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Younger drivers typically find car insurance more expensive because insurers view them as more at risk of having an accident
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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.
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. Zetec - £464 /year to insure
2. Edge - £461 /year to insure
3. Studio - £566/year to insure
1. Style - £593 /year to insure
2. Zetec Climate - £573 /year to insure
3. Studio - £566/year to insure
1. Zetec TI-VCT - £366 /year to insure
2. Collection - £422 /year to insure
3. Edge - £461 /year to insure
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..
Insurers use a range of factors to determine the risk of you making an insurance claim. They include the following:
Younger drivers typically find car insurance more expensive because insurers view them as more at risk of having an accident
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
Some professions, such as travelling salespeople who spend more time on the road, are seen as more likely to have an accident
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
Spending more time on the road increases your chances of being involved in a road accident and this is reflected in your premiums
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
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.
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.
There are three types of car insurance policy to choose from:
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
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
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
There are ways you can try to reduce the premiums you pay when insuring your Ford Ka. Here are a few ideas:
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
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
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
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
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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The original Ford Ka, which went on sale in 1996, was hugely popular in the UK, thanks to its distinctive shape and low running costs. The second generation Ka, which shared the same underpinnings as the Fiat 500, was a bit more conservative but with better equipment and fuel economy. Ford later replaced the three-door Ka with the five-door Ka+, which was based on the Fiesta. All could be considered a good choice as a cheap first car.
Sarah Tooze Car & Van Insurance Expert
