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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:
In calculating premiums, insurers mainly examine:
Recent accidents, traffic violations and disqualifications can raise rates substantially. A clean record lowers costs.
Policies for Fords used daily typically cost more than those used occasionally for recreational purposes. Mileage also impacts premiums.
Insurers offer discounts for secure garaging and approved security devices, such as alarms and immobilisers.
Lower coverage levels may reduce premiums but leave drivers exposed if a major claim occurs. Finding the right balance is key.
Here are some top ways to get cheaper Ford insurance in the UK:
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.
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.
