Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 20, 2020

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Things to Remember...

  • There are too many variables to be able to give a general answer to which brand of vehicle is cheaper to insure
  • Chrysler and Ford both make affordable and safe vehicles
  • There are many factors that go into determining your insurance rates

Finding the right auto insurance policy is a must for any driver. Even more, finding the right policy at the right cost is probably the thing drivers think about more.

One major factor that dictates your insurance cost is the type of car you drive even if it’s a Chrysler or a Ford.

Finding the right auto insurance policy is a must for any driver. Even more, finding the right policy at the right cost is probably the thing most drivers think about. One major factor that dictates your insurance cost is the type of car you drive even if it’s a Chrysler or a Ford.

Finding affordable car insurance is as easy as entering your ZIP code into the FREE box located on this page!

With many factors that are outside of your control, the type of vehicle you choose is something you can control. What you choose may drastically influence your premium.

In fact, even the make of your vehicle will relatively determine your premium cost. Two companies that have repeatedly produced vehicles with many models that yield cheaper insurance costs are Chrysler and Ford.

Benefits of Chrysler

One of the major contributing factors for higher premium costs is how an insurance company views the vehicle you drive.

Many of the Chrysler models have consistently ranked among the safest vehicles to drive. Because of their safety, Chryslers tend to be cheaper to insure compared to other makes.

However, not every Chrysler model is considered safe. For example, according to the Insurance Institute for Highway Safety, the popular PT Cruiser has good front crash test results, but poor side crash results.

The PT Cruiser, despite its popularity, will probably yield a higher premium than the Town & Country will.

According to the Insurance Institute for Highway Safety, the Chrysler Town & Country yields some of the best safety ratings around.

The vehicle even earned a 2012 Top Safety Pick award. As expected, the Chrysler Town & Country also is one of the cheapest vehicles to insure on the market.

Again, the type of vehicle you drive, even despite a make that is usually cheap to insure, does not necessarily guarantee you a cheap premium.

If you own a Chrysler or are looking to make a purchase, do some research on the model and cost of insurance first.

Many of the Chrysler models have relatively cheap insurance, but you need to double-check with your insurance provider to make sure you know what you are getting into.

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Theft Ratings for Chrysler Models

Another factor that drastically affects your premium is how often your type of vehicle is stolen.

The Insurance Information Institute provides an archived list of vehicles that have made the most frequently stolen list.

Most notably, no Chrysler model has made the list of most stolen vehicles through the years.

Insurance companies want to know the probability your vehicle will be stolen, especially if you have comprehensive coverage on the vehicle. Because of this, lists like this one give insurance companies an educated guess, which will impact your premium.

If the company views your vehicle as safe and less likely to be stolen, you will see a lower premium.

Other Considerations for Chrysler Insurance

Chrysler is a great make to choose if you are overly concerned with high premium costs. There are other factors to consider outside of make, though.

For example, the bigger the engine and the more capable your vehicle is of achieving high speeds, the higher your premium will be. If you plan to purchase or currently own a Chrysler 200, you will almost certainly have higher premiums than average.

Finally, you may want to consider a vehicle’s reliability before making a purchase. Even if you buy a car with a guaranteed lower insurance cost, you want to make sure the vehicle is also a trustworthy drive.

J.D. Power and Associates provides fantastic auto ratings based on consumer reviews, so you can ensure your vehicle will be cost-effective to insure and will be a great car for years to come.

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Benefits of Ford

For the most part, Chrysler and Ford have produced vehicles that have been very similar in the cost to insure. Depending on the model, both makes have pretty good cost-effective insurance plans.

One model from Ford, though, has consistently been one of the cheapest vehicles to insure. The Ford Taurus has great safety ratings, a low vehicular theft rating, and has always been a very cheap car to insure because of these factors.

Not only has the Taurus been a very cheap car to insure, but also others in the Ford lineup have consistently been a cost-effective choice for premiums.  Several Fords have been at the top of lists for cheapest cars to insure for years, including:

  • Escape
  • F-Series
  • Explorer

One of the primary benefits of owning a Ford is the wide range of vehicles that will not break the bank to insure.

In addition, crash ratings for most Ford models have always been good. According to Safe Car, even models like the Ford Mustang have tested extremely well in safety tests.

The Taurus and Escape are also models that have tested well. Again, insurance companies want to cover vehicles that they deem as safe. Ford produces models that meet those criteria.

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Theft Ratings for Ford Models

On the other hand, Ford has two vehicles listed on the Insurance Information Institute’s most frequently stolen vehicles list for 2011. The Ford Pick-up and Explorer are among the top ten.

Even though Ford produces many vehicles that garner great premium rates, a few will yield a very expensive premium depending on where you live.

With that in mind, do not let a frequently stolen list worry you too much. Where you live is also an important factor in determining your premium.

Even though you may have a car that is on a watch list for theft, you may live in a state with the lowest number of auto thefts annually. If this is the case, you may still receive a good deal on your insurance.

To find out more information on the cost of insurance in your local state, check out your state’s Department of Insurance. Each state’s department will have a wealth of information to help you make the most informed decision possible.

Other Considerations for Ford Insurance

Unlike Chrysler, many Ford models also carry hefty price tags for insurance.

If you happen to be driving a Shelby or Mustang, you are guaranteed a high premium. Cars that go fast and have larger engines than normal always yield high premiums. Ford has quite a few models that make that cut.

Be diligent in researching insurance costs for a particular model before making a purchase.

If you already own a Ford model that demands high premium costs, shop around for quotes to find the best deal possible. Simply finding multiple quotes from different companies can really help reduce insurance costs.

Basics of Finding Auto Insurance

Outside of the type of vehicle you drive, there are many other factors that you should consider when shopping for auto insurance. Because auto insurance has become such a competitive market, many insurance providers will vary premium prices greatly.

Every company has a different set of parameters in place for setting premium costs. Getting multiple quotes is the best way to find fairly priced insurance, whether you drive a Ford or a Chrysler.

Another surefire way to get a low premium is to drive safely. Again, insurance companies base a majority of their premium criteria on what they consider safe drivers.

Vehicles are important factors, but your driving record is just as important. If you have a bunch of speeding tickets and a few accidents on your record, it will not matter what vehicle you drive. Your insurance will be expensive.

In fact, if you have enough blemishes on your record, you may find yourself in the dreadful high-risk driver category. However, even if you happen to fall into this expensive category, most insurance companies still provide ways to reduce your premium.

Many times, simply taking a safe driver course can provide you with discounts towards your policy.

Speaking of discounts, be diligent in asking your insurance provider about the variety of discounts they offer clients. You would be surprised how many discounts are available, but you must ask about them.

Often, insurance companies will provide discounts for things like:

  • Having multiple insurance policies with the company
  • Being a student driver
  • Having good grades
  • Paying your policy premium up front

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Credit Scores, Paying Your Bills and More

A final consideration for finding great auto insurance for your Ford or Chrysler is your credit score. Many insurance providers have done research on the likelihood of claims filed by clients who have low credit scores.

Sadly, the statistics show that the percentage to file a claim goes up with a lower credit score.

By paying your bills on time, keeping your credit card debt at a minimum, and being responsible with your money, you will receive lower prices when it comes to finding auto insurance.

You can always check with your insurance provider to find out why and how your premium price was calculated.

Whether it is a Chrysler or a Ford, far too many other factors dictate auto insurance prices to make a decision based on the brand of vehicle alone.

To find amazing auto insurance quotes for any vehicle, simply enter your ZIP code into the FREE search tool on this page!