Ford cars are a familiar sight on UK roads, known for their practicality, broad appeal, and wide range of models to suit different drivers.
Whether you drive a Fiesta, Focus, or any other model, finding the right insurance cover is quick and easy through Asda Money
There are three main types of car insurance available for Ford drivers in the UK:
The lowest level of cover you need to drive in the UK.
Covers you for damage or injuries caused to others in the case of an accident however:
Doesn't cover you for personal injury costs or repairs to your car
Doesn't cover you if your car is stolen, damaged, or catches fire
Covers the cost of damage caused to other.
Covers any damage to your car caused by fire or if your car gets stolen.
If you're responsible for an accident, it doesn't cover repairs to your vehicle or your medical costs.
Includes everything from third party, fire and theft insurance plus protection for you and your vehicle.
If you're responsible for an accident, it covers repairs to your vehicle and your medical costs, as well as damage or injuries caused to others and their property.
The right level of Ford car insurance for you will depend on a few personal factors, such as the make and model of your Ford, your budget, driving history, and who will be driving the car.
Whether you’re insuring a Ford Fiesta, Puma, or another model, comparing quotes is a simple way to explore your options.
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In the UK, every car model is placed into a car insurance group, numbered from 1 to 50. Generally, the lower the group number, the lower the potential insurance cost, although your final quote will also depend on things like your age, driving history, postcode, and driving experience.
Each Ford model is assessed individually. Even different versions of the same model, for example, a Ford Focus Zetec vs Titanium X, can fall into different groups based on factors such as engine size, performance, trim level, repair costs and security features.
Here is a general guide:[1]
| Ford Model | Car Insurance Group |
|---|---|
| Ka | 1-10 |
| Fiesta | 2-30 |
| Focus | 6-40 |
| EcoSport | 8-17 |
| Kuga | 10-26 |
| Puma | 19-27 |
| C-Max | 10-27 |
| Mondeo | 21-25 |
| Escort | 12-34 |
| S-Max | 16-34 |
| Galaxy | 17-31 |
| Mustang | 39-48 |
The exact car insurance group for your Ford car will depend on its year, variant, specifications, and any modifications.
Get a car insurance quote for your Ford car now
The cost of Ford car insurance in the UK varies depending on several factors, such as the model and age of the car, your postcode, driving history, and the level of cover you choose.
Here’s a look at typical costs of car insurance for Ford vehicles:
| Level of insurance cover | Average cost of Ford insurance* |
|---|---|
| Third Party Only | £976.83 |
| Third Party, Fire & Theft | £1278.99 |
| Fully Comprehensive | £976.83 |
*based on 51% of sales between 1 January 2025 and 30 June 2025 through the Asda Money car comparison service, provided by Vast Visibility Ltd. Prices are illustrative and may not reflect your individual quote.
Ford models fall into a wide range of car insurance groups, from lower-risk cars like the Ford Fiesta to high-performance vehicles like the Ford Mustang. Generally, cars in lower insurance groups may be cheaper to insure, but your final quote will depend on multiple factors.
Compare Ford car insurance quotes now to find tailored quotes based on your car, your circumstances, and the cover you’re looking for.
The cost of car insurance for Ford vehicles depends on many factors, but there are ways you may be able to reduce your premium. From choosing a model in a lower insurance group to comparing providers, here are some common ways to help lower your costs:
Models like the Ford Ka, Fiesta, and some Focus models are often in lower insurance groups, which may result in cheaper insurance premiums.
Paying for your insurance in one annual payment can sometimes be cheaper than monthly instalments.
Opting for a higher voluntary excess may lower your premium, though it’s important to choose an amount you could afford to pay if you need to make a claim.
You may be quoted a lower price if you renew your policy around 20 days before your existing cover ends, compared to leaving it to the last minute.
If you’re a careful driver, you could choose a telematics policy, such as a black box or app-based insurance, that monitors your driving. Proving safe driving habits may reduce your premium at renewal.
Driving without making a claim helps build your no claims discount, which can reduce your premium each year up to a maximum set by your insurance provider.
Lower mileage may lead to cheaper insurance, as you’re seen as less likely to make a claim. You’ll need to give an accurate figure, though, as underestimating could affect future claims.
Adding an experienced driver with a good record could reduce your premium, especially for younger drivers. However, they will need to genuinely share use of the car, otherwise, this will be classed as ‘fronting’.
If your household has more than one vehicle to insure, a multi-car insurance policy could offer better value than insuring each one separately.
Parking in a secure location or adding approved features, such as alarms, immobilisers, or trackers, may help reduce the cost of your premium.
Some add-ons can be useful, such as breakdown cover or legal protection, but removing them if you don’t need them, may help keep costs down.
One of the easiest ways to find cheaper Ford car insurance is to compare quotes from a range of providers. Through Asda Money, you can compare prices from over 60 UK insurance providers, all by filling out one simple form.
When you compare Ford car insurance, you’ll often have the option to customise your policy with optional extras. The availability and cost of these add-ons will vary depending on the provider and level of cover you choose.
Here are some common insurance add-ons that may be available:
Not all policies include these by default, so it's important to review the terms carefully when comparing quotes. Optional extras can offer peace of mind but adding too many may increase your premium.
You can compare Ford insurance car policies with or without extras through Asda Money to find the cover that suits your needs.
Higher performance Ford models, such as the ST or RS, typically fall into higher insurance groups, often making them more expensive to insure. RS models with greater engine power and performance may cost more than ST versions.
Yes, many UK providers offer temporary car insurance for Ford models, with cover ranging from a few hours to a month or more.
If the Ford you drive is a high-performance model, then it may fall into a higher insurance group, which may lead to increased premiums.
Each Ford model and variant is assigned to a group (1–50). To check your specific group, you can use an online car insurance group checker. You’ll just need your vehicle’s exact model and registration year.
The Ford Fiesta is often placed in lower car insurance groups (typically groups 2-30), making it one of the more affordable models to insure. However, your car insurance quote will depend on a range of other factors, such as your driving history, age, and postcode.
Generally, less powerful Ford models are cheaper to insure. These include standard and lower performance versions of models like the Ford Ka, Ford Fiesta, Ford Focus, Ford EcoSport and Ford Kuga.
New and younger drivers typically face higher premiums regardless of the car. However, choosing a Ford model in a lower insurance group (e.g., Ka or basic Fiesta) and opting for cover such as telematics, annual payment, and higher excess can help reduce costs.
Yes — older cars may cost less to insure due to lower value, but they could lead to higher premiums if parts are costly or safety features are dated. Overall mileage and condition also play a role.
Modifications like alloy wheels, body kits, or engine tuning can increase insurance costs by raising the car’s performance or theft risk. You’ll need to declare any changes to your insurer.
Looking for car insurance for your Ford doesn’t need to be complicated.
Through Asda Money, you can compare quotes quickly and easily. Just fill out one simple online form and you’ll receive tailored quotes from a panel of leading UK insurance providers.
