Ford Transit Connect Insurance Rates

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UPDATED: Mar 29, 2024

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Average insurance rates for a Ford Transit Connect are $1,000 a year with full coverage. Comprehensive costs on average $150 a year, collision insurance costs $214, and liability coverage costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs around $2,162. Teens receive the highest rates at up to $4,074 a year.

Average premium for full coverage: $1,000

Rate estimates by individual coverage type:

Comprehensive $150
Collision $214
Liability $478

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Transit Connect trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $526 for basic liability insurance to a high of $2,162 for a driver who requires high-risk insurance.

Liability Only $526
Full Coverage $1,000
High Risk $2,162

Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $750
Small Cities $1,050
Large Cities $1,350

These examples demonstrate why it is important to compare prices based on a specific location and risk profile, rather than using averaged prices.

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.

Rate Comparisons

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

  • The cheapest rate after discounts is $605
  • Using higher $1,000 deductibles will save around $918 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,000
  • Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,160
  • Higher-risk drivers with serious driving violations could pay upwards of $2,162
  • The cost for full coverage for a teenage driver may cost $4,074 or more

Auto insurance rates for a Ford Transit Connect can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with a good 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 will have to pay upwards of $4,000 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 $720 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,350 on average in Florida, Michigan, and New York.

Ford Transit Connect Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $906 -$94 -9.4%
Alaska $768 -$232 -23.2%
Arizona $832 -$168 -16.8%
Arkansas $1,000 -$0 0.0%
California $1,140 $140 14.0%
Colorado $956 -$44 -4.4%
Connecticut $1,030 $30 3.0%
Delaware $1,132 $132 13.2%
Florida $1,252 $252 25.2%
Georgia $924 -$76 -7.6%
Hawaii $718 -$282 -28.2%
Idaho $678 -$322 -32.2%
Illinois $746 -$254 -25.4%
Indiana $754 -$246 -24.6%
Iowa $674 -$326 -32.6%
Kansas $954 -$46 -4.6%
Kentucky $1,366 $366 36.6%
Louisiana $1,482 $482 48.2%
Maine $618 -$382 -38.2%
Maryland $826 -$174 -17.4%
Massachusetts $802 -$198 -19.8%
Michigan $1,740 $740 74.0%
Minnesota $838 -$162 -16.2%
Mississippi $1,200 $200 20.0%
Missouri $888 -$112 -11.2%
Montana $1,076 $76 7.6%
Nebraska $790 -$210 -21.0%
Nevada $1,202 $202 20.2%
New Hampshire $720 -$280 -28.0%
New Jersey $1,120 $120 12.0%
New Mexico $886 -$114 -11.4%
New York $1,054 $54 5.4%
North Carolina $576 -$424 -42.4%
North Dakota $820 -$180 -18.0%
Ohio $692 -$308 -30.8%
Oklahoma $1,028 $28 2.8%
Oregon $916 -$84 -8.4%
Pennsylvania $956 -$44 -4.4%
Rhode Island $1,336 $336 33.6%
South Carolina $906 -$94 -9.4%
South Dakota $846 -$154 -15.4%
Tennessee $878 -$122 -12.2%
Texas $1,208 $208 20.8%
Utah $742 -$258 -25.8%
Vermont $686 -$314 -31.4%
Virginia $598 -$402 -40.2%
Washington $774 -$226 -22.6%
West Virginia $916 -$84 -8.4%
Wisconsin $692 -$308 -30.8%
Wyoming $894 -$106 -10.6%

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Ford Transit Connect Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Transit Connect XL 2WD $1,000 $83
Ford Transit Connect XLT 2WD $1,000 $83

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.

Ford Transit Connect Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Ford Transit Connect $244 $448 $398 $1,248
2022 Ford Transit Connect $236 $436 $416 $1,246
2021 Ford Transit Connect $228 $418 $430 $1,234
2020 Ford Transit Connect $216 $404 $442 $1,220
2019 Ford Transit Connect $206 $374 $452 $1,190
2018 Ford Transit Connect $198 $352 $456 $1,164
2017 Ford Transit Connect $190 $316 $460 $1,124
2016 Ford Transit Connect $178 $292 $460 $1,088
2015 Ford Transit Connect $172 $272 $464 $1,066
2012 Ford Transit Connect $150 $214 $478 $1,000
2011 Ford Transit Connect $140 $196 $474 $968

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 Cheaper Ford Transit Connect Insurance

Saving money on auto insurance requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The items below are a condensed summary of the concepts that were presented in the illustrations above.

  • Drivers with multiple at-fault accidents may be required to pay an average of $1,160 more each year to insure their Transit Connect
  • Teen drivers are charged the highest rates, with premiums as much as $340 per month if they have full coverage
  • You may be able to save as much as $110 per year just by quoting early and online
  • Increasing deductibles can save around $250 each year
  • You may be able to save as much as $110 per year just by quoting early and online

Rates by Driver Age

Ford Transit Connect Insurance Rates by Driver Age
Driver Age Premium
16 $4,074
20 $2,300
30 $1,018
40 $1,000
50 $922
60 $900

Full coverage, $500 deductibles

Rates by Deductible

Ford Transit Connect Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,160
$250 $1,088
$500 $1,000
$1,000 $918

Full coverage, driver age 40

Rates by Liability Limit

Ford Transit Connect Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,000
50/100 $1,096
100/300 $1,215
250/500 $1,526
100 CSL $1,143
300 CSL $1,406
500 CSL $1,598

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Transit Connect Insurance Rates for High Risk Drivers
Age Premium
16 $5,740
20 $3,672
30 $2,180
40 $2,162
50 $2,072
60 $2,050

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.

SR-22 Surcharge $135

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $63
Paid in Full/EFT $36
Advance Quote $44
Online Quote $67
Total Discounts $395
Rate after discounts $605

Discounts are estimated and may not be available from every company or in every state.

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