Ford Car Insurance

Who is Ford?

A preeminent automotive institution for more than a century, Ford is the UK's perennial top-selling car manufacturer. It's fair to assert that few streets in the UK won't have a Ford Focus or Fiesta parked on them.

Henry Ford founded his namesake company in 1903, just on the cusp of the automobile revolution, and pioneered mass production on assembly lines - now dubbed Fordism. Mechanised production allowed Ford to produce the first affordable car: the iconic Model T. Today's Ford range has little in common with the Model T but it does have a vehicle for every driver and price point, from the ubiquitous Fiesta to the sporty Mustang, now electrified.  

How Much Does a Ford Cost to Insure?

The cost of Ford insurance is different for every driver. This is because a variety of factors will impact how much you pay. Your driving history, vehicle insurance group, the type of insurance policy you require and your own individual circumstances will all influence the cost of your premium. In the table below we have illustrated the average price drivers are likely to have to pay for an annual insurance policy across several popular Ford models.

How Can I Lower the Cost of Ford Car Insurance?

You don't want to pay a penny more to insure your Ford than you have to. Here's how to reduce your costs and find cheap Ford insurance:

• Drive less: According to insurance companies themselves, the lower your mileage, the less likely you are to be involved in an accident and then make a subsequent claim. So to keep your premiums low, consider lowering your annual mileage if at all possible, ensuring that you're still giving a feasible estimate.
• Boost your security: Some Ford models include a perimeter alarm as standard, but if you supplement it with an immobiliser and GPS tracker you might earn a discount on your Ford insurance. Also, consider where you park your car at night; those who park in a secure garage can expect lower premiums than someone who parks on a main road.
• Consider a telematics policy: Choosing a car insurance policy that proves to insurers that you're a safe driver can also help reduce your premiums. A telematics policy will reward you with lower premiums if you're found to accelerate slowly, brake smoothly, take corners with care and stay off the roads at night.
• Boost your voluntary excess: In most cases, the higher your voluntary excess amount is, the lower your overall premium should be. 
• Add a named driver: On average, younger, less experienced drivers pay the most for car insurance. However, they can often reduce these costs by adding an experienced named driver to their policy. 

What Factors Influence The Cost of Ford Car Insurance?

Some of the most common factors that will influence the cost of your Ford car insurance include: 

• How you pay: Paying annually for your car insurance can lower the cost of your premium. This is because interest is charged on monthly payments which increases your overall insurance costs.
• Insurance type: The type of policy you need, whether fully comprehensive cover, fire and theft or specialist insurance for a Classic Ford will also influence the cost of your monthly premium. In short, the greater the amount of cover provided, the more you'll need to pay.
• Insurance groups: Luxury or high-performance cars are usually in the top insurance groups due to higher potential repair costs and a higher risk of theft. This in turn pushes up the cost of insuring vehicles like this.
• Your no-claims discount: Drivers who have not had to make a claim over several consecutive years, when paying for insurance can expect lower premiums as a consequence.
• Drivers' age: Factors like being a young driver, can make a significant difference to the amount you pay as it is those in the lowest age groups that are statistically the most likely to make a claim
• Additional extras: Drivers who opt for additional policy extras such as roadside assistance or windshield cover can expect to face higher premiums than those who don't.