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Ford insurance

The first car manufacturer to introduce the assembly line, Ford is now well-known for its range of cars of all shapes and sizes, from the city friendly Ka, to the family-oriented C-max, right through to the high-powered Focus RS

Today, Ford’s range of cars are known for their good looks and affordable quality. Their cars appeal to people of all ages, genders and backgrounds, and can fit a variety of uses.

Just four models in the Ford range (the Cortina, Escort, Fiesta and Focus) have held position 1 in the UK’s top selling new car lists since 1972, whilst simultaneously making regular appearances in ‘Top 10 used car’ lists as well.

To help you understand the insurance and running costs you can expect from your Ford, in the tables below, we’ve collected some of the key statistics from the current range that will impact these areas.

  • The ABI (Association of British Insurers) allocate insurance groups to most vehicles on UK roads, which insurers typically use to help calculate premiums. Generally, the higher the ABI grouping, the higher the premium
  • Insurers also rate on a range of factors about you, your driving history, and the vehicle you are driving. Insurance groups are a good way of quickly seeing how much of a risk insurers consider a vehicle to be

We also have a large collection of articles and guides on car insurance, which you might find useful, including how car insurance premiums are calculated, and how ABI groups are allocated.

Ford C-Max

The C-Max could be seen as a cross breed between the Fiesta and the Focus. Although it uses attributes from Ford's more popular vehicles, it has been designed with family practicality in mind.

Reliability Index voted the C-max as 'good' in regard to its reliability. This score is based upon the number of times the car fails to start, how long it is off the road due to repairs, the cost of the repair and the average age and mileage of that particular vehicle recorded on their database. With this score, it could mean more time on the road for you and less time in the garage for your trusty car.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
LX 1.3-1.8 10-18 D-H
Style 1.6-2.0 12-20 C-J
Ghia 1.6 15-23 E-J
Zetec 1.0-2.0 10-22 C-J
Titanium 1.0-1.2 10-23 C-J
Titanium X 1.0-1.2 14-22 C-F

Ford Escort

The Escort was considered by many to be the #1 affordable family car in the UK for much of its production lifetime, with many car enthusiasts sad to see its reign come to an end. Luckily, they are still available to buy second hand across the country, and we can still compare cheap car insurance quotes to help keep them on the road!

Despite their rally track record, the range of engine options for on-the-road Escorts is fairly limited, typically between 1.4 and 1.8 litres.

This means their recommended ABI insurance group range is similarly limited, with just a few exceptions in the cabriolet class.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
Cabriolet (90-98) 1.6-1.8 22-30 -
Estate (90-01) 1.6-1.8 15-17 I-J
 Hatchback (80-90) 1.6 13 -
Hatchback (90-01) 1.4-1.8 11-17 I-J
Saloon (91-99) 1.3-1.8 11-21 -

Ford Fiesta

With a reputation for being fun to drive, having excellent handling, cheap to run and affordable in general, the Fiesta’s popularity over the last 30 years isn’t so surprising. It was however also reported to be 2nd among the UK’s most stolen cars in 2013 (though this could be because there are so many of them on the road).

With an engine range (across generations) from 1.0 to 2.0, the Fiesta seems to have something for all types of drivers, from its small hatchbacks to sedans and vans. This goes some way to explaining why the potential insurance groups for the Fiesta are so diverse, from 7 right up to 30.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
Fiesta (89-97) 1.1-1.8 9-30 -
Fiesta (95-99) 1.2-1.8 9-15 -
Fiesta (99-02) 1.2-1.8 9-19 E-H
Fiesta (02-08) 1.2-2.0 7-28 C-I
Fiesta ST (05-08) 2.0 26 I
Fiesta (08 on) 1.0-1.6 3-17 A-G
Fiesta ST (12 on) 1.6 30 E

Ford Focus

Boasting a wealth in variety, available Focus models range from the 1.0 litre EcoBoost up to the sportier 2.5 litre ST models, so premiums can vary drastically depending on the model you own.

If you're looking for power, the Focus RS or ST might be just what you've been looking for. Do bear in mind however that this additional power is likely to result in higher insurance premiums.

If you're looking for a Focus that is cheaper to get on the road, the standard one litre hatchback could fit the bill. It is typically grouped well by insurers when compared to other Focus' and its smaller engine will also help when it comes to buying your road tax.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
C-Max 1.6-2.0 10-24 C-J
Coupe Cabriolet 1.6-2.0  12-21 H-J
Estate 1.0-2.0 9-31 A-K
Hatchback 1.0-2.0 6-31 A-K
RS 2.0-2.5 19-38 G-J
Saloon 1.6 10-18 G-K
ST 2.0-2.5 34-36 K

Ford Fusion

The Fusion is a vertically enlarged version of the Fiesta. It features increased ground clearance, a taller roof and dual roof racks.

The most recent incarnation of the Fusion, the MK 2, was released in 2005 in the U.K. in Style+, Zetec and Titanium trim levels.

As the Fusion is no longer in production, parts are likely to become more and more difficult to source over time. This can lead to growing repair bills across the range of Fusions still on our roads. One way to avoid being hit with spiraling repair bills should you have to make a claim is a fully comprehensive policy.

Where third-party fire and theft policies will only cover you for what its name suggests: Third party damage, fires and thefts, fully comprehensive insurance allows you to make a claim even if the accident was your fault and could save you a large repair bill.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
1 1.4 7 C-G
2 1.4-1.6 8-13 C-G
Pursuit 1.4 9 D-G
Style 1.4 8-9 C-G
Style+ 1.4 9 C-G
3 1.4-1.6 8-13 C-I
City 1.4 8-9 C-G
Zetec 1.4-1.6 9-14 C-I
+ 1.4-1.6 9-14 C-J
Titanium 1.6 14 C-I

Ford Galaxy

Now in its third generation, the Galaxy is undeniably popular throughout the UK and has even gone on to inspire other Models like the S-Max. This spacious MPV combines advanced technology and elegant design with safety resulting in a smooth school run and relieving the stress of a big family holiday.

Due to the nature and size of the car, the Galaxy could be expensive to repair. A newer Galaxy could also set you back a bit, so, if you're looking at saving some pounds and need a people carrier you could do a lot worse than picking up an older and used Galaxy. However, pick up an older model with a poor service history and you could be in trouble.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
LX 1.8-2.3 16-26 H-L
Silver 1.6-2.3 23-26 I-K
 Zetec 1.6-2.3 16-26 I-K
Ghia 1.8-2.8 17-31 G-L
Ghia Elegance 1.9 26 I
Edge 1.8-2.0 16-20 E-L
Titanium 1.6-2.2 17-26 E-J
Titanium X 1.3-2.2 18-27 E-J

Ford Ka

The Ka was first introduced as a small and low cost addition to the range but proved to be highly popular worldwide. Now in its second generation, this funky and friendly small car is perfect for new drivers due to its nimble handling and low running costs.

Research constructed by the team found that the Ka is one of the cheapest cars for a 17-20 year old driver to insure. The low running and insurance costs could also be beneficial to city dwellers that are looking at saving a bit of money on their commute.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
Studio 1.2-1.3 2-10 C-F
Style 1.2-1.3 3-11 C-G
Grand Prix 1.2 3 C
Metal 1.2-1.3 5-6 B-F
Zetec 1.2-1.3 3-11 B-F
Edge 1.2 3 C
Tattoo 1.2 3 C
Digital 1.2 3 C
Titanium 1.2-1.3 3-4 B-C
StreetKa 1.6 15 J
SportKa 1.6 15-16 I
Design 1.3 10 F

Ford Kuga

The Kuga is a compact SUV with a difference, available as both a 4x4 and a 4x2. Depending on the model you go for, the MPG is very respectable for an SUV, boasting up to 53mpg with fairly low emissions of about 139g/km using the 2.0 TDCi Titanium X 2WD as an example.

The Kuga first entered the market in 2008 with aspirations of reaching a high end market with their limited Zetec and Titanium range.

The Kuga received the maximum five stars for adult occupant safety from Euro NCAP and four for child safety. It also got three stars for pedestrian safety, which is higher than many cars get, especially SUV’s.

Specification Euro NCAP Typical ABI Group Range* Tax Bracket Range
1.6 EcoBoost (2012 on) 5 20-23 G-I
2.0 TDCi (2012 on) 5 20.24 E-G
2.0 TDCi (08-12) 5 18-23 G-I
2.5T 5 22-25 L

Ford Mondeo

The first Mondeo rolled off the production line in 1992 ready for its launch early in 1993. It was a front wheel drive replacement for the rear wheel drive Sierra. Since then the car has evolved to the fifth incarnation in the 2013 model which hit UK shores in 2014. It encompasses new technology like their EcoBoost engine, Ford Easy Fuel which stops you from putting diesel in a petrol engine, or vice versa and Start Stop technology.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
Mondeo Estate (00-07) 1.8-3.0 17-33 G-L
Mondeo Estate (07-on) 1.6-2.5 12-27 C-K
Mondeo Hatchback (00-07) 1.8-3.0 17-33 F-L
Mondeo Hatchback (00-on) 1.6-2.5 12-28 C-K
Mondeo Saloon (00-07) 1.8-3.0 17-34 F-L
Mondeo Saloon (07-10 1.6-2.5 12-27 F-K

Ford Puma

Ford launched the Puma in 1997, shortly after the Ka, and stopped selling it in 2002, after ceasing production in  2001. A small, 3-door coupe, the Puma is considered to be a great car to drive and relatively cheap to run. Underneath the feline looks the car is based on the ever-popular Fiesta.

If you are going to buy a Puma, be careful as they haven’t been produced since 2002, which means even the newest car will start to show its age. The good news is that because it is based on a Fiesta, replacement parts could be fairly easy to come by.

Amazingly, the Puma is still winning awards, as recently as 2011 when it won a prestigious What Car award for 'Best gem for under £1000'.

Specification Engine Capacity Typical ABI Group Range* Tax Bracket Range
Standard trim H-I 1.4-1.7 19-25
Black I 1.7 27
Thunder I 1.7 23
Millennium I 1.7 27

Ford S-max

Ford designed this car as a combination of an MPV and an SAV, ultimately built for families as it comes with 7 seats as standard.

With the car tax bracket going from E - L for this car and its various specifications, depending which you pick you could be paying anything from £125 to £475 for a 12 month period. If it is the latter, you're likely to be seeking a great deal on your car insurance to help cover the increased car tax cost, in which case you've come to the right place.

Specification MPG Range Typical ABI Group Range* Tax Bracket Range
1.6 EcoBoost & Titanium 40-54 16-19 E-G
1.8 TDCi 45 14-15 G
2.0 EcoBoost &TDi 34-47 14-27 G-J
2.2 TDCi 39-42 22-26 H-J
2.3 Edge - Titanium  29 15 L
2.5 Zetec & Titanium 30 24 K

*Information sourced from / the Ford website

Did you know?

  • Established - June 16th, 1903
  • Founder(s) - Henry Ford
  • Headquarters - Dearborn, Michigan, U.S.
  • Divisions - Ford, Lincoln, Motorcraft

Henry Ford founded his company in 1903, building the Model T for a mass market in 1908. Since then his company has gone on to build a number of equally iconic cars, famous and recognised the world over, including the Mustang, the GT40, the Fiesta, Escort, Sierra and the Transit.

Like many American car manufacturers, Ford started in Detroit and was headquartered there for many years. However, now Ford’s global HQ can be found in Dearborn, USA. It’s the fourth largest car manufacturer worldwide and owns a stake in Mazda. At one time it also owned Aston Martin.

You can find more information about how your insurance premiums are calculated by browsing our collection of articles and guides to the right, or for a better idea of what insuring your Ford is going to cost, why not run a quote with It’s quick and simple, and in just a few minutes we can compare dozens of providers and get our best quotes direct to you. QuickQuote Logo

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