Ford Transit Connect Insurance Rates

The average insurance prices for a Ford Transit Connect are $968 every 12 months for full coverage. Comprehensive insurance costs on average $140 a year, collision insurance costs $196, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,092 or more. Teenage drivers cost the most to insure at up to $3,968 a year.

Average premium for full coverage: $968

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Transit Connect trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average Ford Transit Connect insurance rates for different risk profiles and scenarios.

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay around $892 a year
• The average price for a good driver age 40 with $500 deductibles is $968
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $146 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,092
• Policy cost to insure a 16-year-old driver may cost $3,968 a year

Auto insurance rates for a Ford Transit Connect also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Transit Connect.

Using high physical damage deductibles could save up to $230 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 138% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Ford Transit Connect insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,380 on average in Michigan, Louisiana, and New York.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Ford Transit Connect Insurance

Finding cheaper rates on insurance for a Ford Transit Connect not only requires being a low-risk driver, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by quoting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a brief recap of the material that was covered above.

• Insureds who require more liability coverage will pay an extra $520 each year to go from a 30/60 limit to a 250/500 level
• Teen drivers are charged the highest rates, costing up to $331 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,120 more each year to insure their Transit Connect
• Increasing comprehensive and collision deductibles could save as much as $225 each year