Ford Ka insurance group and cost

Find out how much it could cost you to insure your Ford Ka, and what you can do to keep your premiums low.

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The Ford Ka was first manufactured in 1996, and after 20 years, its production finished in 2016, being replaced by the new Ka+ model. The Ka went through three different generations, and is considered a regular and familiar sight on UK roads as it is known to be one of Britain’s favourite cars.

Keep reading to find out more about Ford KA car insurance costs and how you could save on your premiums.

Ford Ka insurance (all models) cost by driver’s age

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Studio 1.2 Ti-VCT 70PS 5d 1 £959 £556 £487 £393 Get Quote
Zetec 1.2 Ti-VCT 70PS 5d 2 £1,003 £582 £510 £411 Get Quote
1.2 Studio 3d 2 £1,003 £582 £510 £411 Get Quote
Studio 1.2 Ti-VCT 70PS (08/2018 on) 5d 3 £1,046 £607 £532 £429 Get Quote
1.2 Style+ 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Studio (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Tattoo (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Tattoo 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Style (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Style 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Grand Prix (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Grand Prix 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Digital (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Digital 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Zetec (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Zetec 3d 3 £1,046 £607 £532 £429 Get Quote
1.3 TDCi Zetec (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.3 TDCi Zetec 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Edge (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Edge 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Zetec White Edition 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Zetec Black Edition 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Tattoo Premium (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Tattoo Premium 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Titanium (Leather) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Titanium (Start Stop) 3d 3 £1,046 £607 £532 £429 Get Quote
1.2 Titanium 3d 3 £1,046 £607 £532 £429 Get Quote
Zetec 1.2 Ti-VCT 70PS (08/2018 on) 5d 4 £1,088 £631 £553 £446 Get Quote
1.3 TDCi Titanium (Start Stop) 3d 4 £1,088 £631 £553 £446 Get Quote
1.3 TDCi Titanium 3d 4 £1,088 £631 £553 £446 Get Quote
Zetec Colour Edition 1.2 Ti-VCT 85PS 5d 5 £1,126 £653 £573 £462 Get Quote
White Edition 1.2 Ti-VCT 85PS 5d 5 £1,126 £653 £573 £462 Get Quote
Zetec 1.2 Ti-VCT 85PS (08/2018 on) 5d 5 £1,126 £653 £573 £462 Get Quote
Zetec 1.2 Ti-VCT 85PS 5d 5 £1,126 £653 £573 £462 Get Quote
Black Edition 1.2 Ti-VCT 85PS 5d 5 £1,126 £653 £573 £462 Get Quote
1.2 Grand Prix II (Start Stop) 3d 5 £1,126 £653 £573 £462 Get Quote
1.2 Studio Connect (Start Stop) 3d 5 £1,126 £653 £573 £462 Get Quote
1.2 Grand Prix III (Start Stop) 3d 5 £1,126 £653 £573 £462 Get Quote
1.2 Metal (Start Stop) 3d 5 £1,126 £653 £573 £462 Get Quote
1.2 Ti-VCT 85PS 5d 6 £1,159 £672 £589 £475 Get Quote
1.3 TDCi Metal (Start Stop) 3d 6 £1,159 £672 £589 £475 Get Quote
Zetec 1.5 TDCi 95PS 5d 10 £1,242 £721 £631 £510 Get Quote
1.5 TDCi 95PS 5d 10 £1,242 £721 £631 £510 Get Quote

What is the average Ford Ka insurance rate?

We wanted to provide you with an idea of how much it may cost you to insure your Ford Ka, so using a scenario, we ran several quotes to get an average figure. In our scenario, you could insure your Ford Ka with a comprehensive policy for monthly payments of £43.54, or a single annual payment of £485.61, on average. To run these quotes, we used the following information:

  • The car is a 2016 model
  • The driver is a 30-year-old teacher from London
  • Manual transmission
  • Petrol
  • 10,000 mileage per year
  • Factory-fitted Thatcham-approved alarm system
  • Used for social, domestic and commuting purposes
  • The car is not modified
  • The car is parked in a car park during the day
  • The car is parked on a driveway at night
  • Five years no claims discount
  • No driving or other convictions for the past 5 years

Which factors affect my Ford Ka insurance rate?

There are a wide variety of factors, both lifestyle and vehicular, that may affect your premiums. We’ve listed some of them below for you:

  • Your age, marital status, job and where you live
  • The model and age of your car
  • Your car’s safety rating, security and any anti-theft precautions
  • Annual mileage
  • Your driving history and activity
  • The size of your car’s engine
  • No claims discount

How can I save on my Ford Ka premiums?

For premiums that don’t break the bank, we’ve devised a list of tips and tricks that may help you to save on your premiums. Our advice is:

  • Pay annually rather than monthly. By paying annually, you could save an average of £36.87 a year.
  • Make yourself a secure investment. Companies like to know that their customers are reliable, so if you keep a good credit rating and a clean history of no claims, you may find yourself being rewarded with lower premiums.
  • Be economical about your car usage. By opting to use public transport to get to work, or walking to the shops, you will keep your mileage, and your premiums, down
  • Don’t just accept your renewal quote. Renewal quotes aren’t always the best option out there, so make sure you compare some quotes and shop around.
  • Install extra safety precautions. Providers don’t like to insure risks, so by investing in some extra safety measures, you may find yourself saving money.
  • Avoid driving convictions. Convictions of any kind will increase your premiums, so you should do your best to avoid any.

Ford Ka facts

  • The Ford Ka was voted 5th for the nation’s favourite first car in 2017.
  • The Ford Ka has a fuel economy of 56mpg, and has between 69-83 horsepower.
  • The Ford Ka is a very popular first car for younger, less experienced drivers.

How safe is Ford Ka?

The Ford Ka was tested by Euro NCAP in 2008, and its results are formulated within the old testing scheme. Whilst the Ka does not have an overall safety score, it received a 4/5 rating for its adult occupant safety, a 3/5 rating for its child occupant safety and a 2/4 rating for pedestrian safety. In the comments that accompanied the Ka’s test scores, it was noted that the small car served good protection for all of its occupants body regions.

As the Ka is somewhat dated, and is now no longer being produced, the safety features that come as standard are fairly limited and basic, but will still protect you in the event of an accident. The Ka comes with standard features such as airbags, as well as ABS with Traction Control to keep you safe in the event of an emergency, and prevent your car from skidding or its wheels from locking.

As previously mentioned, the safer your car is, the lower your premiums may be. For this reason, you may wish to invest in some extra safety measures for your Ka.

Compare insurance for other Ford models

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*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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