Ford Insurance
Compare Ford Car Insurance Quotes
- Compare 120+ insurers
- You could save up to £515*
- Find a great deal today
Compare affordable Ford car insurance from top UK’s leading car insurers including:
Why Compare Ford Car Insurance Quotes at SimplyQuote.co.uk?
Ford insurance premiums can vary significantly depending on the model, trim, and how you use your car—comparing quotes helps you avoid overpaying for cover that doesn’t fit your needs.
From city-friendly models like the Ka+ and Fiesta to powerful Mustangs and practical pickups like the Ranger, Ford offers something for almost every kind of driver. But with that diversity comes complexity—insurance costs and cover options can shift dramatically depending on whether you’re driving a standard Focus, a modified ST-Line, or a fully electric Mach-E.
That’s where we come in. At SimplyQuote.co.uk, we’ve partnered with Quotezone to help Ford owners find tailored insurance quotes from FCA-regulated insurers. Whether you’re covering a family SUV like the Kuga, a high-performance Fiesta ST, or a self-employed trade vehicle like the Ranger, our comparison tool makes it easy to see your options clearly.
A Ford might be a familiar brand, but no two drivers are the same. That’s why comparing policies side-by-side—based on your real usage and risk profile—is the smart way to make sure you’re getting fair value and the right level of protection.
Who Are Ford?
Ford is one of the most iconic car manufacturers in the UK, known for building affordable, practical vehicles that suit almost every lifestyle—from daily commuting to heavy-duty work.
With a legacy stretching back over a century, it remains a go-to brand for first-time buyers, families, and tradespeople alike.
Founded in 1903 and with a deep UK presence since 1911, Ford has manufactured millions of vehicles for British drivers—many of them produced at former UK factories in Dagenham and Halewood. Today, Ford remains a household name, consistently ranking among the UK’s top-selling car brands.
Its range is as varied as its customers. From the compact Ka+ and Fiesta hatchbacks to the mid-size Focus and Puma, all the way to rugged pickups like the Ranger and performance icons like the Mustang, Ford caters to every kind of motorist. And with the rise of EVs, models like the Mustang Mach-E are pushing the brand into the future.
This diversity is a major reason why insurance costs differ so widely across the range. Whether it’s the insurance group, repair costs, or theft risk—understanding Ford’s lineup is key to finding cover that fits.
What Do I Need To Get A Quote?
To get a Ford car insurance quote, you’ll need a few basic details about your vehicle, how you drive it, and your driving history.
It’s a simple process and can usually be done in under five minutes—no documents required upfront.
Here’s what you’ll typically need:
- Your car’s registration or model info – You can enter your Ford’s reg plate, or manually select the model, engine size, fuel type, and trim (e.g. Titanium, Zetec, ST-Line, Active).
- Your intended use – Whether you use it for social, commuting, or business purposes. A Ranger used for self-employed work will be rated differently to a Puma used for the school run.
- Estimated annual mileage – Lower mileage often equals lower premiums, especially on everyday models like the Focus or Kuga.
- Where it’s parked overnight – Parking in a garage or on a private drive can reduce theft risk.
- Any modifications – Common for Focus or Fiesta ST drivers. Any aftermarket exhausts, performance remaps, or visual upgrades should be disclosed.
- Driver history – You’ll need to declare your licence type, how long you’ve held it, any points or claims, and your no-claims bonus.
You won’t need to upload anything to compare quotes—just make sure the details are accurate. Once you’ve chosen a policy, most insurers email your documents immediately so you can get covered the same day.
Why Should I Consider Ford-Specific Car Insurance Cover?
Not all insurance policies are built with Ford drivers in mind. If you own a high-performance, modified, or commercial-use Ford, a specialist policy could offer better protection—and fewer headaches at claim time.
Fords are versatile, but that also makes them tricky to insure under generic policies. A Fiesta ST-Line or a Focus with engine tuning carries different risks than a base-level Ka+ or Mondeo. Ford-specific insurance policies are more likely to reflect those differences accurately.
For example:
- ST and RS models – These are often modified or driven more aggressively, which increases risk and can affect claims. Specialist insurers tend to be more mod-friendly—if everything is declared.
- Ranger pickups used for work – Business use and tool cover might be standard in a Ford-specific policy but excluded elsewhere.
- OEM parts and repairs – Many Ford drivers want access to Ford-approved parts and garages. Some policies guarantee these as part of the standard cover.
- EVs like the Mach-E – Battery repairs, charging cables, and home unit cover might not be considered by a generalist policy.
If you’re insuring a high-spec trim, regularly use your Ford for work, or want clarity on mod or part-related cover, comparing policies built with Ford drivers in mind can help you avoid costly surprises.
What Does Ford Car Insurance Cover Include?
Most Ford insurance policies include standard features like third-party liability, fire and theft cover, and accidental damage — with optional extras depending on how and where you drive.
If you choose a comprehensive policy, you can typically expect:
- Third-party liability – Covers injury or damage to others if you cause an accident.
- Fire and theft – Protection if your Ford is stolen or damaged by fire.
- Accidental damage – Repairs to your vehicle, even if you’re at fault.
- Windscreen and glass cover – Especially helpful for modern Fords with sensors or driver-assist features built into the glass (e.g. Focus, Puma, Kuga).
- Personal belongings cover – Often includes up to £100–£300 of protection for items left in your car.
- Courtesy car – Provided while your Ford is being repaired at an approved garage.
Some policies offer more tailored extras:
- Ford-approved repairs – Repairs carried out using genuine Ford parts and approved bodyshops, often standard in more specialist policies.
- Audio and infotainment systems – Protection for factory-fitted SYNC screens and navigation units, common across most Ford models.
- Key protection – Covers replacement costs for lost or stolen keys, useful for cars with keyless entry like the Kuga or Mach-E.
- Legal expenses cover – Helps you recover uninsured losses or defend against legal claims.
Cover details vary between insurers, so it’s worth checking the policy documents carefully—especially if your Ford is newer, higher spec, or used for work.
What’s Not Included?
Ford insurance policies typically exclude wear and tear, undeclared modifications, and non-standard vehicle use—especially if your car is customised, driven for business, or taken off-road.
Common exclusions include:
- Undeclared modifications – If you’ve remapped your Focus ST, fitted aftermarket alloys, or changed the exhaust system, you must tell your insurer. If not declared, your claim may be denied.
- Track use or motorsport – ST and RS models may be tempting to test on track, but you won’t be covered unless your policy explicitly includes track day cover.
- Everyday wear and tear – Damage to tyres, brakes, or suspension from normal use isn’t covered under any standard policy.
- Incorrect use classification – Using your Ranger or Kuga for work without declaring business use may invalidate a claim, especially if tools or equipment are carried.
- Unattended theft risks – If your car is stolen while unlocked or with the keys inside (including keyless entry systems), your insurer may not pay out.
Some exclusions are clearly outlined in your policy docs, while others can be hidden in the small print. That’s why it pays to compare Ford-specific insurance—not just to get a better deal, but to avoid cover gaps that could cost you thousands when it matters most.
How Much Does Ford Car Insurance Cost?
Ford insurance costs can range from £500 to over £2,000 per year depending on the model, trim level, driver age, postcode, and intended use.
Entry-level models tend to be cheaper, while ST, RS, and Mustang variants sit in higher insurance groups.
For example, a standard Ford Fiesta might sit in insurance group 5–10, making it popular with younger drivers. But a Focus ST or Mustang GT could fall into group 30 and above, which pushes premiums much higher—especially for those with less experience or points on their licence.
Business usage, annual mileage, modifications, and where the vehicle is stored overnight all play a role in the final quote. That’s why comparing quotes based on your real-world use is essential.
Estimated Annual Premiums by Ford Model
| Ford Model | Type | Est. Insurance Cost (Annual) |
|---|---|---|
| Ka+ | City Car | £500-£700 |
| Fiesta | Hatchback | £550-£800 |
| Fiesta ST | Hot Hatch | £900-£1,400 |
| Focus | Hatchback | £600-£850 |
| Focus ST | Performance Hatch | £1,000-£1,600+ |
| Puma | Crossover | £650-£900 |
| Kuga | Mid-size SUV | £700-£1,000 |
| Mustang | Muscle Car | £1,200-£2000+ |
| Mach-E | Electric SUV | £800-£1,400 |
| Ranger | Pickup | £900-£1,300 |
These estimates are based on average usage and unmodified vehicles. A remapped Focus ST parked on a public street in London will cost more to insure than a standard Puma garaged in a rural postcode.
How Can I Save Money On Ford Insurance?
You can often reduce your Ford insurance premium by adjusting how you drive, where you park, and what extras you include in your policy.
Insurers price risk—so the more you can do to manage it, the cheaper your quote is likely to be.
Here are five proven strategies that work well for Ford owners:
Choose a lower insurance group trim
Titanium or Zetec trims are usually cheaper to insure than ST-Line or RS models. The difference between a standard Focus and a Focus ST can be hundreds of pounds per year.
Add extra security
Insurers often lower premiums if your Ford has a factory-fitted or Thatcham-approved alarm, a secure overnight parking spot, or a GPS tracker—especially for high-risk models like the Ranger or Mustang.
Limit your mileage
If you mostly drive short distances, declaring a lower annual mileage can bring premiums down. Ideal for occasional-use Fords like the Mach-E or Puma.
Build up your no-claims bonus
The longer you go without a claim, the more discount you get. If you’re insuring your first Ford, consider black box policies or adding a more experienced named driver to help reduce the cost.
Avoid unnecessary cover extras
Do you really need European breakdown cover or multi-driver protection? Tailor your policy to what you’ll use, not what sounds impressive.
It’s also worth checking prices mid-policy—not just at renewal. Ford insurance premiums can fluctuate during the year, and switching providers at the right time can save you more than loyalty ever will.
How To Compare Ford Car Insurance At SimplyQuote.co.uk
Comparing Ford insurance quotes with SimplyQuote.co.uk takes just a few minutes and gives you access to a wide range of tailored policies from FCA-regulated UK insurers.
Whether you drive a Fiesta, Mustang, or Mach-E, the process is quick, simple, and built around your needs.
Here’s how it works:
- Tell us about your car
Enter your Ford’s registration number or select the model, trim (e.g. Zetec, ST-Line, Titanium), fuel type, and engine size manually. - Add usage and driver details
Is your Focus used for daily commuting? Is your Ranger a work vehicle? We’ll ask how the car is used, where it’s kept, and who drives it. - Select your cover level
Choose between third-party, third-party fire and theft, or comprehensive. Add-ons like key cover, breakdown, or legal expenses are optional. - Get instant quotes
You’ll see prices and policy details from multiple insurers, including info on approved Ford repairs, mod friendliness, and parts guarantees. - Buy online and get covered today
Once you choose a quote, most insurers will email your documents within minutes—so you can get back on the road without delay.
There are no hidden fees, no pressure, and no hassle—just a fast, smart way to find the right insurance for the way you actually drive your Ford.
*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Frequently Asked Questions
Yes, for most trims. Entry-level Fiestas are in low insurance groups and often cost less than £800 annually, making them popular with young drivers and learners.
It depends on the use. For private use, it’s usually classed as a car. If you use it for business or trade, insurers may treat it as a commercial vehicle.
Yes. These performance models are in higher insurance groups, and insurers consider them a greater risk—especially if modified.
Generally, yes. The Mustang is a high-powered car in a top insurance group, so expect to pay upwards of £1,200+ annually, especially without a no-claims bonus.
Often, yes. EVs like the Mach-E can be more expensive due to battery costs and specialist repair requirements—but some insurers offer EV discounts.
Yes, but you must declare all changes. From exhausts to remaps, insurers need full disclosure. Failure to declare mods can invalidate your policy.
Sometimes. Keyless cars like the Kuga or Puma can be more prone to theft. Fitting a steering lock or signal-blocking pouch may reduce your risk (and premium).
The Ka+ or a low-spec Fiesta. These sit in the lowest insurance groups, have low repair costs, and are typically cheaper to cover than SUVs or performance trims.