Ford Kuga insurance group & costs

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

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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 each Ford Kuga model and also the likely cost at a few different ages.

Model / Version
Group (1-50)
Age 20yrs
Age 30yrs
Age 40yrs
Age 50yrs
Link
Ford Kuga Estate 2.0 TDCi (140bhp) Zetec 5d (2008-2012 Gen)
18
£1,395.77
£661.75
£611.82
£613.29
Ford Kuga Estate 2.0 TDCi (140bhp) Zetec 5d Powershift
18
£1,395.77
£661.75
£611.82
£613.29
Ford Kuga Estate 2.0 TDCi (140bhp) Titanium 5d
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga Estate 2.0 TDCi (163bhp) Titanium 5d
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga Estate 2.5T Titanium 5d
22
£1,108.94
£729.30
£624.63
£589.41
Ford Kuga Estate 2.5T Titanium 5d Auto
24
£1,180.48
£772.67
£633.50
£639.42
Ford Kuga Estate 2.5T Titanium X 5d
25
£1,380.34
£861.31
£730.90
£648.06
Ford Kuga Estate 2.5T Titanium X 5d Auto
25
£1,380.34
£861.31
£730.90
£648.06
Ford Kuga Estate 1.6 EcoBoost 150PS Zetec 5d (2012-2020 Gen)
14
£1,047.48
£555.44
£512.66
£517.67
Ford Kuga Estate 1.6 EcoBoost 182PS Titanium 5d Auto
23
£1,416.79
£809.39
£703.65
£656.36
Ford Kuga Estate 1.5 EcoBoost 120PS Zetec 5d
14
£1,047.48
£555.44
£512.66
£517.67
Ford Kuga Estate 1.5 EcoBoost 176PS Titanium 5d Auto
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga Estate 1.5 EcoBoost 182PS Titanium 5d Auto
23
£1,416.79
£809.39
£703.65
£656.36
Ford Kuga Estate 1.5 TDCi 120PS Zetec 5d
16
£1,481.96
£849.03
£660.04
£667.28
Ford Kuga Estate 1.5 TDCi 120PS Titanium 5d Powershift
17
£1,049.13
£693.78
£596.04
£559.18
Ford Kuga Estate 2.0 TDCi 150PS Zetec 5d
20
£1,140.45
£566.99
£560.23
£534.47
Ford Kuga Estate 2.0 TDCi 150PS Titanium 5d Powershift
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga Estate 2.0 TDCi 180PS Titanium 5d
25
£1,380.34
£861.31
£730.90
£648.06
Ford Kuga Estate 2.0 TDCi 180PS Titanium 5d Powershift
25
£1,380.34
£861.31
£730.90
£648.06
Ford Kuga Estate 2.0 TDCi 180PS ST-Line 5d
26
£1,612.10
£890.06
£755.97
£681.74
Ford Kuga Estate 2.0 TDCi 180PS ST-Line 5d Powershift
26
£1,612.10
£890.06
£755.97
£681.74
Ford Kuga Estate 2.0 TDCi 180PS Vignale 5d
27
£1,598.22
£902.37
£784.49
£759.41
Ford Kuga Estate 2.0 TDCi 180PS Vignale 5d Powershift
27
£1,598.22
£902.37
£784.49
£759.41
Ford Kuga Estate 2.0 TDCi 180PS AWD Titanium 5d
24
£1,180.48
£772.67
£633.50
£639.42
Ford Kuga Estate 2.0 TDCi 180PS AWD Titanium 5d Powershift
24
£1,180.48
£772.67
£633.50
£639.42
Ford Kuga Estate 2.0 TDCi 180PS AWD ST-Line 5d
25
£1,380.34
£861.31
£730.90
£648.06
Ford Kuga Estate 2.0 TDCi 180PS AWD ST-Line 5d Powershift
25
£1,380.34
£861.31
£730.90
£648.06
Ford Kuga Estate 2.0 TDCi 180PS AWD Vignale 5d
27
£1,598.22
£902.37
£784.49
£759.41
Ford Kuga Estate 2.0 TDCi 180PS AWD Vignale 5d Powershift
27
£1,598.22
£902.37
£784.49
£759.41
Ford Kuga Estate 2.0 EcoBoost 240PS AWD Titanium 5d Auto
27
£1,598.22
£902.37
£784.49
£759.41
Ford Kuga SUV 1.5 EcoBoost 120PS Zetec 5d (2020 onwards Gen)
10
£913.24
£609.70
£510.36
£471.36
Ford Kuga SUV 1.5 EcoBoost 150PS Titanium 5d
13
£921.95
£573.32
£490.62
£469.68
Ford Kuga SUV 1.5 EcoBoost 150PS ST-Line 5d
13
£921.95
£573.32
£490.62
£469.68
Ford Kuga SUV 1.5 EcoBoost 150PS Vignale 5d
14
£1,047.48
£555.44
£512.66
£517.67
Ford Kuga SUV 2.5 Duratec PHEV 225PS ST-Line 5d Auto
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga SUV 2.5 Duratec PHEV 225PS ST-Line X 5d Auto
22
£1,108.94
£729.30
£624.63
£589.41
Ford Kuga SUV 2.5 Duratec PHEV 225PS Vignale 5d Auto
23
£1,416.79
£809.39
£703.65
£656.36
Ford Kuga SUV 2.5 Duratec FHEV 190PS ST-Line 5d Auto (Full Hybrid)
22
£1,108.94
£729.30
£624.63
£589.41
Ford Kuga SUV 2.5 Duratec FHEV 190PS ST-Line X 5d Auto
23
£1,416.79
£809.39
£703.65
£656.36
Ford Kuga SUV 2.0 EcoBlue 120PS Zetec 5d
17
£1,049.13
£693.78
£596.04
£559.18
Ford Kuga SUV 2.0 EcoBlue 150PS Titanium 5d
19
£1,142.45
£594.10
£573.80
£547.25
Ford Kuga SUV 2.0 EcoBlue 150PS ST-Line 5d
19
£1,142.45
£594.10
£573.80
£547.25
Ford Kuga SUV 2.0 EcoBlue 190PS AWD ST-Line 5d Auto
25
£1,380.34
£861.31
£730.90
£648.06
Ford Kuga SUV 2.0 EcoBlue 190PS AWD Vignale 5d Auto
26
£1,612.10
£890.06
£755.97
£681.74
Ford Kuga SUV 2.5 Duratec PHEV ST-Line X Edition CVT 5d (2024 model)
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga SUV 2.5 PHEV ST-Line X 5dr CVT (2024 model)
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga SUV 2.5 PHEV ST-Line 5dr CVT (2024 model)
21
£1,072.10
£689.18
£593.39
£527.60
Ford Kuga SUV 2.5 PHEV Vignale 5dr CVT (2024 model)
23
£1,416.79
£809.39
£703.65
£656.36
Ford Kuga SUV 2.5 FHEV ST-Line X 5dr Auto (2024 model)
23
£1,416.79
£809.39
£703.65
£656.36
Ford Kuga SUV 2.0 EcoBlue 120 Titanium 5dr (2024 model)
17
£1,049.13
£693.78
£596.04
£559.18
Ford Kuga SUV 2.0 EcoBlue 150 ST-Line 5dr (2024 model)
19
£1,142.45
£594.10
£573.80
£547.25
Ford Kuga SUV 2.0 EcoBlue 190 ST-Line 5dr Auto (2024 model)
25
£1,380.34
£861.31
£730.90
£648.06

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 £817.43 yearly, or £73.08 paying monthly.

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 Estate 2.0 TDCi (140bhp) Zetec 5d Powershift.

  • Expensive: £1,006.97 (London E10)
  • Mid-range: £661.75 (Chester CH1)
  • Cheap: £540.27 (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:

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

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’25). 51% of Confused.com car insurance customers could save £462.49.
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Danny is 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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