Ford S-MAX insurance group

The Ford S-MAX is technically a seven-seater SUV, although it boasts a unique design. It’s less cumbersome than a traditional SUV and more versatile too. This means it doesn’t really have too many rivals. This vehicle handles well and boasts all-wheel drive too. In this guide, you’ll find out how much it costs to insure based on the age and location of the driver.

What insurance group does the Ford S-MAX fall under?

Every vehicle on the road is given a specific insurance group that ranges from 1 to 50. The higher the number, the more it will cost to insure. Ford S-MAX models are found in insurance groups ranging from 16 to 34, so costs will vary significantly between different Ford S-MAX insurance groups. As an example, a 30-year-old driver in an average postcode could pay around £585 for cover on a Ford S-MAX 2.0 TDCi AWD Vignale 5d Powershift that is in insurance group 26 or around £1,270 for a Ford S-MAX ST-Line Lux Pack 2.0 Ford EcoBlue 240PS auto 5d that is in insurance group 34. This clearly shows the impact of the premium pricing that occurs when one car is in a much higher insurance group.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. .

Ford S-MAX insurance cost by location

There are several other factors that determine the cost of your car insurance premiums, one of the biggest being your location.

To show the potential impact of your home address, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Ford S-MAX GT Line 1.5 BlueHDi 130 S&S 5d.

• Expensive: £1,402 (London SE1)
• Average: £743 (Newcastle NE1)
• Cheap: £777.59 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations.

Which factors affect my Ford S-MAX insurance rate?

Along with insurance group, here are the other key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. In general, the larger the engine, the more you’ll pay for your car insurance. For example, it may cost £1,059 for insurance for a Ford S-MAX 2.0 TDCi Zetec 5d, while you may pay £3,354 for a Ford S-MAX Vignale 2.0 Ford EcoBlue 240PS auto 5d. That’s a £126 difference based solely on the type of engine.
• Driver location. Insurers use your home address to determine the level of risk that your car may be stolen or involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £1,402 for insurance for a Ford S-MAX ST-Line 2.0 Ford EcoBlue 190PS AWD auto 5d, while the same 30-year-old in Newcastle may only pay £743. So, Londoners would pay £131 extra per year to insure this car based purely on their location.
• Driver age. The youngest drivers will pay the most for car insurance because they are the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £5,754 for the Ford S-MAX ST-Line 2.0 Duratorq TDCi 180PS 5d, while the average 40-year-old Londoner will only pay £1,199. So, in this example, the younger driver would have to pay almost double to insure this car.

Other factors that influence the cost of your insurance include the following:

• The model of your car
• The age of your car
• Your car’s safety rating
• Your car’s security features
• Your annual mileage
• Your driving history and activity
• Your no claim discount
• Your marital status
• Your credit history
• Your occupation

How can I save on my Ford S-MAX premiums?

Car insurance doesn’t need to break the bank. There are various things you can do to lower the cost of your insurance.

• Limit your annual mileage (where possible). If you can limit your mileage by occasionally deciding to travel on foot or by public transport, it can help to save on your premiums.
• Pay annually rather than monthly. Some insurers charge interest if you pay monthly. You can avoid this by paying annually.
• Install extra safety precautions. By adding additional safety measures, you lessen the risk of making a claim on your vehicle. For that reason, insurers are happy to lower your premium when you do so.
• Shop around for the best deal every year. Don’t blindly settle for the renewal price offered to you. There will usually be cheaper options offered by competitors, so browse the price comparison websites for the best deal.

Ford S-MAX facts and trivia

• The Ford S-Max was introduced at the 2006 Geneva Motor Show.
• This vehicle won the 2007 European Car Of The Year

Bottom line

This large SUV is popular, reliable and even award-winning! It costs a lot to insure though, as do most of the cars in this class. Thankfully, there are tips in this guide that will help you keep your premiums lower.

Frequently asked questions

• What is the top speed of a Ford S-MAX?

  You can expect the Ford S-MAX to reach speeds of up to 140 miles per hour, depending on the model.

• Is the Ford S-MAX safe?

  In its Euro NCAP crash tests, this vehicle achieved a full 5-star rating. This rating included an 87% rating for protecting adult occupants and for protecting child occupants.

• How much car tax do I have to pay for the Ford S-MAX?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Ford S-MAX?

  You can buy a Ford S-MAX at dealerships, through online sellers or from a current owner.

• What engine size is the Ford S-MAX?

  Engines are available in petrol and diesel, with sizes ranging between 1.5 litres and 2 litres.

• Where can I find Ford S-MAX car insurance?

  You can compare the costs of Ford S-MAX car insurance using any price comparison website.

• Is a Ford S-MAX expensive to insure?

  Ford S-MAX models can be found in insurance groups ranging from 16 to 34. This broad range means the cost of car insurance will vary significantly. It could cost less than the average vehicle or potentially a lot more.

Written by

Danny Butler

Publisher

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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