Ford Car Insurance

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

  • Compare Ford insurance quotes from over 60 UK providers
  • Choose from three levels of cover: Third Party, Third Party, Fire & Theft, or Fully Comprehensive
  • Get tailored quotes in minutes by filling out one simple form

Young women holding onto her summer hat whilst stood up inside her car with her head popping out of the sunroof looking out onto the sea

What car insurance can I get for my Ford?


There are three main types of car insurance available for Ford drivers in the UK:

  • Third Party Only

    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

    The legal minimum for the budget conscious

    Get a quote for third party
  • Third Party Fire and Theft

    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.

    Additional peace of mind whilst covering others

    Get a quote for third party, fire and theft
  • Fully Comprehensive

    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 most complete coverage possible

    Get a quote for fully comprehensive

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.

Compare car insurance quotes now

 

What insurance group is my Ford in?


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]

 

[1] https://www.parkers.co.uk/ford/insurance-groups/

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

 

How much is car insurance for a Ford?


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.

 

 

How can I save on my Ford car insurance?


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:

Driving a Ford from a lower insurance group

Models like the Ford Ka, Fiesta, and some Focus models are often in lower insurance groups, which may result in cheaper insurance premiums.

Pay annually if possible

Paying for your insurance in one annual payment can sometimes be cheaper than monthly instalments.

Increase your voluntary excess

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.

Renew early

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.

Consider telematics

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.

Build your no claims bonus

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.

Accurately estimate your mileage

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.

Add a suitable named driver

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’.

Look into multi-car insurance

If your household has more than one vehicle to insure, a multi-car insurance policy could offer better value than insuring each one separately.

Improve your car’s security

Parking in a secure location or adding approved features, such as alarms, immobilisers, or trackers, may help reduce the cost of your premium.

Only choose the extras you need

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.

Shop around for quotes

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. 

 

What add-ons can I get with my Ford insurance?


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:

  • Personal accident cover: May offer compensation if you or your passengers are injured in an accident where you’re at fault
  • Breakdown cover: Helps you if your Ford breaks down, often including roadside assistance and recovery.
  • Legal expenses cover: Can contribute to legal costs following a claim, whether made by you or a third party
  • Courtesy car cover: Provides a temporary replacement vehicle while yours is being repaired after an accident
  • Windscreen cover: Covers repairs or replacement if your windscreen cracks or shatters
  • Replacement key cover: Helps with the cost of lost or stolen car keys
  • Wrong fuel cover: Assists with draining and cleaning if you accidentally fill up with the wrong fuel type

 

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.

FAQs about Ford car insurance

Is it more expensive to insure a Ford ST or RS model?

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.

Can I get temporary insurance for a Ford?

Yes, many UK providers offer temporary car insurance for Ford models, with cover ranging from a few hours to a month or more. 

Do Ford cars have higher insurance because of performance?

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.

How can I check my Ford’s insurance group?

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.

How much is car insurance for a Ford Fiesta?

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.

What affects the cost of Ford car insurance?
  • The model and variant of the Ford car you want to insure
  • Any modifications you make to your car
  • Your age, driving history, and claims record
  • Your estimated annual mileage
  • Your postcode and where you park your car
  • Any optional policy add-ons
Which Ford models are cheapest to insure?

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.

Is Ford car insurance different for young or new drivers?

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.

Does the age of my Ford affect my insurance price?

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.

How do modifications impact my Ford insurance?

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.

Compare car insurance quotes for your Ford

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.

Compare Ford car insurance through Asda Money

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