Ford Transit Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Ford Transit as the average van.

• Liability car insurance for a Transit runs about $79 a month, while full coverage usually averages around $143.

• CaliforniaCasualty provides the lowest average premiums for a Transit with liability only coverage offered for as low as just $18 per month.

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Transit Overview

The Ford Transit is a great budget-friendly van for drivers of all types, with base prices starting at just $24,925 for 2022 models. The Transit is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when thinking about your future insurance prices.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Ford Transit insurance rates are about $127 monthly, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Ford Transit?

Looking at the table above, you can see that when you compare the Ford Transit to other vehicles, insurance costs are more affordable than average. Transit drivers can expect to pay around $143 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the Transit is cheaper, with premiums more than 10% lower than other vehicles in Ford's lineup. But compared to other vehicles of a similar body style, Transit coverage is more expensive than average, with full coverage insurance costs averaging exactly the same rates, but liability insurance premiums coming in at $9 more than other vans.

When compared to all vehicles of any body type, liability only prices are slightly more affordable than average, but run about the same for full coverage policies.

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Who has the Cheapest Car Insurance for a Ford Transit?

Looking for an auto insurance policy for your Ford Transit? You might be most interested in which carrier offers the cheapest prices. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $18 per month from CaliforniaCasualty. With car insurance sometimes as low as $21 a month, Ohio Mutual is the next cheapest auto insurance company.

Rounding out the list are MetroMile, Clearcover, and Infinity. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, your results might be different, since car insurance companies look at a multitude of things when calculating premiums. There's only one way to make sure you find the most affordable possible rates, and that's by checking quotes from a whole bunch of insurance carriers.

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What Factors Affect Car Insurance Rates for a Ford Transit?

There are a whole range of factors that auto insurance companies reference to choose how much to charge you for car insurance -- and every carrier weighs certain variables more than others, so there's not a single company that's the lowest for everyone.

The following sections show an array of variables insurance carriers use to calculate rates:

Vehicle Age

Ford has been making the Transit for quite some time -- and that means the car's age may make a difference in how much you'll pay for auto insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Transits begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Ford Transit is an outlier, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Transits are 6 to 7 years old.

Your Age

How old you are makes a significant difference in how much you pay for car insurance. In the table above, you'll see that those who have more experience on the road pay a lot more compared to teenage drivers. Ford Transit drivers between 18 and 24 actually pay $48 more than those 25 or older.

Insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Transit.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to charge women less than men. The Ford Transit sticks to the norm, where women pay around $18 less than men per month for auto insurance.

Where You Live

You may think it's obvious that things like what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live matters just as much? Because insurance is regulated on the state level and not nationally, costs vary quite a bit from state to state.

For example, the average Ford Transit owner from New York pays about $214 monthly for liability coverage. Meanwhile, on average, the same driver in California will pay less than a third of that price.

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Ford Transit Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your auto insurance is always the smart move when shopping around for a new policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than in monthly installments

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

Although you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), you can influence some of it. Below are just a few of the factors you can use in your favor in order to save money on car insurance:

Your Driving Record

You've no doubt heard ads from insurance carriers promoting large discounts for safe drivers. And you probably wouldn't be surprised that your auto insurance rates will go higher if you get speeding tickets or get into a collision. But you're probably wondering exactly how much these infractions will cost you.

If you look at the table above, you'll notice that accidents will usually cost Transit drivers more than tickets, but both will result in higher than average rates. Ford Transit drivers with one ticket will pay about $63 a month, while drivers with a single accident on their record pay an average of $86 each month (up $7 from the $79/mo. overall average). The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

Another variable that impacts your car insurance prices is the total distance you drive each year. Those who are on the roads less are more likely to go accident-free, so they'll generally be offered less expensive premiums. In the above table, you can see that Ford Transit owners who drive fewer than 2,500 miles every year pay about $69 per month for insurance, while those who put 10,000 miles or more on their cars pay $73.

But if you don't drive much because you work from home or have a second vehicle, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Ford Transits Compare to Other Vehicles?

If you're considering making a Ford Transit your next vehicle, you might be wondering how it compares to other cars. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Visit the table below to see how the Ford Transit compares:

Overall, the Ford Transit is a fantastic value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the average vehicle price in the U.S. is $41,519, the Transit starts at just $24,925.

Full coverage insurance for a Ford Transit is around $287 monthly more expensive than average, while liability only coverage is over $20 cheaper a month.

When it comes to usage, Ford Transit drivers are pretty close to the national average in annual miles driven, with 10,904 miles per year compared to 11,681 for all vehicles.

Ford Transit Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much the average driver pays for car insurance. If you're in the market for a new car, truck, or SUV and the Transit is on your wishlist, knowing what you'll likely pay can be extremely helpful as you weigh your options.

So we've decided to break down Ford Transit insurance rates by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options. We've included some additional information you might find helpful, too, such as the base MSRP, which trim levels are offered, and who offers the cheapest policies for each year the Transit has been around.

Choose Your Model

2022 Ford Transit Car Insurance 2021 Ford Transit Car Insurance 2020 Ford Transit Car Insurance 2019 Ford Transit Car Insurance 2018 Ford Transit Car Insurance 2017 Ford Transit Car Insurance 2016 Ford Transit Car Insurance 2015 Ford Transit Car Insurance 2014 Ford Transit Car Insurance 2013 Ford Transit Car Insurance 2012 Ford Transit Car Insurance 2011 Ford Transit Car Insurance 2010 Ford Transit Car Insurance

2022 Ford Transit Car Insurance

On average, drivers who own a 2022 Transit can expect to pay $60 to $456 per month for liability only and full coverage car insurance, respectively.

With premiums as little as $60 monthly, Safeco offered the most affordable policy we found for the 2022 Ford Transit.

If you're looking for a more exact figure on what you should pay for insurance for a 2022 Ford Transit, you can get free quotes in minutes by just entering your ZIP code below.

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2021 Ford Transit Car Insurance

You can expect full coverage for a 2021 Ford Transit to run about $169 a month, while liability only coverage will average around $92 per month.

Looking for the lowest policy? Esurance offered liability only coverage for as cheap as $56 monthly.

Interested in what your auto insurance premium could look like? Enter your ZIP code below to get lots of personalized quotes for free.

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2020 Ford Transit Car Insurance

It costs about $55 a month for liability or $157 for a full coverage policy for the 2020 Transit.

If you're looking for the lowest possible 2020 Ford Transit insurance policy, Safeco offered the cheapest policy we found, with rates as little as just $39 per month.

If you want to know exactly how much you can expect to pay for your Transit, just enter your ZIP code below and get free quotes in minutes.

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2019 Ford Transit Car Insurance

The average cost to insure a 2019 Ford Transit with liability only coverage is $101 monthly, while full coverage runs around $114 per month.

We found DirectGeneral offered the most affordable policy, with rates as cheap as just $45 monthly.

If you want to know just how much your cost will be, get free quotes in minutes by just entering your ZIP code below.

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2018 Ford Transit Car Insurance

2018 Transit drivers can expect to pay an average of $79 a month for liability or $145 for full coverage.

CaliforniaCasualty has costs as low as $18 per month for the 2018 Ford Transit.

Want to know just how much you'll pay? Get a variety of free customized quotes by just entering your ZIP code below.

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2017 Ford Transit Car Insurance

The average cost to insure a 2017 Ford Transit with liability only coverage is $57 a month, while full coverage runs about $144 monthly.

Infinity offered the cheapest policy we found, with rates sometimes as cheap as $30 a month.

If you want to know exactly how much you can expect to pay for your Transit, just enter your ZIP code below and get several free quotes in minutes.

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2016 Ford Transit Car Insurance

It costs around $55 per month for liability or $134 for a full coverage policy for the 2016 Transit.

With prices sometimes as little as $19 monthly, Infinity offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2016 Ford Transit, these costs might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Ford Transit Car Insurance

On average, drivers who own a 2015 Ford Transit can expect to pay $86 to $161 per month for liability only and full coverage car insurance, respectively.

We found Dairyland offered the lowest policy, with rates as little as just $27 monthly.

Want something more accurate than nationwide averages? Get multiple personalized quotes for free by just entering your ZIP code below.

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2014 Ford Transit Car Insurance

2014 Transit drivers can expect to pay an average of $77 a month for liability or $123 for full coverage.

With rates as low as just $23 monthly, Clearcover offered the cheapest policy we found for the 2014 Ford Transit.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2013 Ford Transit Car Insurance

You can expect full coverage for a 2013 Ford Transit to run about $159 a month, while liability only coverage will average around $93 per month.

If you're looking for the cheapest possible 2013 Ford Transit insurance policy, Workmens offered the lowest policy we found, with rates as cheap as just $26 monthly.

If you want to know exactly how much you can expect to pay for your Transit, get free quotes in minutes by just entering your ZIP code below.

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2012 Ford Transit Car Insurance

It costs about $73 a month for liability or $138 for a full coverage policy for the 2012 Transit.

Elephant has premiums sometimes as little as $27 per month for the 2012 Ford Transit.

Interested in what your auto insurance cost will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing several personalized quotes from the nation's top insurance companies.

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2011 Ford Transit Car Insurance

You can expect full coverage for a 2011 Ford Transit to run around $159 monthly, while liability only coverage will average about $75 a month.

Elephant offered the most affordable policy we found, with rates as little as $23 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2010 Ford Transit Car Insurance

2010 Transit drivers can expect to pay an average of $101 a month for liability or $120 for full coverage.

Looking for the lowest policy? MetLife offered liability only coverage for as cheap as $31 per month.

While these are good estimates of what the average driver might pay to insure a 2010 Ford Transit, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Ford Transit Insurance FAQs

Is a Ford Transit expensive to insure?

Liability insurance runs an average of $79 monthly, while full coverage will cost you around $143. It costs about the same to insure a Ford Transit as insuring the average vehicle. van.

How can I get the best price on car insurance for my Ford Transit?

There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and comparing quotes from numerous carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Ford Transit affect my insurance premiums?

You might have heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. Even though there are many factors insurance carriers look at when they offer costs, your vehicle's color is not factored into that decision.

Do I need to have insurance before I buy a Ford Transit?

Before you can legally drive your new (or new to you) Ford Transit off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the easiest thing to do is to let your car insurance carrier know beforehand.

What car insurance discounts can I get for my Ford Transit?

You will find a variety of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your Transit and more on you, but if your Transit has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know is to get in touch with your insurance company and ask about their list of discounts.