Ford Transit Car Insurance Cost 2025
On average, insuring a Ford Transit costs $1,425 per year. However, the actual cost may vary depending on factors like your age, the vehicle’s model year, and other individual details. You can use our quote tables below to get a more accurate estimate for your specific situation.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Ford Transit, you need to consider the cost of insurance. Insurance is a crucial aspect of owning a car, and it’s important to understand its implications before making a purchase. On average, insurance for a Ford Transit cost $1,425 per year.
Selecting the right car insurance policy is essential to avoid unexpected and potentially high expenses in the future. It’s vital to ensure you have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed responsible for an accident.
With over ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors such as your age, driving record, and even your location can significantly impact your insurance premiums.
How Much Does Ford Transit Car Insurance Cost?
Typically, Ford Transit drivers can expect to pay an average of $1,425 per year for car insurance.
It’s important to understand that car insurance costs can vary significantly based on a variety of factors. These include your location, driving history, the model year of your vehicle, and the specific coverage options you choose. Maintaining a clean driving record can lead to lower premiums, while a history of accidents or traffic violations may result in higher costs.
Additionally, living in an urban area with heavy traffic typically leads to higher insurance rates compared to rural areas with less traffic. The type of coverage you select also affects your premium—comprehensive coverage, which includes both comprehensive and collision, generally costs more than minimum liability coverage.
As shown in the table below, the insurance cost for a Ford Transit is lower than the average for all Ford models and even cheaper than the average cost for all cars.
Insuranceopedia is here to help you compare quotes from various auto insurance providers, ensuring you find the best deal tailored to your needs.
| Vehicle | Average Monthly Premium |
| Ford Transit | $155 |
| All Fords | $186 |
| All Cars | $175 |
Average Insurance Cost Of Ford Transit By Model Year
| Model Year | Average Premium |
| 2023 Ford Transit | $1,783 |
| 2022 Ford Transit | $1,775 |
| 2021 Ford Transit | $1,690 |
| 2020 Ford Transit | $1,327 |
| 2019 Ford Transit | $1,172 |
| 2018 Ford Transit | $975 |
| 2017 Ford Transit | $896 |
| 2016 Ford Transit | $920 |
| 2015 Ford Transit | $832 |
| 2014 Ford Transit | $1,594 |
| 2013 Ford Transit | $1,102 |
| 2012 Ford Transit | $2,830 |
| 2011 Ford Transit | $3,298 |
| 2010 Ford Transit | $631 |
2023 Ford Transit Insurance Rates
The average annual insurance cost for a 2023 Ford Transit is $1,783. However, USAA offers the cheapest rates, averaging $1,215 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $1,915 |
| Alliance United | $2,158 |
| State Farm | $2,129 |
| Safeco | $1,302 |
| Bristol West | $1,650 |
| California Capital | $2,005 |
| Mercury | $1,959 |
| Auto Club | $2,160 |
| USAA | $1,215 |
| Unitrin | $1,334 |
2022 Ford Transit Insurance Rates
The average annual insurance cost for a 2022 Ford Transit is $1,775. However, State Farm offers the cheapest rates, averaging $914 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $1,844 |
| Metropolitan | $1,705 |
| Travelers | $1,885 |
| National Farmers Union P | $2,114 |
| Nationwide | $1,168 |
| Westfield | $2,148 |
| Farm Bureau Ins of MI | $2,191 |
| Mercury | $1,807 |
| USAA | $1,978 |
| State Farm | $914 |
2021 Ford Transit Insurance Rates
The average annual insurance cost for a 2021 Ford Transit is $1,690. However, Plymouth Rock Assurance offers the cheapest rates, averaging $1,235 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $1,800 |
| Norfolk and Dedham Group | $1,548 |
| Plymouth Rock Assurance | $1,235 |
| Quincy Mutual | $1,908 |
| Safety Group | $1,617 |
| 21st Century | $1,631 |
| New Jersey Manufacturers | $1,879 |
| Bristol West | $1,563 |
| ACE American Pool | $2,017 |
| USAA | $1,705 |
2020 Ford Transit Insurance Rates
The average annual insurance cost for a 2020 Ford Transit is $1,327. However, Texas Farm Bureau Group offers the cheapest rates, averaging $767 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $1,675 |
| Unitrin | $1,221 |
| Country | $1,506 |
| National General Value | $1,657 |
| Texas Farm Bureau Group | $767 |
| Safeco | $950 |
| Farm Bureau Mutual (IA Group) | $1,247 |
| USAA | $1,442 |
| Bristol West | $1,607 |
| Auto-Owners Insurance Co | $1,201 |
2019 Ford Transit Insurance Rates
The average annual insurance cost for a 2019 Ford Transit is $1,172. However, Safeco offers the cheapest rates, averaging $86 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $86 |
| State Farm | $1,416 |
| Unitrin | $1,383 |
| Nationwide | $1,418 |
| Farmers | $1,273 |
| Westfield | $1,156 |
| Norfolk and Dedham Group | $1,716 |
| National General Value | $1,141 |
| Bristol West | $1,122 |
| American Family | $1,006 |
2018 Ford Transit Insurance Rates
The average annual insurance cost for a 2018 Ford Transit is $975. However, Safeco offers the cheapest rates, averaging $204 per year.
| Insurance Provider | Average Annual Cost |
| Country | $1,282 |
| North Carolina Farm Bureau | $1,161 |
| Erie | $1,152 |
| USAA | $1,186 |
| SECURA Insurance | $709 |
| Wolverine Mutual | $924 |
| Cincinnati Insurance | $1,293 |
| Nationwide | $1,129 |
| Kemper Auto | Infinity | $706 |
| Safeco | $204 |
2017 Ford Transit Insurance Rates
The average annual insurance cost for a 2017 Ford Transit is $896. However, American National P offers the cheapest rates, averaging $379 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,177 |
| Wolverine Mutual | $977 |
| SECURA Insurance | $671 |
| Virginia Farm Bureau | $1,099 |
| American National P | $379 |
| Auto-Owners Insurance Co | $1,238 |
| Safeco | $454 |
| Mutual Of Enumclaw | $1,246 |
| Texas Farm Bureau Group | $673 |
| American Family | $1,048 |
2016 Ford Transit Insurance Rates
The average annual insurance cost for a 2016 Ford Transit is $920. However, Safeco offers the cheapest rates, averaging $345 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,177 |
| Western Reserve | $1,085 |
| Erie | $888 |
| Buckeye Insurance Group | $849 |
| Celina Insurance Group | $1,181 |
| Safeco | $345 |
| New York Central Mutual Fire | $670 |
| GMAC Insurance Group | $1,251 |
| Texas Farm Bureau Group | $728 |
| North Carolina Farm Bureau | $1,026 |
2015 Ford Transit Insurance Rates
The average annual insurance cost for a 2015 Ford Transit is $832. However, Kemper Auto | Infinity offers the cheapest rates, averaging $495 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $599 |
| Indiana Farmers Mutual Ins | $807 |
| Western Reserve | $1,067 |
| Colorado Farm Bureau Mutual | $1,010 |
| North Carolina Farm Bureau | $986 |
| American National P | $521 |
| Buckeye Insurance Group | $738 |
| Pekin Insurance | $1,043 |
| Kemper Auto | Infinity | $495 |
| Texas Farm Bureau Group | $1,051 |
2014 Ford Transit Insurance Rates
The average annual insurance cost for a 2014 Ford Transit is $1,594. However, Metropolitan offers the cheapest rates, averaging $726 per year.
| Insurance Provider | Average Annual Cost |
| MEEMIC Insurance Company | $2,189 |
| SECURA Insurance | $930 |
| Unitrin | $1,278 |
| Travelers | $2,038 |
| Chubb | $1,917 |
| Hastings Mutual Insurance Co | $2,152 |
| Auto-Owners Insurance Co | $1,835 |
| Nationwide | $1,612 |
| USAA | $1,258 |
| Metropolitan | $726 |
2013 Ford Transit Insurance Rates
The average annual insurance cost for a 2013 Ford Transit is $1,102. However, Westfield offers the cheapest rates, averaging $661 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $1,003 |
| Travelers | $1,199 |
| Farmers | $1,850 |
| Unitrin | $1,420 |
| Allied | $709 |
| American Family | $1,108 |
| Hastings Mutual Insurance Co | $581 |
| Sentry | $1,132 |
| Westfield | $661 |
| Metropolitan | $1,352 |
2012 Ford Transit Insurance Rates
The average annual insurance cost for a 2012 Ford Transit is $2,830. However, State Farm offers the cheapest rates, averaging $1,006 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,074 |
| Travelers | $2,681 |
| Farmers | $2,198 |
| State Farm | $1,006 |
| Nationwide | $3,741 |
| Hanover | $7,190 |
| Metropolitan | $1,960 |
| USAA | $2,786 |
2011 Ford Transit Insurance Rates
The average annual insurance cost for a 2011 Ford Transit is $3,298. However, Mercury offers the cheapest rates, averaging $1,585 per year.
| Insurance Provider | Average Annual Cost |
| Westfield | $2,670 |
| Farm Bureau Ins of MI | $2,007 |
| Metropolitan | $1,875 |
| Encompass | $4,695 |
| Bristol West | $4,624 |
| Direct General Insurance | $2,563 |
| Mercury | $1,585 |
| Farmers | $2,938 |
| Hanover | $6,728 |
2010 Ford Transit Insurance Rates
The average annual insurance cost for a 2010 Ford Transit is $631. However, Safeco offers the cheapest rates, averaging $408 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $408 |
| Buckeye Insurance Group | $525 |
| Kentucky Farm Bureau | $518 |
| SECURA Insurance | $605 |
| Utica National Ins Group | $658 |
| Western National | $642 |
| Texas Farm Bureau Group | $682 |
| North Carolina Farm Bureau | $716 |
| Partners Mutual Insurance Co | $757 |
| Grinnell Mutual | $796 |
Find Affordable Ford Transit Insurance Rates
Is A Ford Transit Expensive To Insure?
The cost to insure a Ford Transit is cheaper than the average for all cars. However, the actual premium you’ll pay can vary based on factors like your age, the vehicle’s age, your location, and other individual details.
Cost of Ford Transit Car Insurance By Age
Age plays a crucial role in determining car insurance rates. Teenagers typically face the highest premiums since they are statistically more likely to be involved in accidents compared to other age groups. As drivers get older and gain more experience, their premiums tend to decrease as they become perceived as lower-risk drivers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,630 | $9,756 | $11,463 |
| 18 | $6,208 | $9,133 | $10,615 |
| 19 | $5,484 | $8,071 | $9,435 |
| 20 | $4,741 | $7,047 | $8,185 |
| 21 | $4,004 | $5,848 | $6,937 |
| 22 | $3,949 | $5,731 | $6,727 |
| 23 | $3,368 | $5,031 | $5,838 |
| 24 | $3,227 | $4,798 | $5,612 |
| 25 | $2,778 | $4,116 | $4,847 |
| 30 | $2,214 | $3,221 | $3,768 |
| 35 | $2,055 | $3,015 | $3,496 |
| 40 | $1,980 | $2,851 | $3,377 |
| 45 | $1,875 | $2,809 | $3,259 |
| 55 | $1,711 | $2,528 | $3,022 |
| 65 | $1,813 | $2,711 | $3,153 |
| 75 | $2,356 | $3,404 | $3,943 |
Ford Transit Car Insurance Rates By State
Where you live has a significant impact on how insurance companies determine rates. Each state regulates its own auto insurance, leading to variations in premiums. For example, drivers in Michigan often pay higher rates because the state requires more extensive coverage. Additionally, different regions experience diverse climates—some states are prone to extreme weather events like hurricanes, storms, and flooding.
Furthermore, each location has its own crime and accident statistics, including rates of car thefts, crashes, and vehicle fatalities. Insurance companies take all of these factors into account when calculating the specific insurance rate for your Ford Transit.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,094 | $3,025 | $3,876 |
| Alaska | $1,693 | $2,403 | $2,312 |
| Arizona | $1,900 | $2,790 | $4,165 |
| Arkansas | $2,180 | $3,359 | $3,700 |
| California | $2,357 | $4,170 | $2,423 |
| Colorado | $2,223 | $3,069 | $3,934 |
| Connecticut | $2,859 | $4,421 | $5,627 |
| Delaware | $2,308 | $3,136 | $4,044 |
| Florida | $2,838 | $3,879 | $4,990 |
| Georgia | $2,301 | $3,447 | $3,411 |
| Hawaii | $911 | $1,275 | $885 |
| Idaho | $1,535 | $2,075 | $2,512 |
| Illinois | $1,634 | $2,527 | $2,875 |
| Indiana | $1,687 | $2,563 | $2,920 |
| Iowa | $1,341 | $1,816 | $2,168 |
| Kansas | $1,836 | $2,610 | $3,035 |
| Kentucky | $2,614 | $3,840 | $4,473 |
| Louisiana | $3,279 | $5,021 | $5,492 |
| Maine | $1,292 | $1,769 | $2,554 |
| Maryland | $2,083 | $3,012 | $3,273 |
| Massachusetts | $1,609 | $2,825 | $1,608 |
| Michigan | $3,921 | $5,963 | $9,491 |
| Minnesota | $1,622 | $2,129 | $3,070 |
| Mississippi | $1,953 | $2,824 | $2,776 |
| Missouri | $1,808 | $2,596 | $3,505 |
| Montana | $1,905 | $2,645 | $3,026 |
| Nebraska | $1,560 | $2,394 | $2,565 |
| Nevada | $2,615 | $3,867 | $4,134 |
| New Hampshire | $1,791 | $2,866 | $3,664 |
| New Jersey | $2,048 | $3,115 | $4,135 |
| New Mexico | $2,018 | $3,075 | $3,179 |
| New York | $1,941 | $2,364 | $3,965 |
| North Carolina | $1,135 | $1,979 | $1,421 |
| North Dakota | $1,649 | $2,451 | $2,906 |
| Ohio | $1,434 | $2,233 | $2,280 |
| Oklahoma | $2,310 | $3,228 | $3,694 |
| Oregon | $2,077 | $2,784 | $3,328 |
| Pennsylvania | $1,728 | $2,572 | $3,001 |
| Rhode Island | $2,918 | $4,255 | $4,802 |
| South Carolina | $2,012 | $2,712 | $3,813 |
| South Dakota | $1,763 | $2,619 | $3,011 |
| Tennessee | $2,076 | $3,105 | $4,087 |
| Texas | $2,107 | $3,103 | $3,827 |
| Utah | $1,760 | $2,545 | $3,459 |
| Vermont | $1,335 | $2,153 | $2,270 |
| Virginia | $1,296 | $1,976 | $1,922 |
| Washington | $1,750 | $2,330 | $2,783 |
| West Virginia | $1,780 | $2,482 | $3,151 |
| Wisconsin | $1,764 | $2,669 | $3,116 |
| Wyoming | $1,573 | $2,281 | $2,366 |
Find Affordable Ford Transit Insurance Rates
Cheapest Car Insurance Companies For A Ford Transit
If you’re looking to purchase a new car insurance policy for your Ford Transit, you might want to know which insurance companies offer the most affordable rates. For drivers seeking the lowest cost, CaliforniaCasualty provides a premium starting at $78 per month, making them one of the cheapest options for insuring a Ford Transit. Keep in mind that rates can vary based on your individual driver profile, so this figure serves as an average. To find the best deal tailored to your needs, it’s a good idea to shop around and compare quotes from different providers.
| Company | Average Monthly Rate |
| CaliforniaCasualty | $23 |
| Clearcover | $50 |
| Ohio Mutual | $30 |
| Infinity | $54 |
| MetroMile | $41 |
Common Ford Transit Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each auto insurance provider offers their own set of discounts, there are some common ones you may be eligible for:
- Multi-policy: By bundling your home and auto insurance policies with the same provider, you can often secure a discounted rate.
- Pay annually: Paying your premium in one lump sum rather than monthly installments can sometimes lead to savings.
- Defensive driving: Completing defensive driving courses from a certified institution may qualify you for discounted rates.
There are other discounts available, so it’s a good idea to speak with your insurance agent, as they can help you identify which ones you qualify for.
Ways To Save On Ford Transit Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Ford Transit insurance costs down. Speeding tickets or involvement in accidents can lead to higher premiums.
For example, Ford Transit drivers with a ticket on their record can expect to pay around $60 per month, while those with multiple accidents typically pay an average of $127 per month. By avoiding such incidents, you can significantly lower your insurance costs.
Additionally, the amount you drive impacts your insurance rate. Drivers with lower annual mileage tend to pay less, as they have fewer chances of getting into accidents, making them a lower risk to insure.
For instance, Ford Transit drivers who drive between 5,000 and 7,500 miles per year will generally pay around $79 per month for insurance. In contrast, those who drive over 10,000 miles annually will pay approximately $83 per month.
Compare Ford Transit To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, the figures provided in this guide may vary based on your individual circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Ford Transit?
Yes, you’ll need to provide proof of insurance before driving your Ford Transit off the dealership lot. The best approach is to purchase a policy first and then inform your insurance company about your new vehicle, rather than opting for insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Ford Transit?
The best way to secure the cheapest rates for your Ford Transit is by shopping around and comparing quotes from various auto insurance providers. Fortunately, Insuranceopedia makes it easy for you to compare quotes from multiple companies directly on our website.
