Ford car insurance

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1Correct as of March 2024

How much does a Ford cost to insure?

Depending on the model and your own personal circumstances, the price of car insurance for a Ford can vary.

The cost to insure some of the most popular Ford models are:

Model Average price*
Fiesta Zetec (80)
£995
S-Max Titanium TDCi
£756
Focus Titanium 125
£640
KA Edge
£1,026
Kuga Titanium TDCi 4WD
£564
 

*Based on Confused.com data August- January 2024

What affects the price of car insurance?

Insurance costs are determined by a number of factors, these include:

Where you live: living in rural areas that are less built-up could mean you're at less risk of theft. More built-up areas with higher rates of vehicle theft will mean you're likely to pay more for insurance.

Your age: younger drivers are generally considered higher risk by insurers because they normally have less experience on the roads than older drivers. It also means that statistically they're more likely to be involved in an accident.

Your occupation: insurers consider some jobs to be more risky than others. Factors such as how much time you spend on the road, where your car is likely to be kept while you're working or the types of people you're likely to associate with are all taken into account.

Your car: insurers rank vehicles from insurance groups 1 to 50, with 1 being the cheapest to insure and 50 being the most expensive. Where your Ford ranks will be a factor for insurers when working out insurance costs.

Your driving history: having previous claims or driving convictions will impact how much insurance will cost.

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How can I save on my Ford car insurance?

The price you pay to insure your Ford will depend on a number of factors, such as your age and driving history. However, there are things you can do to try and bring down the cost:

Pay annually rather than monthly

By paying annually, you can save up to 38%2 on your car insurance. This is because if you choose to pay monthly, interest will be added to the cost.

Add a named driver with a good driving history

This can be especially helpful if you're a young driver. But make sure you're honest about who the named main driver is. This is known as 'fronting', which is illegal and can result in your insurance being invalidated.

Increase your voluntary excess

The most popular excess amount is £250. Generally, the higher you set your excess, the lower your premium could be. Just make sure you set it at a level that you can afford to pay.

Shop around and compare quotes

Comparing quotes is one of the best ways to ensure you're getting the best deal. Our data suggests the best time to buy your policy is around 18 days before your renewal date2.

Estimate your mileage accurately

Typically, the more miles you drive, the more your insurance will cost. This is because the more driving you do, the more likely you are to put in a claim. Our customers drive 6,600 miles per year, on average2. If you don't drive many miles, a pay as you go policy could suit you better.

Improve your car's security

Add a car tracker, immobiliser or steering wheel lock to help reduce the chances of your Ford being stolen. Parking in a secure garage rather than on a dimly lit street can also help reduce the chances of your car being stolen.

Build up your no-claims bonus (NCB)

Each year you're insured without making a claim, your no-claims bonus will increase. Insurers offer discounts for each year of NCB you build. Some policies will allow you to protect your no-claims discount, so you can make a certain number of no-fault claims in a year and not lose your NCB.

2Based on Confused.com data, December - February 2024.

What insurance can I get for my Ford?

There are 3 levels of car insurance you can choose from:

  • Third-party is the minimum level of insurance legally required to drive in the UK. With this, you're covered if you damage someone else's vehicle or injure them. Your passengers are covered too. However, it doesn't cover theft, damage or repairs needed to your Ford following an accident.
  • Third-party, fire and theft provides cover for everything included with third-party insurance, as well as covering your Ford if it's stolen or damaged by fire.
  • Comprehensive insurance is the highest level of cover you can get. It offers everything included with third-party, fire and theft, as well as cover for you and your car in the event of an accident. Despite offering the most cover, comprehensive insurance could be the cheapest level of cover.

What optional add-ons can I get with my Ford insurance?

Some common optional extras you might consider are:

Motor legal protection means you can claim any legal expenses back if you need to claim following an accident-related injury. Depending on your policy, this can include the cost of solicitors, medical treatments and travel costs.

Personal accident cover covers you if you're seriously injured or die in an accident. The amount paid out will usually depend on how severe the injury.

Breakdown cover provides assistance if you breakdown on the road. Depending on your insurer, there are different levels of cover including roadside assistance, home start, local or national recovery

Windscreen cover will cover the cost of replacing your windscreen following an accident. This cover usually extends to include side and rear windows but check your policy to make sure.

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Page last reviewed: 29/02/2024

Reviewed by: Louise Thomas