Ford Transit Connect Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
UPDATED: Mar 29, 2024
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Estimated insurance prices for a Ford Transit Connect are $968 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $140, collision costs $196, and liability coverage is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy costing $2,092 or more. Teens pay the most at $3,968 a year or more.
Average premium for full coverage: $968
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Transit Connect trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Ford Transit Connect go from the cheapest price of $522 for just the minimum liability insurance to a much higher rate of $2,092 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using averaged prices.
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 Analysis
The chart below illustrates estimated Ford Transit Connect insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $588
- Raising to $1,000 deductibles will save $76 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $968
- Selecting more expensive low deductibles costs an extra $146 each year
- Unlucky drivers with serious driving violations could pay around $2,092 or more
- An auto insurance policy to insure a teenage driver with full coverage can cost $3,968
Car insurance prices for a Ford Transit Connect also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Transit Connect.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $230 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 138% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Ford Transit Connect insurance rates. A middle-age driver might find prices as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,310 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $878 | -$90 | -9.3% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,104 | $136 | 14.0% |
| Colorado | $926 | -$42 | -4.3% |
| Connecticut | $996 | $28 | 2.9% |
| Delaware | $1,098 | $130 | 13.4% |
| Florida | $1,214 | $246 | 25.4% |
| Georgia | $894 | -$74 | -7.6% |
| Hawaii | $696 | -$272 | -28.1% |
| Idaho | $656 | -$312 | -32.2% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $728 | -$240 | -24.8% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $922 | -$46 | -4.8% |
| Kentucky | $1,322 | $354 | 36.6% |
| Louisiana | $1,432 | $464 | 47.9% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $798 | -$170 | -17.6% |
| Massachusetts | $776 | -$192 | -19.8% |
| Michigan | $1,684 | $716 | 74.0% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,160 | $192 | 19.8% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,042 | $74 | 7.6% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,084 | $116 | 12.0% |
| New Mexico | $858 | -$110 | -11.4% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $670 | -$298 | -30.8% |
| Oklahoma | $996 | $28 | 2.9% |
| Oregon | $886 | -$82 | -8.5% |
| Pennsylvania | $926 | -$42 | -4.3% |
| Rhode Island | $1,292 | $324 | 33.5% |
| South Carolina | $878 | -$90 | -9.3% |
| South Dakota | $818 | -$150 | -15.5% |
| Tennessee | $850 | -$118 | -12.2% |
| Texas | $1,168 | $200 | 20.7% |
| Utah | $718 | -$250 | -25.8% |
| Vermont | $664 | -$304 | -31.4% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $750 | -$218 | -22.5% |
| West Virginia | $886 | -$82 | -8.5% |
| Wisconsin | $672 | -$296 | -30.6% |
| Wyoming | $864 | -$104 | -10.7% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Transit Connect XL 2WD | $968 | $81 |
| Ford Transit Connect XLT 2WD | $968 | $81 |
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 | $236 | $436 | $416 | $1,246 |
| 2022 Ford Transit Connect | $228 | $418 | $430 | $1,234 |
| 2021 Ford Transit Connect | $216 | $404 | $442 | $1,220 |
| 2020 Ford Transit Connect | $206 | $374 | $452 | $1,190 |
| 2019 Ford Transit Connect | $198 | $352 | $456 | $1,164 |
| 2018 Ford Transit Connect | $190 | $316 | $460 | $1,124 |
| 2017 Ford Transit Connect | $178 | $292 | $460 | $1,088 |
| 2016 Ford Transit Connect | $172 | $272 | $464 | $1,066 |
| 2015 Ford Transit Connect | $168 | $254 | $474 | $1,054 |
| 2012 Ford Transit Connect | $140 | $196 | $474 | $968 |
| 2011 Ford Transit Connect | $132 | $178 | $474 | $942 |
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 Shop for the Best Cheap Ford Transit Connect Insurance
Finding better rates on auto insurance consists of being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The following list is a quick review of the information touched on in the above illustrations.
- It is possible to save around $110 per year simply by shopping early and online
- Drivers age 16 to 20 pay the highest auto insurance prices, with premiums being up to $331 per month if the policy includes full coverage
- Increasing policy deductibles could save as much as $225 each year
- Drivers with a DUI or reckless driving violation may have to pay on average $1,120 more per year than a safer driver
- Consumers who purchase an increased level of liability coverage will pay approximately $520 annually to raise from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,968 |
| 20 | $2,226 |
| 30 | $982 |
| 40 | $968 |
| 50 | $890 |
| 60 | $872 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,048 |
| $500 | $968 |
| $1,000 | $892 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,063 |
| 100/300 | $1,181 |
| 250/500 | $1,489 |
| 100 CSL | $1,110 |
| 300 CSL | $1,371 |
| 500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,554 |
| 30 | $2,104 |
| 40 | $2,092 |
| 50 | $2,002 |
| 60 | $1,980 |
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 | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $380 |
Discounts are estimated and may not be available from every company or in every state.
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