*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.