Compare Ford car insurance estimates from Australian providers. Whether you drive a Ranger, Everest, Mustang, or Puma, find the right cover for your Ford at the right price - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most trusted car insurance brands and covers hundreds of thousands of Ford vehicles nationwide. Their Safe Driver Rewards and new car replacement make them a strong option for Ford Ranger and Everest owners.
Ford is one of the most iconic vehicle brands in Australia. The Ford Ranger has consistently been the number one selling vehicle in the country, while the Everest, Puma, and Mustang also maintain strong sales. Ford has deep roots in Australian motoring history - the locally-manufactured Falcon was a cultural icon until production ended in 2016.
From an insurance perspective, most Ford models fall into mid-range insurance groups, making them competitively priced to insure. The Ranger and Everest benefit from excellent ANCAP safety ratings and enormous sales volumes, which give insurers extensive claims data and allows for competitive pricing. Ford parts are readily available through the extensive Australian dealer network, helping keep repair costs reasonable.
All major Australian insurers - including AAMI, Allianz, Budget Direct, NRMA, Suncorp, and Youi - offer competitive Ford cover. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Ford models in Australia. Based on a 30-year-old driver with a clean record in a Sydney suburb.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Ford Ranger | Ute / Pickup | $30,000-$80,000 | $800-$1,400 | Mid | Australia's #1 selling vehicle. Wide range from XL work ute to Wildtrak and Raptor. |
| Ford Ranger Raptor | Performance Ute | $75,000-$95,000 | $1,200-$1,800 | Mid-High | High-performance twin-turbo V6 ute. Higher premiums due to performance and value. |
| Ford Everest | Large SUV | $45,000-$85,000 | $900-$1,500 | Mid | Ranger-based family SUV. Strong towing and off-road capability. |
| Ford Puma | Small SUV | $30,000-$48,000 | $680-$1,050 | Low-Mid | Compact crossover with mild-hybrid powertrain. Excellent safety and affordable insurance. |
| Ford Mustang | Performance Car | $55,000-$95,000 | $1,400-$2,400 | High | Iconic muscle car. Higher premiums due to V8 power output and performance classification. |
| Ford Focus (used) | Hatchback / Sedan | $8,000-$28,000 | $550-$900 | Low-Mid | No longer sold new in Australia but large used fleet remains. Affordable to insure. |
| Ford Transit / Transit Custom | Commercial Van | $25,000-$70,000 | $850-$1,500 | 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. May suit older Fords worth under $5,000.
Adds fire and theft protection for your Ford. Worth considering for Fords worth $5,000-$15,000 where replacement cost matters.
Full protection for your Ford. Covers accident damage, theft, fire, storm, hail, vandalism, and third-party liability. Commonly chosen for Fords worth $15,000+.
Understanding these factors can help you find cheaper Ford insurance in Australia.
A Ford Puma is significantly cheaper to insure than a Mustang V8. Newer models with Ford Co-Pilot360 advanced safety features can qualify for lower premiums.
Drivers under 25 pay considerably more. Over-25s with a clean licence and no-claims discount (NCD) history get the best Ford insurance rates.
Premiums in Sydney's western suburbs and parts of Melbourne are higher than regional postcodes. Hail-prone areas attract additional loading for comprehensive cover.
Fords with factory immobilisers, alarms, or aftermarket GPS tracking can attract lower premiums. The Ranger's popularity with thieves makes security especially important.
Maintaining a claims-free record can reduce your Ford premium substantially. Most Australian insurers offer NCD protection options to safeguard your discount.
Rangers and Transits used for commercial purposes may need a commercial vehicle policy. Recreational-only use is typically cheaper to insure than business use.
Practical ways to reduce your Ford insurance premium without sacrificing cover.
Ford premiums can vary by $400+ between Australian insurers for the same model and cover level. Use insurancecompared.com.au to check at least 3 providers.
Raising your excess from $500 to $1,000 can save 10-20% on your premium. Only do this if you can comfortably cover the higher excess when claiming.
Most Australian insurers charge a loading for monthly instalments. Paying annually can save 5-10% - that could mean $70-$150 savings on a typical Ford Ranger policy.
Insure your Ford alongside your home or contents policy with the same provider. Multi-policy discounts of 5-15% are common across Australian insurers.
Ford Rangers are among Australia's most stolen vehicles. Fitting a lockable canopy, aftermarket alarm, and GPS tracker can help reduce premiums and protect your ute.
Adding young or inexperienced drivers increases premiums significantly, especially on performance models like the Mustang. Only add drivers who regularly use the vehicle.
Key facts about Ford vehicle security and safety performance in Australia.
Ford Rangers consistently appear on Australia's most-stolen vehicle lists, partly because of their enormous popularity and strong resale value. The National Motor Vehicle Theft Reduction Council data shows utes are frequently targeted for their catalytic converters, tools stored inside, and strong parts demand.
Ford has an excellent safety record in Australia, with most current models achieving top ANCAP 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 MoneySmart (ASIC). Disputes can be referred to AFCA.
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