Ford Transit Connect Insurance Rates

The average auto insurance rates for a Ford Transit Connect are $1,000 annually including full coverage. Comprehensive costs around $150 each year, collision costs $214, and liability insurance is $478. Liability-only coverage costs around $526 a year, with high-risk coverage costing around $2,162. Teens cost the most to insure at $4,074 a year or more.

Average premium for full coverage: $1,000

Policy rates for type of insurance:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Transit Connect models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $605
• Raising to $1,000 deductibles will save about $82 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,000
• Selecting low deductibles will cost $1,160
• Higher-risk drivers with serious driving violations could pay at least $2,162 or more
• Policy cost with full coverage for a teen driver can be $4,074

Insurance rates for a Ford Transit Connect also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Transit Connect insurance rates. A middle-age driver might find rates as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,430 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied between companies.

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 Buy the Best Ford Transit Connect Insurance

Finding cheaper rates on Ford Transit Connect insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief recap of the ideas that were raised in the charts and tables above.

• Teens are charged the highest rates, with premiums being up to $340 each month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,160 more every year for Transit Connect insurance
• Increasing comprehensive and collision deductibles could save up to $250 each year
• You may be able to save up to $110 per year simply by quoting online in advance