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Ford 90 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 26, 2023

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Your Ford Transit Van insurance rates are affected by many different factors. Your age, where you live, and your driving record are all used to calculate your Ford Transit van costs for insurance. 

If you own a Ford Transit Van, you might need to invest in fuller coverage than your state’s legal liability insurance requirements. But what does liability insurance cover? Read through our comprehensive Ford Transit Van guide to learn all about insurance policy basics, and to discover how to make van insurance cheaper.

Start receiving Ford Transit insurance quotes right away by entering your five-digit ZIP code into our FREE quote comparison tool.

Ford Transit Van Car Insurance Rates

Your driving record, age, and even where you live all impact what you’ll pay for your Ford Transit Van car insurance costs.

Comparing auto insurance through online providers can be fast and easy, in addition you may find lower rates. The most important part is to get rates from all providers so you can get the lowest prices.

If you've never shopped for auto insurance online, you may be confused by the hoards of online companies selling insurance. The are a couple different ways to compare rate quotes from auto insurance companies in your area. The easiest way to find competitive Ford 90 insurance cost involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a Ford 90 can fluctuate considerably depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Your job
  • The amount of protection requested
  • Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new 90 models so the costs to repair may result in lower rates. But new 90 models have more advanced features including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which may give discounted rates.

Liability auto insurance - This coverage provides protection from injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision - This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

Are vans expensive to insure? As you’ve learned from the information above, transit van costs vary depending on your unique needs and driver demographics. However, it is possible to can find cheap van insurance if you know where to look. 

The best van insurance quotes come from comparison shopping and seeking out car insurance discounts. Enter your five-digit ZIP code into our FREE tool below to receive some of the best Ford Transit Van insurance rates. 

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What are the safety ratings for the Ford Transit Van?

When it comes to how much it costs to insure a transit van, understanding the Ford Transit Van safety ratings can help you discover what car insurance discounts you qualify for. It can expose if your vehicle is causing your premiums to increase.

While the Insurance Institute for Highway Safety has not performed a crash test on the Ford Transit Van, the National Highway Traffic Safety Administration has rated the 2018 Ford Transit Low Roof model. 

Check out the safety ratings for the Ford Transit Low Roof Van below.

  • Front driver side: 4 stars
  • Front passenger side: 3 stars
  • Front-seat side barrier and pole: 5 stars
  • Rear-seat side barrier and pole: 5 stars
  • Driver side-barrier: 5 stars
  • Passenger side-barrier: 5 stars
  • Rollover star rating: 3 stars

A 5-star rating is the highest achievable score given by the National Highway Traffic Safety Administration. The Ford Transit Van’s results are middle of the line. The mediocre rollover rating and front passenger-side rating means that this vehicle might not be one of the cheapest vans to insure.

However, whether you’re seeking out pay as you go van insurance or a traditional personal policy, it’ll still be possible to find cheap Ford Transit Van rates. 

Ford Transit Van Compared Against other Vehicles in the Same Class

Comparing the Ford Transit Van to similar vehicles can help you save money, especially if the Ford Transit Van has better insurance loss ratios than other vehicles in its class. 

Officially, the Insurance Institute for Highway Safety classifies the Ford Transit Van as a midsize van.

Check out other comparable midsize vans below.

Both the long and short wheelbase models of the Ford Transit Connect Cargo Van have better than average collision and comprehensive damage insurance loss ratios. If you drive one of these transit vans, your insurance premiums will reflect these exceptional loss ratios. 

Often the cost of insuring a vehicle is tied up with the price of the actual car. Pricier luxury cars cost more to insure, whereas economy sedans receive lower than average rates. 

So how much does a new transit van cost? Consumers usually pay between $25,000 to $42,000 for a new Ford Transit Van. Because these vehicles are relatively affordable and are easy to fix and maintain, your insurance rates will also be more affordable.

You are now an expert on Ford Transit Van insurance rates. Whether you’re looking for the cheapest van insurance on a 2018 Ford Transit Van or older, just enter your ZIP code into our FREE quote comparison tool to start shopping.

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