Ford Car Insurance
Fords are among the cheapest mainstream cars to insure: enormous parts supply, every repairer knows them, and the popular models start in single-digit insurance groups. The spread within the range is huge though — a basic Fiesta sits around group 5 while a Focus ST pushes past 30.
- 130+ UK insurers compared
- Q2 2026 premium data
- Insurance group free by reg
Premium data: Quotezone Car Insurance Price Index, Q2 2026 · updated July 2026 · quotes via Quotezone (FCA FRN 313860)
Key facts — Ford insurance (Q2 2026)
- Across 34,209 real Ford vehicles checked on Motorscan (8 May 2026 – 4 Sep 2026), ABI insurance groups ranged from 1 to 50 (of 50), with a median of 14.
- The UK average premium across all cars is £619 a year (fully comprehensive median, Q2 2026).
- Any specific Ford's exact insurance group is shown free when you check its reg with Motorscan.
Insurance groups for popular Ford models
ABI insurance groups run 1 (cheapest) to 50. The observed ranges below come from 34,209 real Ford vehicles checked on Motorscan between 8 May 2026 and 4 Sep 2026 — the exact group for any specific car depends on its engine, trim and year, and is shown free when you check its reg.
| Model | Insurance group | Notes |
|---|---|---|
| Ford Fiesta |
1–31 median 10 · 10,382 checked |
Style and Trend trims start near the bottom of the group table; ST-Line climbs, Fiesta ST is ~28. |
| Ford Focus |
6–43 median 14 · 8,007 checked |
Mainstream petrol trims are mid-teens; the ST is 30+ and priced as a hot hatch. |
| Ford Puma |
11–27 median 12 · 1,233 checked |
The Fiesta-based crossover stays sensible across the range; ST version excepted. |
| Ford Kuga |
11–27 median 21 · 2,391 checked |
Hybrids sit slightly higher than petrols; still cheap for a family SUV. |
| Ford Mustang |
33–48 median 43 · 277 checked |
The exception that proves the rule — V8 muscle prices like the performance car it is. |
Observed groups are the ABI insurance groups recorded against real Ford vehicles checked on Motorscan (8 May 2026 – 4 Sep 2026); models with too few checks show the typical range instead. Trim and year decide the exact group — check any reg free above.
Check any Ford's exact insurance group — free
Enter the reg for the insurance group, tax & MOT status, MOT history and mileage record. The full check adds write-off, stolen and finance.
Compare ford car insurance quotes
One short form, quotes from 130+ UK insurers through our comparison partner Quotezone — and the reg box below starts it with your car's details already filled.
Ford Car Insurance — frequently asked questions
Are Fords cheap to insure?
Generally yes — mainstream Fiestas, Focuses, Pumas and Kugas all sit in low-to-mid insurance groups thanks to cheap, fast repairs. A basic Fiesta around group 2–8 is a classic first car for exactly this reason.
What insurance group is a Ford Fiesta?
Anywhere from group 2 (older 1.25 Style trims) to about 18 (ST-Line X with the bigger engines) — and the Fiesta ST hot hatch is around group 28. Trim and engine decide it, so check the exact car's group free by entering its reg in a Motorscan check.
Why is my Ford quote higher than I expected?
Usually trim (ST/ST-Line vs standard), your postcode, or the car's own history. Fiestas are the UK's most common car, so plenty have hidden accident or write-off records — the full history check shows whether yours is one of them before an insurer's engineer does.
More car insurance guides
Explore Motorscan's other free checks
Every check runs on the same official DVLA and DVSA data. Enter a registration on any of them free.
Full free car check covering MOT, tax, mileage, specs and clocking alerts in one report.
Every MOT test since 2005 — pass/fail, recorded mileage, advisories and clocking alerts.
Look up any UK number plate for specification, history and plate-change records.
Outstanding finance, insurance write-off, stolen and mileage checks before you buy.
Check ULEZ and Clean Air Zone compliance for any registration — free.
DVLA vehicle enquiry — tax status, MOT, CO₂ emissions and registered details.
Decode the original manufacturer build sheet — trim, packages and optional extras.
Was it sold at a UK salvage auction? Auction records, damage photos and categories.
How many owners has it had? DVLA keeper count, change dates and plate history — free.
Is a car insured? How askMID works, plus tax, MOT, write-off and stolen status by reg.
Transfer a car's registered keeper online or by post — and what to check before you do.
What the green slip is for, how to tax with it, and what to do if it's lost.
Lost V5C? The fastest replacement route, costs and timings — and buying a car without one.
What you can and can't find out about a keeper, and when the DVLA will release details (V888).
Importing a UK car to Ireland, Malta, Cyprus or beyond? Check the UK record by reg or VIN first.