Ford Kuga insurance group & cost

The Ford Kuga was first manufactured in 2008 to replace the Ford Escape. This sleek SUV is now in its third generation, and is showing no signs of slowing down in popularity with over a million Kugas and counting having been sold in Europe. At times, its been the continent's biggest selling plug-in hybrid.

Ford Kuga models range from insurance groups 10 to 27, so the cost of insurance can vary significantly depending on which model you have.

Ford Kuga insurance groups and cost

In the table below, we show you the insurance group for different Ford Kuga model versions alongside the likely premiums for different age ranges.

Model / Version	Group (1-50)	Age 20yrs	Age 30yrs	Age 40yrs	Age 50yrs	Link
Ford Kuga SUV (2020 onwards) Zetec 1.5 EcoBoost 120PS	10	£913.24	£609.70	£510.36	£471.36	Get Quote
Ford Kuga SUV (2020 onwards) Zetec 1.5 EcoBlue 120PS	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Ford Kuga SUV (2020 onwards) ST-Line 1.5 EcoBlue 120PS	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Ford Kuga SUV (2020 onwards) Titanium Edition 1.5 EcoBlue Auto	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Ford Kuga SUV (2020 onwards) Zetec 1.5 EcoBoost 150PS	14	£1,047.48	£555.44	£512.66	£517.67	Get Quote
Ford Kuga Estate (2012 - 2020) Zetec 1.5 120PS	14	£1,047.48	£555.44	£512.66	£517.67	Get Quote
Ford Kuga SUV (2020 onwards) ST-Line 1.5 EcoBoost 150PS	15	£1,425.58	£756.46	£695.57	£676.53	Get Quote
Ford Kuga Estate (2012 - 2020) Zetec 1.5 120PS Auto	15	£1,425.58	£756.46	£695.57	£676.53	Get Quote
Ford Kuga SUV (2020 onwards) Zetec 2.0 EcoBlue 150PS mHEV	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Ford Kuga Estate (2012 - 2020) ST-Line 1.5 120PS Auto FWD	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Ford Kuga SUV (2020 onwards) ST-Line 1.5 EcoBoost	17	£1,049.13	£693.78	£596.04	£559.18	Get Quote
Ford Kuga Estate (2012 - 2020) Vignale 1.5 120PS Auto FWD	17	£1,049.13	£693.78	£596.04	£559.18	Get Quote
Ford Kuga SUV (2020 onwards) Vignale 2.0 EcoBlue 150PS mHEV	18	£1,395.77	£661.75	£611.82	£613.29	Get Quote
Ford Kuga Estate (2008 - 2012) Zetec 2.0	18	£1,395.77	£661.75	£611.82	£613.29	Get Quote
Ford Kuga SUV (2020 onwards) Titanium 2.5 Duratec 225PS PHEV Auto	19	£1,142.45	£594.10	£573.80	£547.25	Get Quote
Ford Kuga Estate (2012 - 2020) ST-Line 1.5 176PS Auto AWD	19	£1,142.45	£594.10	£573.80	£547.25	Get Quote
Ford Kuga SUV (2020 onwards) ST-Line 2.5 Duratec 225PS PHEV Auto	20	£1,140.45	£566.99	£560.23	£534.47	Get Quote
Ford Kuga Estate (2012 - 2020) ST-Line 2.0 120PS Auto FWD	20	£1,140.45	£566.99	£560.23	£534.47	Get Quote
Ford Kuga SUV (2020 onwards) ST-Line 2.0 EcoBlue 190PS Auto AWD	21	£1,072.10	£689.18	£593.39	£527.60	Get Quote
Ford Kuga Estate (2008 - 2012) Titanium X 2.0 (140bhp) 2WD	21	£1,072.10	£689.18	£593.39	£527.60	Get Quote
Ford Kuga SUV (2020 onwards) ST-Line 2.5 FHEV	22	£1,108.94	£729.30	£624.63	£589.41	Get Quote
Ford Kuga Estate (2008 - 2012) Titanium 2.5T	22	£1,108.94	£729.30	£624.63	£589.41	Get Quote
Ford Kuga SUV (2020 onwards) Active 2.5 FHEV 4WD Auto	23	£1,416.79	£809.39	£703.65	£656.36	Get Quote
Ford Kuga Estate (2008 - 2012) Titanium X 2.0 (163bhp) Powershift	23	£1,416.79	£809.39	£703.65	£656.36	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium X Sport 1.5 EcoBoost (182bhp) Auto	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium X Sport 2.0 (150bhp) 2WD	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium X Sport 2.0 (163bhp)	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium X Sport 2.0 (163bhp) Powershift	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium 2.0 180PS AWD (X Pack) (09/16)	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium 2.0 180PS Auto AWD (X Pack) (09/16)	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium 2.0 180PS AWD (09/16)	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium 2.0 180PS Auto AWD (09/16)	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium X 2.0 (163bhp)	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium X 2.0 (163bhp) Powershift	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Vignale Panoramic Roof 2.0 150PS FWD	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2012 - 2020) Vignale 2.0 150PS FWD	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga Estate (2008 - 2012) Titanium 2.5T Auto	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Ford Kuga SUV (2020 onwards) Titanium 2.5 PHEV	25	£1,380.34	£861.31	£730.90	£648.06	Get Quote
Ford Kuga Estate (2008 - 2012) Titanium X 2.5T Auto	25	£1,380.34	£861.31	£730.90	£648.06	Get Quote
Ford Kuga SUV (2020 onwards) ST-Line 2.5 PHEV	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Ford Kuga Estate (2012 - 2020) Vignale 2.0 180PS Auto AWD	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Ford Kuga Estate (2012 - 2020) Titanium X Sport 2.0 (180bhp)	27	£1,598.22	£902.37	£784.49	£759.41	Get Quote
Ford Kuga Estate (2012 - 2020) ST-Line Edition 2.0 180PS AWD	27	£1,598.22	£902.37	£784.49	£759.41	Get Quote

Average Ford Kuga insurance cost

To provide you with an idea of how much it may cost you to insure your Ford Kuga, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Ford Kuga with a comprehensive policy for £800.39 yearly, or £71.66 paying monthly.

We generated these quotes using the following assumptions about the vehicle and the driver. We looked at prices for a driver aged 20, 30, 40 and 50. For each age category we took the average price of the 3 best quotes. We said the 20-year-old driver has 3 years of driving experience, the 30-year-old driver has 13 years of driving experience, the 40-year-old driver has 23 years of driving experience and the 50-year-old driver has 25+ years of driving experience, as that is the quote engine's largest option. We used a cheap (TR8), mid-range (CH1) and expensive (E10) postcode for each hypothetical driver.
All other factors were the same. These were:
The vehicle:
- Has a factory-fitted alarm system
- Hasn't been modified
- Would be parked in a work car park during the day
- Would be parked on a driveway at night
- Hadn't been bought yet but would be by the time the policy starts
- Isn't fitted with a dashcam
The driver:
- Is a teacher
- Is male
- Is a non-homeowner
- Has had no accidents or claims in the last 5 years
- Has had no motoring convictions, driving licence endorsements or fixed penalty points in the last 5 years
- Doesn't have any unspent non-motoring convictions
- Has no medical conditions
- Has never had insurance declined, cancelled or special terms imposed
- Has lived in the UK continuously since birth
- Is single and has no children
- Has a full UK manual licence
- Doesn't have use of another vehicle
- Doesn't have any medical conditions
- No driving or other convictions in the last 5 years
Other factors:
- We used 1 January as the birthday for each driver, alongside their respective birth year
- We looked for quotes with a 3-year no-claims discount
- We chose a voluntary excess of £500
- We didn't protect the no-claims bonus
- We looked for quotes for comprehensive policies
- We didn't include additional drivers
- We opted for an annual payment
- We used cars that were first registered in 2020, with an aim to find a mid-range car in that group
- The policy is for social, domestic and commuting purposes
- We looked at policies covering 10,000 miles per year

Ford Kuga insurance cost by location

The table above shows the average cost of Ford Kuga insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Ford Kuga SUV (2020 onwards) Zetec 1.5 EcoBoost 120PS.

Expensive: £858.95 (London E10)
Mid-range: £609.70 (Chester CH1)
Cheap: £406.66 (Newquay TR8)

What factors affect my Ford Kuga insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

Your marital status
Your credit history and job
Your car's safety rating score
The model of your car
The age of your car
Your car's security and any extra anti-theft precautions
Annual miles driven
Your driving history and activity
No-claims discount

How can I save on my Ford Kuga premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of Ford Kuga you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £329.67 to £3,035.44, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.

Frequently asked questions

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Written by

Danny Butler

Publisher

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Danny was a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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Danny has written 292 Finder guides across topics including:

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Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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Ford Kuga insurance group & costs

Find out how much it costs to insure your Ford Kuga, and how to keep your premiums down.

Ford Kuga insurance groups and cost

Average Ford Kuga insurance cost

Ford Kuga insurance cost by location

What factors affect my Ford Kuga insurance rate?

How can I save on my Ford Kuga premiums?

Bottom line

Frequently asked questions

Danny Butler

Jason Loewenthal

More guides on Finder

Ford Kuga insurance group & costs

Find out how much it costs to insure your Ford Kuga, and how to keep your premiums down.

Ford Kuga insurance groups and cost

How we got these rates

Average Ford Kuga insurance cost

How we got this rate

Ford Kuga insurance cost by location

What factors affect my Ford Kuga insurance rate?

How can I save on my Ford Kuga premiums?

Bottom line

Frequently asked questions

How much car tax do I have to pay for the Ford Kuga?

Where can I buy a Ford Kuga?

Danny Butler

Jason Loewenthal

More guides on Finder

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