Ford Transit Connect Insurance Rates
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UPDATED: Mar 29, 2024
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U.S. average insurance prices for a Ford Transit Connect are $1,024 every 12 months with full coverage. Comprehensive insurance costs on average $156, collision costs $236, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,214 or more. Teenage drivers pay the highest rates at $4,146 a year or more.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Transit Connect models.
Price Range from Low to High
Using a middle-aged driver as an example, Ford Transit Connect insurance prices go from the cheapest price of $522 for just the minimum liability insurance to the much higher price of $2,214 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities.
The example below illustrates how where you live affects car insurance rates.
The ranges above demonstrate why everyone should get quotes 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details estimated Ford Transit Connect insurance rates for different risk profiles and scenarios.
- The best discount rate is $616
- Choosing higher $1,000 deductibles can save around $90 annually
- The average price for the average middle-age driver with $500 deductibles is $1,024
- Using pricier low deductibles for comp and collision coverage costs an extra $170 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,214 or more
- The price to insure a 16-year-old driver for full coverage may cost $4,146 each year
Car insurance prices for a Ford Transit Connect are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Transit Connect.
Using high physical damage deductibles can save as much as $260 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,700 extra each year, depending on your age. Ford Transit Connect insurance for high-risk drivers ranges from 41% to 130% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Transit Connect insurance prices. A good driver about age 40 could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,380 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $926 | -$98 | -9.6% |
| Alaska | $784 | -$240 | -23.4% |
| Arizona | $848 | -$176 | -17.2% |
| Arkansas | $1,024 | -$0 | 0.0% |
| California | $1,166 | $142 | 13.9% |
| Colorado | $978 | -$46 | -4.5% |
| Connecticut | $1,052 | $28 | 2.7% |
| Delaware | $1,160 | $136 | 13.3% |
| Florida | $1,282 | $258 | 25.2% |
| Georgia | $944 | -$80 | -7.8% |
| Hawaii | $736 | -$288 | -28.1% |
| Idaho | $692 | -$332 | -32.4% |
| Illinois | $762 | -$262 | -25.6% |
| Indiana | $768 | -$256 | -25.0% |
| Iowa | $690 | -$334 | -32.6% |
| Kansas | $974 | -$50 | -4.9% |
| Kentucky | $1,396 | $372 | 36.3% |
| Louisiana | $1,514 | $490 | 47.9% |
| Maine | $632 | -$392 | -38.3% |
| Maryland | $844 | -$180 | -17.6% |
| Massachusetts | $820 | -$204 | -19.9% |
| Michigan | $1,778 | $754 | 73.6% |
| Minnesota | $856 | -$168 | -16.4% |
| Mississippi | $1,226 | $202 | 19.7% |
| Missouri | $908 | -$116 | -11.3% |
| Montana | $1,098 | $74 | 7.2% |
| Nebraska | $806 | -$218 | -21.3% |
| Nevada | $1,228 | $204 | 19.9% |
| New Hampshire | $736 | -$288 | -28.1% |
| New Jersey | $1,144 | $120 | 11.7% |
| New Mexico | $908 | -$116 | -11.3% |
| New York | $1,078 | $54 | 5.3% |
| North Carolina | $590 | -$434 | -42.4% |
| North Dakota | $838 | -$186 | -18.2% |
| Ohio | $708 | -$316 | -30.9% |
| Oklahoma | $1,052 | $28 | 2.7% |
| Oregon | $936 | -$88 | -8.6% |
| Pennsylvania | $978 | -$46 | -4.5% |
| Rhode Island | $1,364 | $340 | 33.2% |
| South Carolina | $926 | -$98 | -9.6% |
| South Dakota | $864 | -$160 | -15.6% |
| Tennessee | $896 | -$128 | -12.5% |
| Texas | $1,232 | $208 | 20.3% |
| Utah | $758 | -$266 | -26.0% |
| Vermont | $702 | -$322 | -31.4% |
| Virginia | $614 | -$410 | -40.0% |
| Washington | $792 | -$232 | -22.7% |
| West Virginia | $936 | -$88 | -8.6% |
| Wisconsin | $710 | -$314 | -30.7% |
| Wyoming | $912 | -$112 | -10.9% |
Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Transit Connect XL 2WD | $1,024 | $85 |
| Ford Transit Connect XLT 2WD | $1,024 | $85 |
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 | $254 | $452 | $390 | $1,254 |
| 2022 Ford Transit Connect | $244 | $448 | $398 | $1,248 |
| 2021 Ford Transit Connect | $236 | $436 | $416 | $1,246 |
| 2020 Ford Transit Connect | $228 | $418 | $430 | $1,234 |
| 2019 Ford Transit Connect | $216 | $404 | $442 | $1,220 |
| 2018 Ford Transit Connect | $206 | $374 | $452 | $1,190 |
| 2017 Ford Transit Connect | $198 | $352 | $456 | $1,164 |
| 2016 Ford Transit Connect | $190 | $316 | $460 | $1,124 |
| 2015 Ford Transit Connect | $178 | $292 | $460 | $1,088 |
| 2012 Ford Transit Connect | $156 | $236 | $474 | $1,024 |
| 2011 Ford Transit Connect | $150 | $214 | $478 | $1,000 |
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 Shop for the Best Cheap Ford Transit Connect Insurance
Getting lower rates on insurance for a Ford Transit Connect takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick review of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,190 more each year for auto insurance
- Increasing physical damage deductibles could save as much as $250 each year
- Teenage drivers are expensive to insure, costing up to $346 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,146 |
| 20 | $2,356 |
| 30 | $1,042 |
| 40 | $1,024 |
| 50 | $938 |
| 60 | $920 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,194 |
| $250 | $1,116 |
| $500 | $1,024 |
| $1,000 | $934 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,024 |
| 50/100 | $1,119 |
| 100/300 | $1,237 |
| 250/500 | $1,545 |
| 100 CSL | $1,166 |
| 300 CSL | $1,427 |
| 500 CSL | $1,617 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,844 |
| 20 | $3,762 |
| 30 | $2,232 |
| 40 | $2,214 |
| 50 | $2,118 |
| 60 | $2,096 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $408 |
Discounts are estimated and may not be available from every company or in every state.
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