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Car Insurance Quotes for a Ford Crown Victoria

Are You Getting the Cheapest Car Insurance Available for a Ford Crown Victoria?

Ilustration of Ford-Crown-Victoria

How Much Is Car Insurance for a Ford Crown Victoria?

The average annual premium for a Ford Crown Victoria auto insurance policy is $1,848 for full and $960 for minimum coverage. Known for many decades as “the best cop car of all time,” the Ford Crown Vic was officially retired in 2010, although some departments – and people – still drive this iconic sedan.

Every driver must have auto insurance to meet all legal driving requirements. The two most common policy options worth considering are liability-only and full coverage.

Freeway Insurance is fully prepared to assist you with multiple affordable options. Reach out to us — whether by phone, in person, or through our website—for a friendly chat tailored to your budget and coverage requirements.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Ford Crown Victoria to Other Vehicles

There are many reasons why Crown Victoria drivers pay different premiums than drivers of competing makes and models like the Chrysler 300, including vehicle cost, safety ratings, theft rates, performance, horsepower, and safety features.

Make/Model Annual Full Coverage Insurance
Ford Crown Victoria $1,848
Lincoln Town Car $1,326
Cadillac DTS $1,344
Chrysler 300 $1,766
Lexus LS $2,366

Types of Car Insurance Coverage for a Ford Crown Victoria

Two options Ford Crown Victoria drivers may consider are state-required minimum lliability-only and full coverage.

Both policies fulfill all requirements to drive legally in your state. Deciding between either depends on your risk profile, budget, and coverage needs.

Full Coverage

Full coverage policies typically consist of liability, collision, and comprehensive.

Adding collision and comprehensive to the mix allows policyholders to enjoy broader financial protection, with insurance footing the bill to pay for the cost of collision and collision-related incidents such as vehicle-to-vehicle, vehicle-to-object, and rollover collisions, as well as damages and loss sustained when the driver is not behind the wheel.

Remember that full coverage does not include optional items like rental car reimbursement. However, common selections like uninsured/underinsured motorist coverage and personal injury protection (PIP) are required in some states.

State Minimum Liability

State minimum liability refers to the minimum amount of insurance that every driver must carry, with specified limits for bodily injury and property damage.

Bodily injury liability covers medical expenses, rehabilitation sessions, and loss of income for third parties involved in an accident you cause. Property damage liability does the same, covering damage to third-party property up to specified limits.

Every state has minimum liability requirements expressed as three numbers. For example, all Alabama drivers must carry a 25/50/25 policy, translating to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $25,000 in property damage. Not surprisingly, opting for higher liability limits, e.g., 100/300/100, will provide greater peace of mind.

Individual Factors That Influence Pricing for the Crown Vic

Three critical factors that auto insurance companies use to determine the cost of your premiums are driving record, coverage limits/deductibles, and age/gender.

Driving Record

If you have one at-fault accident, two claims, and three traffic infractions on your record, expect to pay higher premiums than drivers with clean driving records, as you are considered a higher risk to insure.

Selected Coverage

The amount of coverage and deductibles you choose affects how your premiums are calculated. Lower coverage limits and higher deductibles result in lower premiums, as more of the risk is passed on to the policyholder to pay for damages and injuries in an at-fault accident.


Age and gender play an important role when underwriters determine a driver’s premiums. Young, new drivers will always have a larger premium than more mature drivers. This is because young drivers do not have a driving history and belong to a group that files many claims. As they age, young drivers can see their rates go down significantly if they drive safely and gain points for no claims, citations or accidents.

Ford Crown Victoria Police Interceptor of the NYPD.



How Does a DUI Affect Insurance Rates?

Those convicted of DUI can expect some serious financial consequences.

For starters, you will see higher premiums, compensating for your new classification as a high-risk driver. Additionally, your insurance company may decide not to renew your policy, forcing you to seek coverage from a specialty provider focusing on high-risk drivers. Rates may end up doubling or tripling pre-DUI premiums.

Additionally, many states require that your insurance company file an SR-22 on your behalf, a certificate of financial responsibility that lets the state and providers know you’re carrying the minimum coverage required.

Lastly, expect limited coverage options. Remember, good driver discounts are awarded to drivers who maintain clean driving records for the past three to five years, so any DUI conviction will wipe that slate clean. You may need to shop around to find affordable DUI solutions.

What Are Some Car Insurance Discounts for a Ford Sedan?

  • Defensive Driving. In exchange for learning how to navigate slippery roads and other safe driving behaviors as part of an approved and accredited course, you can enjoy a small discount.
  • Multi-Vehicle. Similar to multi-policy, insurers appreciate policyholders who cover multiple vehicles under the same policy, with reduced rates for every vehicle.
  • Low Mileage. Some insurers offer discounts if you drive infrequently or less than the average number of miles per year, as you’re considered a lower-risk driver.
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What Are Some of the Characteristics of the Ford Crown Victoria?

This is a vehicle in the sedan segment, discontinued in the mid-2010s. It came in two trim levels: base and LX.

Standard features include analog brakes, low-speed traction control, a single key entry system, a rear window defroster, and a hidden radio antenna.

Main competitors are the Dodge Charger, Chevrolet Impala, and the Buick LaCrosse.

Find the Best Car Insurance Rates Online for the Ford Crown Victoria Today

Freeway Insurance is ready to lend a hand if you want to purchase a new, affordable auto insurance policy.

You may contact Freeway Insurance in one of three ways. Visit us online for a fast and free quote, stop in at one of our locations, or call (800) 777-5620 to speak with one of our advisors, who can provide a free quote at no cost. We look forward to hearing from you today!

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