Ford Transit Connect Insurance Rates

The average insurance prices for a Ford Transit Connect are $968 every 12 months for full coverage. Comprehensive costs an estimated $140 each year, collision costs $196, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,092. Teens cost the most to insure at $3,968 a year or more.

Average premium for full coverage: $968

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Transit Connect models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Ford Transit Connect insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $588
• Raising to $1,000 deductibles will save approximately $76 a year
• The average price for a good driver age 40 who has $500 deductibles is $968
• Selecting low deductibles increases the price to $1,114
• Unlucky drivers with serious driving violations could pay up to $2,092 or more
• Policy cost to insure a teenage driver can cost as much as $3,968

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 a year, whereas increasing liability limits will increase premiums. 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

More mature drivers with a good driving record and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $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 $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 138% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Ford Transit Connect insurance rates. A middle-age driver might find rates as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,380 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates will be varied.

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 Affordable Ford Transit Connect Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a brief review of the information covered in the above illustrations.

• Drivers can save approximately $110 per year simply by quoting online in advance
• Teenagers are the costliest to insure, costing up to $331 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Drivers with DUI or reckless driving convictions pay on average $1,120 more annually for car insurance
• Consumers who want higher liability limits will pay approximately $520 each year to raise from a 30/60 limit to a 250/500 level