Compare car insurance for your Ford from 130+ UK insurers. See which models sit in the lowest insurance groups.
Compare quotes for your Ford from 130+ UK insurers
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See insurance groups for popular Ford models
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Ford has a wide range of models spanning almost the entire UK insurance group scale, from Group 1 city cars up to Group 48 performance models.
| Model | Typical Insurance Group | Engine |
|---|---|---|
| Ka+ (2016) | 1-5 | 1.2L |
| Fiesta (2017) | 5-17 | 1.0-1.5L |
| Fiesta ST (2018) | 28-30 | 1.5L Turbo |
| EcoSport (2017) | 8-17 | 1.0-1.5L |
| Puma (2020) | 11-16 | 1.0L EcoBoost |
| Focus (2018) | 13-17 | 1.0-2.0L |
| Kuga (2020) | 3-22 | 1.5-2.5L |
| Ranger (2019) | 10-42 | 2.0-3.0L Diesel |
| Mustang (2015) | 39-48 | 2.3-5.0L |
| Mustang Mach-E (2021) | 33-40 | Electric |
See how Ford models compare for reliability in our Ford reliability report.
Every car sold in the UK is assigned to one of 50 insurance groups by Thatcham Research and the ABI. Group 1 typically represents the lowest insurance cost, and group 50 the highest. Insurers generally use these groups as one factor when calculating your premium, alongside your age, location, driving history, and other personal details. For example, the Ford Focus 1.0 EcoBoost typically sits around Group 13, while the Focus ST moves up to Group 28.
Insurance groups set by Thatcham Research and the ABI.
Ford models typically range from Group 1 (Ka+) to Group 48 (Mustang), so insurance costs can vary significantly depending on which Ford you drive. A city runabout could sit at the bottom of the scale while a performance model may sit near the top.
Insurance groups are only one of several factors. Insurers may also weigh up your age, where you live, your annual mileage, your driving history, and any modifications to the car. You might expect a Fiesta in Group 6 to cost noticeably less to insure than a Mustang in Group 48, but your personal circumstances play an equally important role. Two drivers insuring the same Ford could receive very different quotes.
Whether you choose fully comprehensive, third party fire and theft, or third party only cover can also affect your premium. Comprehensive cover is often competitively priced compared to third party only.
The most reliable way to find your price is to compare quotes from multiple insurers.
Based on typical Thatcham insurance group ratings, these four Ford models sit in the lowest group bands and may be worth shortlisting if keeping the premium down is a priority.
1. Ka+ (Groups 1-5)
Typically one of the most affordable Fords to insure. A city car with a 1.2-litre engine and modest performance, so it tends to sit at the bottom of the Ford range for insurance.
2. Fiesta 1.0 (Groups 5-7)
The 1.0-litre Zetec Fiesta typically sits around Group 6. The Fiesta is the UK best-seller for a reason: it combines a low group with running costs that suit first cars and everyday drivers.
3. EcoSport (Groups 8-17)
A compact SUV with groups comparable to the Fiesta range. Practical, higher-riding, and typically in reach on premiums.
4. Puma (Groups 11-16)
Ford's current crossover sits in mid-range groups. A step up on interior tech and boot space over the Fiesta while staying below the Focus and Kuga.
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Get QuotesFord has several models that may be practical first cars for new drivers. The Fiesta 1.0 Zetec (typically Group 6) and the Ka+ (Groups 1-5) both sit in lower insurance groups and are widely available on the used market.
A telematics policy could help new drivers demonstrate safe driving habits, which may lead to lower premiums over time. Black box devices or app-based policies typically monitor braking, cornering, and time of day, and reward safe driving with a lower renewal price.
If you are aged 17 to 21, see our dedicated young drivers insurance guide for more tips.
University students may also find our student car insurance guide helpful, particularly for advice on registering the car at the address where it is kept most often.
Six practical steps that could help reduce your Ford insurance premium.
Compare quotes from multiple insurers
Prices for the same car and driver can vary significantly between providers. Comparing quotes is typically the most effective way to find a competitive deal.
Choose your model carefully
A standard Focus (typically Group 13) could cost noticeably less to insure than a Focus ST (Group 28). The group difference between trims can be 20 groups or more. See our performance car insurance guide for context on higher-group models.
Consider a telematics policy
A black box or app-based policy could reward safe driving with lower premiums, particularly for younger drivers.
Increase your voluntary excess
A higher excess typically means a lower premium, but make sure you could afford to pay it if you needed to make a claim.
Think about where you park
Parking off-road, in a garage, or on a driveway could reduce your premium compared to parking on the street.
Check the electric option
The Mustang Mach-E sits in Groups 33-40, which may be lower than you expect for a premium electric vehicle. If you want to try one before committing, temporary car insurance is available for test drives.
Pay annually if you can
Monthly instalments could add interest to the overall cost, so paying upfront may save you money over the year.
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