Ford Transit Connect Insurance Rates
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UPDATED: Mar 29, 2024
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The average insurance rates for a Ford Transit Connect are $1,024 a year including full coverage. Comprehensive insurance costs on average $156 each year, collision insurance costs $236, and liability coverage is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,214 or more. Teenage drivers cost the most to insure at up to $4,146 a year.
Average premium for full coverage: $1,024
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Transit Connect models.
Price Range Variability
Using a 40-year-old driver as an example, Ford Transit Connect insurance rates range from as low as $522 for the bare minimum liability coverage to a high rate of $2,214 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than using 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 Information
The chart below breaks down average Ford Transit Connect insurance rates for different risk profiles and scenarios.
- The best discount rate is $616
- Raising to $1,000 deductibles will save around $90 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,024
- Using low deductibles will cost an extra $170 each year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,214
- Policy cost for full coverage for a teenage driver may cost $4,146
Auto insurance rates for a Ford Transit Connect also range considerably based on your risk profile, the model of your Transit Connect, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,100 a year. View Rates by Age
Your home state also has a big influence on Ford Transit Connect insurance rates. A middle-age driver might find rates as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,460 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce rates by up to $260 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $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 41% to 130% more than a normal policy. View High Risk Driver Rates
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 Find Cheap Ford Transit Connect Insurance
Finding cheaper rates on auto insurance consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the concepts that were raised in the charts and tables above.
- Drivers that tend to have accidents or serious violations may pay on average $1,190 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $346 each month if they have full coverage
- You may be able to save as much as $120 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $250 each year
- You may be able to save as much as $120 per year just by quoting online in advance
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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