Ford Transit Insurance Made Easy: 2025 Rates, Tips and Savings

• Ford Transit insurance costs an average of $2,198 per year, or around $183 per month for full coverage.
• The cheapest Transit van to insure is the XLT High Roof Extended 2WD trim level at an estimated $2,092 per year. The most expensive is the XLT High Roof Extended AWD at $2,338 annually.
• Out of four vehicles in the large van segment, the Transit ranks third for insurance affordability.

How much does Ford Transit insurance cost?

The average driver should plan on paying an average of $2,198 a year for full coverage to insure a Ford Transit. Collision coverage is an estimated $1,014 a year, comprehensive (or other-than-collision) coverage costs approximately $564, and the remaining liability and medical coverage costs about $620.

The chart below breaks down average car insurance rates on a 2024 Transit with a variety of different driver ages and risk profiles.

Which Transit model is cheapest to insure?

The cheapest trim level of Ford Transit to insure is the XLT High Roof Extended 2WD at around $2,092 per year, or about $174 per month. The next cheapest trim is the XL Low Roof Long 2WD at $2,126 per year, and the third cheapest trim to insure is the XL Medium Roof Long 2WD at $2,146 per year.

The least budget-friendly trim levels of Ford Transit to insure are the XLT High Roof Extended AWD at $2,338 and the XL High Roof Extended AWD at $2,308 per year. Those trim levels will cost an extra $246 and $216 per year, respectively, over the least expensive XLT High Roof Extended 2WD model.

The rate table below details the estimated annual and semi-annual policy costs, plus a monthly amount for budgeting, for each Ford Transit model trim level.

Insurance rates compared to other vans

The Ford Transit ranks third out of four total vehicles in the large van class for insurance affordability. The Transit costs an average of $2,198 per year to insure for full coverage and the segment average is $2,165 per year, a difference of only $33 per year.

When compared to other large vans, insurance for a Ford Transit costs $188 more per year than the Chevrolet Express, and $60 less per year than the Ram Promaster.

The chart below shows how insurance cost for a Ford Transit compares to other vans.

New vs. used insurance rates

Insuring an older Ford Transit, in this case a 2014 vs. a 2024 model, could reduce the cost of insurance by $728 per year. New vehicles have a higher replacement value, and older models are still great vehicles but are just worth less so they have cheaper insurance rates.

The table below shows estimated annual, 6-month, and monthly Ford Transit insurance rates for the 2014 to 2024 model years.

Dropping comprehensive and collision coverage on an older Ford Transit may save you $900 per year, depending on the coverage deductibles and the age of the rated driver.

Eventually, as the vehicle gets older it will make sense to delete one or both physical damage coverages from the policy. As vehicles age and their value decreases from depreciation, the costs required to maintain physical damage insurance starts to exceed the benefit of having it on the policy.

Additional Rates and Information

Other relevant details about insuring a Ford Transit include:

• Gender and age are two big factors. For a 2024 Ford Transit, a 20-year-old man will pay an estimated rate of $4,406 per year, while a 20-year-old female driver pays an estimated $3,164, a difference of $1,242 per year. The females get much better rates. But by age 50, rates for male drivers are $1,948 and female driver rates are $1,900, a difference of only $48.
• Qualify for policy discounts to save money. Discounts may be available if the policyholders take a defensive driving course, work in certain occupations, are military or federal employees, belong to certain professional organizations, or many other policy discounts which could save the average driver as much as $370 per year on Ford Transit insurance.
• Expect to pay a lot for high risk insurance. For a 20-year-old driver, having enough accidents and violations to require a high-risk insurance policy could raise rates by $3,428 or more per year.
• The higher deductible you choose, the lower the policy cost. Increasing your policy deductibles from $500 to $1,000 could save around $358 per year for a 40-year-old driver and $698 per year for a 20-year-old driver.
• Decreasing deductibles will cost more. Lowering your policy deductibles from $500 to $250 could cost an additional $372 per year for a 40-year-old driver and $738 per year for a 20-year-old driver.
• Raise your credit score for cheaper insurance rates. In states that allow an insured’s credit rating to be used as a policy rate factor, having a good credit rating over 800 could see savings as high as $345 per year compared to a lower credit score of 670-739. Conversely, a less-than-perfect credit score could cost around $400 more per year.
• Get a discount from your occupation. The large majority of auto insurance providers offer policy discounts for specific occupations like architects, nurses, emergency medical technicians, doctors, engineers, and other occupations. By qualifying for this discount, you may save between $66 and $228 on your annual Transit insurance bill, depending on the policy coverages.