Ford Transit Connect Insurance Rates

Average insurance rates for a Ford Transit Connect are $968 a year including full coverage. Comprehensive costs on average $140 a year, collision costs $196, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,092. 16-year-old drivers receive the highest rates at $3,968 a year or more.

Average premium for full coverage: $968

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Transit Connect trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location impacts car insurance rates.

These examples highlight why it is important to compare prices based on a specific location, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Ford Transit Connect insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $588
• Using higher $1,000 deductibles will save around $892 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $968
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,114
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,092 or more
• The cost that insures a 16-year-old driver may cost $3,968 or more

Insurance rates for a Ford Transit Connect can also vary considerably based on the trim level of your Transit Connect, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 138% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

Where you live has a huge impact on Ford Transit Connect insurance prices. A driver around age 40 might see rates as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,380 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles could cut rates by as much as $230 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and rates can be significantly different.

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 Find More Affordable Ford Transit Connect Insurance

Saving money on insurance for a Ford Transit Connect requires avoiding accidents and violations, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a summary of the primary concepts that were touched on above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,120 more each year for car insurance
• Increasing deductibles can save approximately $225 each year
• Teenagers pay higher rates, as much as $331 per month if comprehensive and collision insurance is included