Ford car insurance: Cheapest models to insure

Before it went off sale as a new car, the Ford Ka+ was the cheapest new Ford model, so it's no surprise that it's cheap to insure, too. It may lack the character of the original Ka but as it's based on the previous Ford Fiesta, it handles surprisingly well.

And what it lacks in pizzazz, it makes up for with cheap running costs and a group 1 insurance ranking. This is a car you buy with your head rather than your heart, but as a first car or a low cost runabout, the Ka+ holds lots of appeal.

The Ka+ gets it right with decent cabin quality, space inside for five and a generous boot of 270 litres. It’s even well equipped for this price-point and there are plenty of examples around on the used market. 

Another car that Ford no longer makes new, a used Ford Fiesta is nevertheless one of the best small hatchback around, matched only by the Volkswagen Polo. Neatly styled, good to drive and with a quality interior, the Fiesta is a great little car and one which will have you questioning if you really need to pay more for a Focus or Puma.

We're big fans of the characterful 1.0 EcoBoost engine which comes in a range of power outputs, but if you want to save money on insurance you'll have to plump for the 1.1 Ti-VCT.

Despite being bigger in capacity, it has less power due to the absence of a turbo, but it's fine for around town and doesn't feel out of its depth on the motorway either. With loads on the used market, finding one won't be a problem either. 

It may not be very glamorous, but the Ford Tourneo Connect is certainly versatile. The boxy looks can't hide the fact it's based on the Volkswagen Caddy, but there's nothing wrong with that – it's a lot better to drive than you might expect and comes with the same impressive engines as the rest of the Ford range.

The interior is car-like up front but the real party trick is in the back with that cavernous space meaning there's huge space for everything you can throw at it, from camping gear and pushchairs to weird hat-wearing uncles and their dogs.

If you want the cheapest to insure model, that's the 1.5 EcoBoost Titanium model, but going for the 2.0 Ecoboost only sees the insurance group jump up by two.

Another class-leading car from Ford – and we don’t just mean in sales terms. The Focus is not just best in class, it's head boy and senior prefect. It probably even helps tidy away the chairs. That's because it blends superb driving ability with impressive comfort and refinement. Given that the Focus is up against the likes of the Volkswagen Golf and Honda Civic, that's even more impressive.

If you're looking to find a Focus that's cheap to insure, look for a used model with the 1.0 EcoBoost 85PS engine, which sits in group 8. If you're buying new, the 125PS Ecoboost in Titanium trim sits in group 12, which is still very low.

With so many used Ford Focus models on the market, there's plenty of choice so you can afford to be selective when looking. If you want the Focus Estate, that starts in the same group 8. 

The EcoSport isn't made any more, but even when it was new it was affordable, cheap to run and reasonably practical. Sure, better SUVs were available, but you can't argue with group 8 insurance – that's if you opt for the 1.5 TDCi Zetec.

The Zetec model comes well equipped for the money but a poor ride and the lack of usual Ford sparkle in the handling make this one that's best avoided, unless you really want to save the pennies on buying and running a used car.

In an odd quirk, the Ford Kuga is actually cheaper to insure than the smaller Puma, the best Kuga model sitting in insurance group 10. 

Over the years the Kuga has evolved to be one of the most refined SUVs around. This latest version, launched in 2020, is available as a PHEV, although insurance groups for the plug-in hybrid start at 19. If you want the cheapest insurance, the 1.5 EcoBoost Zetec is the model for you. It's not available new any more, so you'll need to find a used one. If you want a brand-new Kuga, look for the 1.5 EcoBoost 150 Titanium, which is group 16 – still pretty low.

The Ford Puma is a brilliant little crossover that gets everything right. As good to drive as the excellent Fiesta, Ford has sprinkled its magic to create a car that feels nimble, fun and yet reassuringly safe too.

It uses the same excellent 1.0 EcoBoost petrol engine that's found throughout the Ford small car range. This is one of the best small capacity turbo engines and gives the Puma real character. It means it's a car that's nippy around town and yet comfortable on the motorway.

All models sit between group 11 and 17, so none are expensive to insure. We'd recommend the 1.0 EcoBoost 125 MHEV in ST Line trim. 

The Mondeo might not be made new any more, but you’d be daft to ignore it when considering a used mid-sized family hatch or, if you need more space, the Mondeo Estate. Take a look and you’ll find a car with masses of cabin space for people and luggage plus it’s very well put together with a high level as standard.

Ford also employed a range of downsized engines that work admirably in the Mondeo. The 1.0-litre turbo petrol EcoBoost may seem too small for a car as big as the Mondeo but it has plenty of character and is actually a good fit if you're not spending all day on the motorway. Otherwise look at the 1.5 TDCi 120PS diesel.

Both these engines are cheap to insure, sitting in group 15 if you go for the Zetec Edition trim. The diesel is particularly frugal, returning a claimed 78mpg.

The popularity of the SUV means that people carriers are a bit of a novelty, and Ford stopped making the S-MAX in 2023. That's a shame, though, because the S-MAX is a cracking family car and well worth seeking out on the used market.

Cleverly mixing seven seat versatility with the balmy driving pleasures of the Mondeo, with which it shares its mechanical undergarments, the S-MAX is soothing and enjoyable to drive.

A bit of a compromise is needed to benefit from the lowest insurance group, so you’ll need to go for the least powerful 2.0 TDCi. Mind you, 55mpg from a large MPV is not to be sniffed at.

The Galaxy was the sensible one of Ford's MPV duo. More like to be seen waiting outside an airport arrivals lounge, the Galaxy is all about space and comfort, sacrificing the sportier looks of the Ford S-MAX for a taller roof and more interior room.

Even with all seats in use, there's still a useful 300 litres of luggage room available, with more than 1300 litres in five-seat mode.

As with the S-MAX, the cheapest model to insure is the 2.0 TDCi Zetec, which is ideal for long distance drivers.