The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?

Compare Ford car insurance in the UK

Want cheap car insurance? Compare quotes from over 160 providers
In partnership with

How much does it cost to insure a Ford?

Annual Ford car insurance premiums typically range from £400 for basic third-party policies up to £1,500+ for fully comprehensive cover. Rates depend on the specific model, driver details and intended use.

Factors that can increase Ford insurance costs include:

  • Engine size: vehicles with larger engines tend to have higher premiums
  • Performance models: the ST, RS and Mustang variants are more expensive to insure than standard models
  • No-claims discount (NCD): policies without NCDs usually cost more. Multi-year NCDs can provide savings
  • Driver age: drivers under 25 often pay more than experienced drivers over 25
  • Location and parking: urban areas and on-street parking increase costs compared to rural spots and garaging
  • Security: discounts are often offered for alarms, immobilisers and proper garaging
Compare Car Insurance Quotes
Compare quotes from over 160 providers to find the best deal
In partnership with MoneySuperMarket

What factors determine Ford insurance cost?

In calculating premiums, insurers mainly examine:

Your driving record

Recent accidents, traffic violations and disqualifications can raise rates substantially. A clean record lowers costs.

Vehicle use

Policies for Fords used daily typically cost more than those used occasionally for recreational purposes. Mileage also impacts premiums.

Vehicle security

Insurers offer discounts for secure garaging and approved security devices, such as alarms and immobilisers.

Coverage limits

Lower coverage levels may reduce premiums but leave drivers exposed if a major claim occurs. Finding the right balance is key.

Tips for reducing Ford insurance premiums

Here are some top ways to get cheaper Ford insurance in the UK:

  • Shop around extensively and compare quotes from multiple insurers
  • Ask about discounts for multi-car policies, low mileage, experienced drivers, advanced courses and other factors
  • If you can afford to, increase the voluntary excess to £500+ to lower premiums
  • Add an experienced second driver, such as a partner or parent, to benefit from their driving record
  • Limit the Ford to recreational use rather than daily use if possible
  • Improve security with an approved alarm and tracking system and ensure proper garaging
Get Cheap Car Insurance
Get a great deal on your car insurance by comparing over 160 providers
In partnership with MoneySuperMarket

Finding the best Ford insurance

The best actions to take to find affordable Ford cover are shopping around, optimising risk factors and leveraging available discounts. Taking the time to compare specialist Ford insurers on comparison sites yields the best opportunity for savings.

Ford car insurance FAQs

Fords span a wide range of groups, from 1 to 50, depending on the model, engine specifications, performance level and other factors. More powerful models tend to sit in higher groups.

Fords have a reputation for being reasonably affordable and simple to repair. Maintenance costs are moderate compared to premium brands.

Ford residual values vary by model. Mainstream models depreciate steadily, but some performance variants, such as the GT, hold value better.

Yes, Ford offers hybrid, all-electric and plug-in hybrid electric vehicles (PHEVs), including the Kuga PHEV, Escape Hybrid and Mustang Mach-E. More electric models are planned.

The Ka+ city car, Fiesta hatchback and EcoSport SUV in basic trims offer some of the most affordable options for Ford buyers.

Increasing excess, limiting mileage, adding experienced drivers, improving security and shopping on comparison sites help cut Ford insurance costs.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.