Ford Transit Connect Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 29, 2024
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Average insurance rates for a Ford Transit Connect are $968 a year for full coverage. Comprehensive insurance costs around $140, collision costs $196, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,092 or more. Teenage drivers receive the highest rates at $3,968 a year or more.
Average premium for full coverage: $968
Rate estimates for individual coverage type:
Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Transit Connect trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $522 for just liability insurance to a much higher rate of $2,092 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows estimated Ford Transit Connect insurance rates for additional coverage choices and driver risks.
- The best discount rate is $588
- Using higher $1,000 deductibles will save about $76 a year
- The average rate for a 40-year-old driver using $500 deductibles is $968
- Using more expensive low deductibles for physical damage coverage will cost an extra $146 each year
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,092 or more
- The cost for full coverage for a teenage driver with full coverage can be $3,968 or more
Insurance rates for a Ford Transit Connect can also vary considerably based on your driver profile, the trim level of your Transit Connect, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles may only pay around $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age
Where you live has a huge impact on Ford Transit Connect insurance rates. A driver around age 40 might see rates 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $878 | -$90 | -9.3% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,104 | $136 | 14.0% |
| Colorado | $926 | -$42 | -4.3% |
| Connecticut | $996 | $28 | 2.9% |
| Delaware | $1,098 | $130 | 13.4% |
| Florida | $1,214 | $246 | 25.4% |
| Georgia | $894 | -$74 | -7.6% |
| Hawaii | $696 | -$272 | -28.1% |
| Idaho | $656 | -$312 | -32.2% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $728 | -$240 | -24.8% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $922 | -$46 | -4.8% |
| Kentucky | $1,322 | $354 | 36.6% |
| Louisiana | $1,432 | $464 | 47.9% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $798 | -$170 | -17.6% |
| Massachusetts | $776 | -$192 | -19.8% |
| Michigan | $1,684 | $716 | 74.0% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,160 | $192 | 19.8% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,042 | $74 | 7.6% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,084 | $116 | 12.0% |
| New Mexico | $858 | -$110 | -11.4% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $670 | -$298 | -30.8% |
| Oklahoma | $996 | $28 | 2.9% |
| Oregon | $886 | -$82 | -8.5% |
| Pennsylvania | $926 | -$42 | -4.3% |
| Rhode Island | $1,292 | $324 | 33.5% |
| South Carolina | $878 | -$90 | -9.3% |
| South Dakota | $818 | -$150 | -15.5% |
| Tennessee | $850 | -$118 | -12.2% |
| Texas | $1,168 | $200 | 20.7% |
| Utah | $718 | -$250 | -25.8% |
| Vermont | $664 | -$304 | -31.4% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $750 | -$218 | -22.5% |
| West Virginia | $886 | -$82 | -8.5% |
| Wisconsin | $672 | -$296 | -30.6% |
| Wyoming | $864 | -$104 | -10.7% |
Using high physical damage deductibles could cut rates by as much as $230 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be around 43% to 138% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Transit Connect XL 2WD | $968 | $81 |
| Ford Transit Connect XLT 2WD | $968 | $81 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Transit Connect | $236 | $436 | $416 | $1,246 |
| 2022 Ford Transit Connect | $228 | $418 | $430 | $1,234 |
| 2021 Ford Transit Connect | $216 | $404 | $442 | $1,220 |
| 2020 Ford Transit Connect | $206 | $374 | $452 | $1,190 |
| 2019 Ford Transit Connect | $198 | $352 | $456 | $1,164 |
| 2018 Ford Transit Connect | $190 | $316 | $460 | $1,124 |
| 2017 Ford Transit Connect | $178 | $292 | $460 | $1,088 |
| 2016 Ford Transit Connect | $172 | $272 | $464 | $1,066 |
| 2015 Ford Transit Connect | $168 | $254 | $474 | $1,054 |
| 2012 Ford Transit Connect | $140 | $196 | $474 | $968 |
| 2011 Ford Transit Connect | $132 | $178 | $474 | $942 |
Rates are averaged for all Ford Transit Connect models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Ford Transit Connect Insurance
Saving money on auto insurance requires being a safe and courteous driver, maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below is a quick review of the information raised in the charts and tables above.
- Drivers can save up to $110 per year simply by shopping early and online
- Teenage drivers pay higher rates, costing as high as $331 per month for full coverage
- Increasing deductibles can save around $225 each year
- Drivers with a DUI or reckless driving violation may be required to pay an average of $1,120 more every year for auto insurance
- Consumers who may need higher levels of liability will pay an extra $520 each year to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,968 |
| 20 | $2,226 |
| 30 | $982 |
| 40 | $968 |
| 50 | $890 |
| 60 | $872 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,048 |
| $500 | $968 |
| $1,000 | $892 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,063 |
| 100/300 | $1,181 |
| 250/500 | $1,489 |
| 100 CSL | $1,110 |
| 300 CSL | $1,371 |
| 500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,554 |
| 30 | $2,104 |
| 40 | $2,092 |
| 50 | $2,002 |
| 60 | $1,980 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $380 |
Discounts are estimated and may not be available from every company or in every state.
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