Several Ford models are currently recognized among the cheapest vehicles to insure in 2025, making them smart picks for value-minded drivers who don’t want to compromise on performance or safety.
Ford Escape: Among the Top 10 Cheapest SUVs to Insure
According to Insurify, the Ford Escape ranks fifth overall among the least expensive SUVs to insure in 2025, with an average monthly full-coverage quote of just $171.
That places the Escape ahead of the Chevrolet Suburban, Toyota Highlander, Chevrolet Equinox, and Mazda CX-5.
👉 Key Takeaway: The Ford Escape continues to deliver outstanding value with its blend of efficiency, safety, and low ownership costs, including insurance.
🔗 Learn more about the Ford Escape at Power Ford in Albuquerque.
Ford Ranger: One of the Cheapest Vehicles Overall to Insure
In the same Insurify report, the Ford Ranger ranked seventh cheapest vehicle to insure overall, across all vehicle types. With an average monthly quote of $163, the midsize pickup proves that capability and affordability can go hand in hand.
That makes the Ranger an appealing option for drivers who need truck utility without high ongoing costs.
🔗 Explore the Ford Ranger lineup available now at Power Ford.
Ford F-150: Still a Leader in Affordable Insurance
The legendary Ford F-150 was recognized by Mercury Insurance as one of the cheapest trucks and SUVs to insure in 2025.
While exact premium averages weren’t disclosed, Mercury noted that the F-150 consistently lands near the top of affordability rankings thanks to its strong safety ratings, wide availability of parts, and long-standing reliability record.
🔗 Discover current offers on the 2025 Ford F-150.
F-150 Lightning: One of the Least Expensive EVs to Insure
Electric vehicles typically cost more to insure, averaging about $44 higher per month, according to Mercury, but the Ford F-150 Lightning breaks the trend. It was listed among the top ten cheapest EVs to insure in 2025, thanks in part to its robust safety systems and trusted truck platform.
That’s great news for drivers exploring the EV transition who still want to keep long-term costs in check.
🔗 Interested in going electric? Check out the Ford F-150 Lightning.
Why Insurance Companies Favor Ford
Insurance rates depend on more than just the sticker price. Insurers evaluate factors such as:
- Safety ratings and driver-assist features
- Repair and parts costs
- Accident frequency and claims history
Ford vehicles, equipped with advanced safety tech like Ford Co-Pilot360™, tend to perform well in these areas. That translates to lower risk and lower premiums for owners.
Smart Savings, Smart Choice
With insurance costs continuing to climb, vehicles like the Ford Escape, Ranger, F-150, and F-150 Lightning prove that you can drive confidently without overpaying.
Whether you’re looking for a fuel-efficient crossover, a rugged truck, or a future-ready EV, Ford delivers a strong combination of performance, protection, and value.
Ready to find your next affordable-to-insure Ford?
👉 Visit Power Ford in Albuquerque or schedule a test drive today.
FAQs: Cheapest Ford Vehicles to Insure
Which Ford model is the cheapest to insure?
The Ford Ranger ranks among the cheapest overall, with an average monthly premium around $163, according to Insurify.
Is the Ford Escape expensive to insure?
Not at all! It’s currently one of the top 10 cheapest SUVs to insure, with rates averaging around $171 per month.
Do Ford trucks have high insurance rates?
No — both the Ford F-150 and F-150 Lightning are recognized for low insurance costs compared to other trucks and EVs.
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