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Compare Ford car insurance in the UK

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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 more than £2,200 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
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What factors determine a Ford’s 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 or 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 Lower coverage levels may reduce premiums but leave drivers exposed if a major claim occurs. Finding the right balance is key.

How can I reduce my 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
  • Increase the voluntary excess to over £500 to lower your premiums, if you can afford to
  • Add an experienced second driver, such as a partner or parent, to benefit from their driving record
  • Improve security with an approved alarm and tracking system and ensure proper garaging
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Finding the best Ford insurance

The best ways 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, depending on the model, engine specifications, performance level and other factors. More powerful models, such as a Mustang, tend to sit in higher groups (39 and above) while a Fiesta sits between grounds three and six.

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 their value better.

Yes, Ford offers hybrid, all-electric and plug-in hybrid electric vehicles (PHEVs), including the all-electric Explorer and all-electric Mustang Mach-e. In 2024, severn new electric vehicles will be announced.

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

Connor Campbell new profile April 2024

Connor Campbell

Senior Finance Writer

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet, Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror, the Daily Express and Business Insider

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian, BBC, Reuters and the Evening Standard

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.