How much is insurance on a Ford Maverick?

Priced for the 2024 Maverick AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Maverick's rank is the same in every state.

Why the Ford Maverick costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Ford Maverick crew cab pickup 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 76 for crash repairs, 85 for non-crash damage, 91 for damage to others' property, and 90 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average24% better than average4th best of the 9 small pickups we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage15% better than average7th best of the 8 small pickups we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage9% better than averagebest of the 8 small pickups we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 10% less often than average2nd best of the 5 small pickups we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Maverick comes out about 21% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 9% less than average: about $870 a year vs $950. On the liability side, damage to others and injury claims combine to about 10% better than average. We count about half, so that part is about 5% less: $940 a year vs $990.

How the math works

In EPA size classes, the Maverick is a small pickup (gas-powered). In Highway Loss Data Institute loss tables, the Ford Maverick is benchmarked against small pickups.

Matched to HLDI series “Ford Maverick crew cab pickup 4WD” (HLDI, 2022–24 models).

A used Ford Maverick, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Maverick AWD (0–3 years old)	about $1,810	about $940	+$1,190	about $5,190
2022 Maverick AWD (4–7 years old)	about $1,700	about $940	+$1,130	about $4,890

Our catalog covers the Ford Maverick across model years 2022–2026. Full coverage on a used 2022 Maverick (4–7 years old) runs about $1,700 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $940 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Ford Maverick trims, full coverage goes from about $1,790 a year on the Maverick HEV FWD to about $1,910 on the Maverick FWD, because HLDI's loss results differ by body, drive, or powertrain.

• Maverick HEV FWD: about $1,790
• Maverick AWD; Maverick Tremor AWD: about $1,810
• Maverick FWD: about $1,910

On a policy of their own with a 2024 Ford Maverick, a 22–25-year-old pays about $2,350 a year ($540 more than a 45-year-old), a 26–39-year-old about $2,010, and a driver 65 and older about $1,900.

Adding a 16-year-old with a Ford Maverick

Because the Ford Maverick starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,190 a year ($100 a month), $90 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,190 a year, about $4,000 more than sharing the family policy.

For adding a teen driver, the Ford Maverick ranks 31st cheapest out of all 121 models we track. Stepping down to a used 2022 Maverick (4–7 years old) brings the teen add-on to about $1,130 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small pickups

Among these 9 small pickups, the Ford Maverick is the 2nd least expensive to insure. Right next to it are the Honda Ridgeline (about $1,780 a year) and the Toyota Tacoma (about $1,850).

• 2024 Honda Ridgelineabout $1,780 (about the same)
• 2024 Ford Maverickabout $1,810 (this car)
• 2024 Toyota Tacomaabout $1,850 (about the same)
• 2024 Ford Rangerabout $1,860 (about the same)
• 2024 Nissan Frontierabout $1,870 ($60 more)
• 2024 Chevrolet Coloradoabout $1,870 ($60 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Ford Maverick costs in your state

In six sample states, a 2024 Ford Maverick runs from about $1,200 a year in Vermont through North Carolina, Illinois, Oklahoma and Nevada to about $2,380 in New York:

• Vermontabout $1,200/yr · +$790 teen
• North Carolinaabout $1,380/yr · +$910 teen
• Illinoisabout $1,580/yr · +$1,040 teen
• Oklahomaabout $1,660/yr · +$1,100 teen
• Nevadaabout $2,010/yr · +$1,330 teen
• New Yorkabout $2,380/yr · +$1,570 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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