Ford insurance groups
Quick answer
Ford's UK range spans most of the insurance group scale. Entry-level Fiestas sit near the very bottom in the low single figures, mainstream Focus and Puma trims occupy the teens, and the ST performance models climb into the thirties. The badge tells you almost nothing — the engine and trim do the work.
Typical group range here
Groups 2–41
Typical annual estimate*
£195–£1350
*Estimate only, not a quote — driver aged 30–49, medium-risk postcode, comprehensive cover. The midpoint (22) sits in the medium band. How we calculate this.
Cheapest Ford models
| Model | Typical group range | Band | Typical cost* |
|---|---|---|---|
| Ford Fiesta | 2–20 | Low | from £195 |
| Ford Fusion | 7–14 | Low | from £280 |
| Ford B-Max | 9–17 | Low | from £315 |
| Ford Focus | 9–33 | Medium | from £315 |
| Ford EcoSport | 11–19 | Low | from £350 |
*Estimate only, not a quote — based on the lowest trim in each model's range.
How much does it cost to insure a Ford?
There is no single Ford insurance cost, because the range covers groups 2 to 41. So what is the average cost to insure a Ford? Across the models we cover it works out at roughly £455 a year for a driver aged 30–49 on comprehensive cover, with the cheapest entry trims near £240 and the highest-rated derivatives near £1,080. That average Ford car insurance cost is a midpoint rather than a prediction: it tells you where the brand sits against others, not what you will pay.
So is Ford expensive to insure? Not especially. Ford sits in the affordable half of the market. How much does a Ford cost to insure in practice? That depends almost entirely on which one: the Ford Fiesta is the cheapest model here, starting at group 2, while the Ford Ranger reaches group 41 at the top of its range. That gap matters far more than the badge, which is why a model-by-model comparison beats any brand-level average.
Treat these as comparison figures rather than a Ford car insurance price you can hold us to. The average cost of Ford car insurance in your own case will also depend on your age, postcode, mileage, claims history and excess, and for an actual Ford car insurance quote you will need to price the exact derivative. The fastest way to know which derivative you are looking at is to check the registration.
Compare it against the rest of the market in the insurance group prices table, or see how the group affects your premium across age bands. For everything outside the car, read what affects car insurance price.
Ford's cheap end: the small-car staples
Ford built its reputation on cars that are cheap to run and cheap to fix, and that shows in the ratings. Base-engine Fiestas have long been a first-car default precisely because parts are everywhere and almost any garage can work on them — the same logic that keeps the group low keeps the repair bill low.
The ST tax
Ford's ST models are the clearest illustration on the site of how much trim matters. The same bodyshell that sits in the low teens as an EcoBoost Titanium can sit in the thirties as an ST. If you want the look without the group, the ST-Line trims give you the styling with a mainstream engine — and a materially lower rating.
Highest-group models here
- Ford Ranger — up to group 41 (very high band)
- Ford Focus — up to group 33 (high band)
- Ford S-Max — up to group 30 (medium band)
All 10 models we cover here
- Ford Fiesta (2–20)
- Ford Fusion (7–14)
- Ford B-Max (9–17)
- Ford Focus (9–33)
- Ford EcoSport (11–19)
- Ford Puma (11–28)
- Ford C-Max (12–21)
- Ford Kuga (14–27)
- Ford S-Max (17–30)
- Ford Ranger (29–41)
How these ratings are set
Every figure here comes from the same ABI/Thatcham 1–50 scale used across the site — there is no separate scale for a body style or a brand. See how insurance groups are decided for the rating factors behind each number, or car insurance groups explained for the wider picture. For model ranges launched since August 2024, check our Vehicle Risk Rating guide — those cars are increasingly rated on a different framework.
Frequently asked questions
Which Ford is cheapest to insure?
Entry-level Fiesta trims sit lowest in our data, in the low single-figure groups. The table on this page ranks every Ford we cover by its typical group range.
Why is the Ford Focus ST so much higher than a normal Focus?
Performance is a major rating factor. The ST's power, acceleration and uprated brakes and tyres all push the performance pillar up, and its parts cost more to replace — so the same model can span 20+ groups across trims.
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Sources & further reading
- Thatcham Research — The motor insurers' automotive research centre. Co-runs the Group Rating Panel that sets UK insurance groups, and publishes the Vehicle Risk Rating (VRR) framework.
- Association of British Insurers (ABI) — The trade body for UK insurers. Co-runs the Group Rating Panel behind the 1–50 insurance group scale.
- DVLA — Get vehicle information — The official GOV.UK service for vehicle details by registration. Our checker uses the DVLA's Vehicle Enquiry Service API, the same underlying record.