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Ford Car Insurance

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Ford Car Insurance


Types of car insurance for a Ford

Insurance companies offer different types of Ford car insurance to cater to the diverse insurance and budget needs of Ford drivers.  

Comprehensive car insurance for a Ford

If you want the most extensive coverage for your Ford then comprehensive coverage would suit your needs. Comprehensive insurance covers not only the damage and injuries to third parties but your vehicle damage and potentially any personal injuries as well. It is the most comprehensive level of car insurance and provides the most financial protection and peace of mind in the event of an accident. 

Third party only Ford insurance

Third-party only (TPO) insurance is the lowest level of insurance but offers coverage for the injuries and damage of third parties. It does not cover your own damage or injuries. To legally drive your Ford you are required to have TPO insurance at a minimum. 

Third party, theft and fire car insurance

This level of insurance offers broader coverage than TPO insurance. However, the coverage is less extensive than comprehensive insurance. While still offering TPO coverage it includes cover for fire damage and theft of your Ford.  

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How much does it cost to insure a Ford?

The cost to insure a Ford will vary significantly for different policyholders. 

Insurance companies take the following factors into account when determining Ford insurance rates: 

  • Your location 
  • Your personal risk profile 
  • Details and characteristics of the ford 
  • The type and level of insurance 
  • Type of usage  

One of the quickest ways to find out how much it will cost to insure your Ford it to get personalised quotes. 

Ford car insurance groups

As one of the largest vehicle brands in the UK, there is a Ford model that falls into almost every insurance group. At the lower end of the Ford range, you have models like the Fiesta which can qualify for group 2. While more expensive models like the Ford Mustang are found in groups as high as 48. 

Ford Fiesta insurance group

Ford Fiesta insurance is affordable as some Fiestas qualify for insurance group 2. Making Fiesta insurance some of the cheapest options in the UK. Higher-spec Fiestas can fall into group 16. 

Ford Focus insurance group

It is possible to get cheap Ford Focus insurance as the Zetec range starts at group 11. The more expensive models like the Ford Focus ST are found in much higher insurance groups, up to group 34. 

Ford Puma insurance group

A lower trim Ford Puma like the Titanium will fall into group 14, while the Millennium falls into group 27. 

Ford Ka insurance group

The Ford Ka is one of the cheapest cars to insure in the UK. The Kas insurance group starts from group 1 and goes as high as group 11. 

Ford Kuga insurance group

Ford Kugas are in the lower to mid-range of insurance groups. Kuga groups start at 10 and go as high as group 26. 

Ford Mondeo insurance group

Different spec and trim levels of Ford Mondeos fall into insurance groups between 15 to 33. 

Ford Fusion insurance group

Ford Fusions fall into insurance groups between 7 and 14 depending on the model. 

Ford insurance FAQs

How much does Ford Fiesta insurance cost for a 17 year old?

Ford Fiesta insurance costs for a 17 year-old will vary due to differences in their location, the specific model they are insuring, personal risk profile and other factors. However, a 17-year-old would typically pay higher insurance rates than, for example, their parents or other experienced drivers. This is due to their lack of experience, driving record and claim history. 

Can I get specialist Ford S-max insurance?

Yes, Ford is one of, if not, the largest motor brands in the UK. It is possible to get specialist S-Max insurance with a little research. An online comparison platform like ours should make finding the specialist insurance product you need quick and easy.  

What is the cheapest Ford to insure?

The cheapest Ford to insure is either the Ford Ka or the Fiesta depending on the spec and trim levels.  

Why is a Ford Focus so expensive to insure?

The Ford Focus is, relatively speaking, one of the cheaper cars to insure in the UK. A lower trim and spec level Focus can fall into insurance group 11. This indicates that it is on the lower end of the insurance market when it comes to costs. There are however some models of Focus that are found in higher groups like the Estate which can be found in group 34. This will be due to the value, performance, repair costs and other factors that increase the risk to the insurer. 

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*51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.