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Ford Insurance Groups

Ford Insurance Groups by Model

The representative UK insurance group (1–50) for 5 Ford models, from group 10 to group 19. Lower groups generally mean cheaper premiums.

Cheapest

Fiesta

Group 10

Models listed

Ford

5

Highest

Kuga

Group 19

UK

Free MOT history, mileage, tax and spec by registration.

Ford insurance groups

Representative group for the most common UK specification of each model. Performance and higher-spec variants typically sit higher.

Representative ABI insurance group (1–50) for 5 Ford models.
ModelBodyInsurance groupBand
Ford FiestaHatchback10Low
Ford FocusHatchback14Low–Medium
Ford PumaSUV14Low–Medium
Ford MondeoHatchback18Low–Medium
Ford KugaSUV19Low–Medium

Insurance groups run 1 (cheapest) to 50 (most expensive), set by the Group Rating Panel (ABI and Lloyd's Market Association) and managed by Thatcham Research. Figures shown are representative of a common UK specification and are a guide, not a quote. Last reviewed August 2026.

All insurance groupsCheck a specific car

How to read a Ford insurance group

The group is assigned to a variant, not a nameplate. Thatcham Research assesses each version of each model against more than 125 data points on behalf of the Group Rating Panel — repair cost and repair strategy, new price and trim, 0–60 time, weight and top speed, the fitment and measured performance of autonomous emergency braking, and how the car stands up to a benchmark set of security tests.

That is why two cars wearing the same Ford badge can be several groups apart, and why a figure quoted against a model name — including the ones above — is a shortlisting tool rather than a quote. Your insurance schedule states the group for your exact car; so will your insurer if you ring them.

A letter after the number is the security suffix: E means security exceeds the requirement for that class of car and the group was lowered, D means it fell short and the group was raised, A is the expected standard, P is provisional and U is unacceptable. The full explanation is on the insurance groups hub, along with the Vehicle Risk Rating system now succeeding the 1–50 scale.

Insurance groups for other makes

Volkswagen insurance groups

4 models, groups 10–20

Vauxhall insurance groups

3 models, groups 10–16

Ford insurance groups — FAQ

What insurance group is a Ford?
Ford models in our data span insurance groups 10 to 19 on the ABI scale of 1 to 50. The exact group depends on the specific model, engine, trim and factory options — the table above lists the representative group for each Ford model we hold spec data for. Higher-performance and higher-trim variants of the same model sit above the figure shown, sometimes by a wide margin.
Which Ford is cheapest to insure?
Of the Ford models we hold real group data for, the lowest is the Ford Fiesta at group 10 (hatchback). Lower groups generally mean lower premiums, but the group is only one input — your age, postcode, licence and claims history, annual mileage and where the car is kept all move the final quote, and for a young driver those can outweigh the group entirely.
Which Ford is most expensive to insure?
In our data the highest-group Ford is the Ford Kuga at group 19. Performance variants and range-topping trims not listed here will sit higher still, because value, power and repair complexity all push the rating up.
Can the same model be in a different insurance group?
Yes. Engine size, trim level, gearbox and factory options all feed the rating, so a base car and the performance version of the same nameplate can be many groups apart. The figures here are representative of the most common UK specification — always confirm the group for the exact variant you are considering before you rely on it.
How do I find the insurance group for my exact Ford?
Your insurance quote, schedule or renewal notice usually states the group for your exact variant, and your insurer or broker can confirm it in a minute. The rating itself is set by the Group Rating Panel and managed by Thatcham Research on behalf of the ABI. Our free check by registration shows the insurance group where we hold spec data for that model, alongside MOT history, mileage, tax status and estimated running costs.

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