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Ford Ka car insurance

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Why drive a Ford Ka?

The Ford Ka was launched in 1996 as a low-cost option in the Ford range. The three-door hatchback proved popular from the start, offering great fuel economy, revered handling and Ford’s renowned reliability.

Compact and nifty, it’s perfect for a new driver or used as a city run-around. The range has evolved in recent years and the newer five-door Ka+ models are more spacious and include the Studio and Zetec.

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How much does it cost to insure a Ford Ka?

Start by checking to see what insurance group the Ford Ka is in. This will give you a guide to how much you’ll pay in premiums with cars in lower insurance groups usually cheaper to insure. Insurers look at the car’s engine size, safety rating and how much it might be worth before deciding which group it fits in.

  • 1

    Three most popular models²

    1. Zetec - £464 /year to insure

    2. Edge - £461 /year to insure

    3. Studio - £566/year to insure

  • 2

    Three most expensive models²

    1. Style - £593 /year to insure

    2. Zetec Climate - £573 /year to insure

    3. Studio - £566/year to insure

  • 3

    Three least expensive models²

    1. Zetec TI-VCT - £366 /year to insure

    2. Collection - £422 /year to insure

    3. Edge - £461 /year to insure

What insurance group is my Ford Ka in?

Insurers sort cars into categories, or ‘groups’, based on a range of factors, including their cost, performance and availability of parts. Check the table below to see how your Ford Ka compares..

What affects the cost of my Ford Ka insurance?

Insurers use a range of factors to determine the risk of you making an insurance claim. They include the following:

  • Birthday

    Your age

    Younger drivers typically find car insurance more expensive because insurers view them as more at risk of having an accident

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    Your location

    Where you live can have a bearing on insurance costs. Some areas of the UK see higher rates of car theft or vandalism, which bump up premiums

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    Your occupation

    Some professions, such as travelling salespeople who spend more time on the road, are seen as more likely to have an accident

  • Driving License

    Your driving and claims history

    If you’ve had driving convictions or made car insurance claims in the past, insurers take the view that you’re more likely to claim again

  • Lock

    Storage and safety

    If you can park your car in a garage, carport or driveway overnight rather than on the roadside, you should be able to benefit from lower premiums

Who drives a Ford Ka?

The Ford Ka is popular with drivers of all ages, but particularly those aged 25 and under.

Almost two in every five drivers looking to insure a Ford Ka with MoneySuperMarket were aged 17 to 24. It’s also popular throughout the country, with just under 30% of people looking for a quote living in either the North West or London2.

Average car insurance premiums by age and policy type

2Based on fully comprehensive car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.

What cover do I need for my Ford Ka?

There are three types of car insurance policy to choose from:

  • 1-One

    Fully comprehensive

    A fully comprehensive policy means you’ll be covered whoever is at fault for the incident. It offers the most complete protection, and is usually the cheapest option too

    £514 on average2

  • 2-Two

    Third-party, fire and theft

    Third-party, fire and theft offers cover for damage you do to another person, their vehicle or their property, but it will also cover you if your car is stolen or damaged through fire

    £707 on average2

  • 3-Three

    Third-party only

    Third-party car insurance is the minimum level of cover you need by law to drive on UK roads. It only covers damage done to another person, their vehicle or their property

    £1,111 on average2

How to cut the cost of Ford Ka car insurance

There are ways you can try to reduce the premiums you pay when insuring your Ford Ka. Here are a few ideas:

  • Tick

    Avoid modifications

    By customising your car, you could also be making it more expensive to insure by either increasing its power and pushing it into a higher insurance band or using non-standard parts that will be more expensive to replace

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    Build a no-claims bonus

    While you must inform your insurer of any damage to your vehicle, if you avoid claiming for any minor damage it will help you build your no-claims bonus– potentially earning you discounted premiums in the future

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    Avoid features you don’t need

    Insurers will offer you a number of extra features to boost your cover, but all will increase the amount you pay. Only add ones that you know you’ll need – and consider shopping around for policies such as breakdown cover

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    Consider telematics

    Ford Kas are a common choice for young drivers, who often benefit by taking out telematics cover . It allows your insurer to track your driving and lets you earn discounts by demonstrating safe driving habits

Where can I find Ford Ka car insurance?

Comparing car insurance quotes for your Ford Ka is quick and easy with MoneySuperMarket. Just tell us a little about yourself, your car and the type of cover you want, and we’ll compare deals from our leading panel of insurers.

You’ll can filter quotes by the overall annual and monthly cost, the cover you’ll receive and the excess you’ll need to pay to make a claim. Once you’ve found the deal you want, just click through to the provider to finalise your purchase.

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