Compare Ford car insurance estimates from AU's top providers. Whether you drive a Ranger, Everest, Mustang, or Focus, find the right cover at the right price - comprehensive, third party, or fire & theft.
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Ford is one of the most popular vehicle brands in Australia, with the Ford Ranger consistently topping monthly sales charts. Ford's range spans from compact hatchbacks and SUVs through to performance cars and commercial vehicles, offering something for a wide range of Australian drivers.
From an insurance perspective, most Ford models fall into mid-range insurance groups. The Ranger and Everest are competitively priced to insure given their value, while the Mustang sits in a higher bracket due to its performance credentials. Ford parts are readily available through the extensive Australian dealer network, which helps keep repair costs reasonable.
All major Australian insurance providers - including AA Insurance, AMI, State, Tower, and ANZ - offer cover for Ford vehicles. Whether you own a brand-new Ranger from an authorised dealership or a used Focus, you'll have no trouble finding competitive estimates. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Ford models in Australia. Based on a 35-year-old driver with a clean record in Auckland.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Ford Ranger | Ute / Pickup | $25,000-$75,000 | $750-$1,300 | Mid | Australia's best-selling vehicle. Wide range of variants from XL to Wildtrak and Raptor. |
| Ford Everest | Large SUV | $40,000-$80,000 | $850-$1,400 | Mid | Ranger-based SUV popular with families. Strong towing capacity and off-road ability. |
| Ford Escape | Mid-size SUV | $15,000-$45,000 | $650-$1,050 | Low-Mid | Compact SUV with good safety features. Hybrid versions available in newer models. |
| Ford Focus | Hatchback / Sedan | $8,000-$30,000 | $550-$900 | Low-Mid | Popular hatchback. No longer sold new in Australia but large used fleet remains. |
| Ford Mustang | Performance | $45,000-$80,000 | $1,300-$2,200 | High | Iconic performance car. Higher premiums due to power output and repair costs. |
| Ford Puma | Small SUV | $30,000-$45,000 | $650-$1,000 | Low-Mid | Compact crossover with mild-hybrid powertrain. Good safety ratings. |
| Ford Transit / Transit Custom | Commercial Van | $20,000-$65,000 | $800-$1,400 | Mid | Popular commercial van. May require commercial vehicle insurance depending on use. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Choose the right level of protection based on your Ford's age and value.
Covers damage you cause to other vehicles or property. Your Ford is not covered. Best for older Fords worth under $3,000.
Adds fire and theft protection for your Ford. Good value for Fords worth $3,000-$15,000 where replacement cost matters.
Full protection for your Ford. Covers accident damage, theft, fire, weather, vandalism, and third-party liability. Commonly chosen for Fords worth $10,000+.
Understanding these factors can help you find cheaper Ford insurance in Australia.
A Ford Focus is significantly cheaper to insure than a Mustang. Newer models with advanced safety features like Ford Co-Pilot360 can qualify for discounts.
Drivers under 25 pay considerably more. Over-25s with a clean licence and driving history get the best rates on Ford insurance.
Auckland and Wellington typically have higher premiums than smaller centres due to higher theft rates and traffic density.
Fords with factory immobilisers, alarms, or aftermarket tracking devices can attract lower premiums from some Australian insurers.
Up to 65% discount for claim-free years. Protect your NCB - some insurers offer bonus protection so one claim doesn't reset it.
Rangers and Transits used commercially may need a commercial policy. Recreational-only use is typically cheaper to insure.
Practical ways to reduce your Ford insurance premium without sacrificing cover.
Ford premiums can vary by $400+ between providers for the same cover. Always get at least 3 estimates before choosing.
Raising your excess from $400 to $750 can save 10-20% on your premium. Only do this if you can afford the higher excess if you claim.
Most Australian insurers charge a loading for monthly payments. Paying annually can save 5-10% - that could be $70-$140 on a typical Ford Ranger policy.
Insure your Ford alongside your home or contents insurance with the same provider. Multi-policy discounts of 5-15% are common in Australia.
Adding young or inexperienced drivers increases premiums significantly. Only add drivers who regularly use your Ford.
Garaging your Ford overnight and installing an approved alarm or immobiliser can reduce premiums. Let your insurer know about security features.
Key facts about Ford vehicle security and safety performance in Australia.
Ford Rangers are among the most commonly stolen vehicles in Australia, partly because of their sheer popularity on Australian roads. Australian Police data shows utes and trucks are frequently targeted for their catalytic converters, tools stored inside, and strong resale value for parts.
Ford has a strong safety record in Australia, with most current models achieving top safety ratings. Better safety ratings can positively influence your insurance premium.
Common questions about insuring your Ford in Australia.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit the Financial Markets Authority (FMA).
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