Ford car insurance

Home
Car insurance
Car manufacturers

How much does a Ford cost to insure?

Ford car insurance prices vary. So, we’ve put together a rough guide of the more popular models and what you might expect to pay.

Although, your circumstances can also influence your Ford car insurance costs, including your:

Age
Driving experience.
Claims history.
Profession.

One of the most popular Fords on the market is the Fiesta. Of the different styles of Fiesta, the Zetec is one of the most sought after.

The Fiesta Zetec is in insurance group 5 and could cost you around £985* to insure. This hatchback first came on the scene in 2017 and has proved to be a popular choice ever since.

For a family-friendly car, the Ford Focus is an ever-popular all-rounder. Again, the Zetec version of the Focus seems to be the most popular. On average they cost £924* to insure.

On the higher end of the scale is the Ford Mustang GT which, with an average insurance cost of £2,688*. It sits in insurance group 43. This could be due in part to its famous name and scarcity in the UK.

According to Parkers, The Mustang GT tends to sell for up to £59,000, so it might be considered a dream car for some.

*These prices are an average based on the model, and all our customer quotes from 12 February to 12 May 2022. This includes different locations, driving background and other factors. Your own quote could be cheaper or more expensive depending on your personal circumstances.

All information on this page was last reviewed on 29/07/2022.

Ford Ka

The Ford Ka has been on UK roads since the mid-1990s. The last standard Ka model was sold between 2009 to 2016, after which the Ka Plus and Ka Plus Active emerged.

The 1.2 Ka Zetec (Start Stop) was still in production in 2016, unlike the standard Ka Zetec. This model stopped being sold new in 2010.

These models tend to be a little more expensive to insure than some other Ford models. This is possibly owing to the use of the Start Stop technology, which helps to improve fuel efficiency.

Insurance for a Ford Ka is likely to cost around £781*.

Ford Mondeo Zetec

The Ford Mondeo Zetec has been running on UK roads for more than 27 years now. It replaced the Sierra, which itself replaced the iconic Cortina.

Unsurprisingly, the Mondeo Zetec TDCI (140) is popular among Ford owners. The 1.6 litre diesel hatchback has a top average insurance cost of £874*.

But, given that newer Mondeo Zetecs are in insurance group 17, the average may be skewed by the many older models on the road.

Ford Focus Titanium

This top spec Ford Focus is the manufacturer's rival to BMW Series 1 and upper end Volkswagen Golfs.

Features include 16" 6X2 alloys, full fixed LED headlights, keyless entry and keyless start, cruise control and an adjustable speed limiter.

Insurance for a Ford Focus Titanium is around £814*.

Other popular Ford Focus trims include Active and Zetec.

Embracing the electric revolution

Like many other leading car manufacturers, Ford has caught the green bug and has been developing a range of electric and hybrid fuel cars. Here we look at four of their electric and hybrid range:

Ford Mustang Mach-E

When the all-electric Mustang Mach-E GT launched in late 2021 it became the most powerful model in the Ford Mustang range. It can reach 62 mph from a standing start in 4.4 seconds (extended range) or 3.7 seconds from a rolling start with a top speed of 124 mph.

This five-seat number will travel up to 310 miles on one full charge, or 61 miles following 10 minutes of charging. Total time for up to 80% charge is 45 minutes.

The Mustang Mach-E GT is available in three colour options, including Grabber Blue and Cyber Orange, and features 20-inch cast allow wheels.

The interior trim has grey perforated suede-like fabric seats. As for cost, this Mustang retails for £67,225 and upwards. Insurance for the Mustang Mach E could cost you £887*.

Ford Fiesta Trend EcoBoost Hybrid 125

The 1.0 litre EcoBoost Hybrid mHEV 125 Trend was launched in July 2020. It's got a 123 bhp engine and a top speed of 124 mph. After all, zero to 60 mph in 9.1 seconds is impressive.

This option is in insurance group 15, and is available new via Ford from £16,385. According to Parkers, it has a fuel capacity of 42 litres and consumes from 52.3 to 57.6 miles per gallon.

The Trend features cloth trim in ebony with metal grey stitching and has 16 inch 8-spoke alloy wheels with a rock metallic machined-finish. It has LED projector headlamps, with LED daytime running lights, and comes with heated door mirrors with side indicators.

Ford Kuga Plug-in Hybrid

There are now several vehicles in the Ford Kuga range, including Zetec and Titanium versions. However, the three electrified options stand out. They are the Kuga EcoBlue Mild Hybrid, the Kuga Full Hybrid and the Kuga Plug-in Hybrid.

Taking the Ford Kuga Plug-in Hybrid, this five-seater SUV has a top speed of 125 mph and a maximum towing capacity of 2,100 kg. It’s a roomy model, with a maximum load-space of 1,530 litres.

The Plug-in Hybrid has a 2.5 litre Duratec petrol engine and can reach 60 mph from a standing start in 9.2 seconds. When in electric-power-only mode it can travel up to 35 miles. The hybrid battery comes with an eight-year or 100,000 miles warranty (whichever comes first).

Ford Puma ST-Line MHEV 125

This is the mild hybrid version of the Ford Puma.

Drivers can enjoy 17" alloys, projector head lamps and LED rear lamps. It also comes with power-foldable heated door mirrors with puddle lamps and a quick heated windscreen.

Safety features include parking sensors, collision prevention technology, autonomous emergency braking, cruise control and lane keeping aids.

Prices start at £24,355 and insurance is likely to be around £398*.

The history of Ford

The Ford Motor Company was formed by the eponymous Henry Ford in 1903. The Ford Model A was the first car to be sold, but it was the far more famous Ford Model T that really got things moving.

Introduced in 1908, the Model T became the first vehicle to roll off an assembly line when Henry Ford invested this groundbreaking concept in 1913.

In time, Ford reduced the period it took to fit the chassis from 12.5 hours to 1.5 hours, making the car much cheaper to make, and more affordable to buy. By 1927, when production of the Model T stopped, more than 15 million had been sold worldwide.

Since the 1920s Ford has been in the business of buying up rival companies. This approach started with Lincoln in 1922 and more recently has included both Jaguar and Aston Martin – both were subsequently sold in the 1990s.

Over the years Ford branched out, making everything from boats and lorries to incubators. But it was iconic models such as the Ford Mustang in the US and the Ford Cortina in the UK that carried it through the modern age.

Most recently the company has experienced difficult times, highlighted by the fact that it sold fewer cars in 2020 than in 2019, and announced it was scaling back car production in the US. With the Ford Focus and other models, it remains a force in the UK .

Facts about Ford

The current executive chairman, William Clay Ford Jr is Henry Ford’s great-grandson. He owns the first Ford vehicle ever sold.
The iconic blue Ford oval sign was only introduced four years after the firm had been up and running.
The only car The Doors singer Jim Morrison, famed for Riders on the Storm and Light My Fire, ever owned was a Ford Shelby GT 500.

What does the future look like for Ford?

Ford has also been experimenting with customisable models, allowing customers to pick and choose the trim interior and exterior colours.

While some might say increasingly jazzy colours could make the cars more vulnerable to attack or theft, it does make for a more interesting motor landscape.

Henry Ford once said of the Model T: "Any customer can have a car painted any colour that he wants so long as it is black.” What he’d make of the range of models, engines, trim and of course colours available to the modern motorist is anyone’s guess.