Ford S-MAX insurance group

Compare car insurance costs for your Ford S-MAX based on your age and location.

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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 £882 for cover on a Ford S-MAX 2.0 TDCi AWD Vignale 5d Powershift that is in insurance group 26 or around £902 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.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Vignale 2.0 Ford EcoBlue 190PS AWD auto (10/19-) 5d 25 £1,496 £868 £761 £614 Get Quote
Vignale 2.0 Ford EcoBlue 190PS FWD 5d 25 £1,496 £868 £761 £614 Get Quote
2.0 TDCi AWD Vignale 5d Powershift 26 £1,521 £882 £773 £624 Get Quote
2.0 TDCi Vignale 5d 27 £1,541 £894 £783 £632 Get Quote
2.0 TDCi Vignale 5d Powershift 27 £1,541 £894 £783 £632 Get Quote
2.0 EcoBoost Vignale 5d Auto 29 £1,562 £906 £794 £641 Get Quote
Vignale 2.0 Ford EcoBlue 190PS 5d 29 £1,562 £906 £794 £641 Get Quote
Vignale 2.0 Ford EcoBlue 190PS auto 5d 29 £1,562 £906 £794 £641 Get Quote
2.0 TDCi (210bhp) Vignale 5d Powershift 30 £1,562 £906 £794 £641 Get Quote
Vignale 2.0 Ford EcoBlue 190PS AWD auto 5d 30 £1,562 £906 £794 £641 Get Quote
Vignale 2.0 Ford EcoBlue 240PS auto 5d 34 £1,554 £902 £790 £638 Get Quote
2.0 TDCi Zetec 5d 16 £1,364 £791 £693 £560 Get Quote
1.5 EcoBoost Zetec 5d 19 £1,399 £812 £711 £574 Get Quote
Zetec 2.0 Ford EcoBlue 150PS FWD 5d 19 £1,399 £812 £711 £574 Get Quote
Zetec 2.0 Ford EcoBlue 150PS FWD auto 5d 19 £1,399 £812 £711 £574 Get Quote
2.0 TDCi (150bhp) Zetec 5d 20 £1,407 £816 £715 £577 Get Quote
2.0 TDCi (150bhp) Zetec 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
Zetec 2.0 Ford EcoBlue 120PS 5d 20 £1,407 £816 £715 £577 Get Quote
Zetec 1.5 EcoBoost GTDi 165PS 5d 21 £1,417 £822 £720 £581 Get Quote
Zetec 2.0 Ford EcoBlue 150PS 5d 23 £1,449 £841 £736 £594 Get Quote
Zetec 2.0 Ford EcoBlue 150PS auto 5d 23 £1,449 £841 £736 £594 Get Quote
1.5 EcoBoost Titanium (X Pack) 5d 20 £1,407 £816 £715 £577 Get Quote
1.5 EcoBoost Titanium 5d 20 £1,407 £816 £715 £577 Get Quote
2.0 TDCi (150bhp) Titanium (X Pack) 5d 20 £1,407 £816 £715 £577 Get Quote
2.0 TDCi (150bhp) Titanium (X Pack) 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
2.0 TDCi (150bhp) Titanium (X Pack) AWD 5d 20 £1,407 £816 £715 £577 Get Quote
2.0 TDCi (150bhp) Titanium 5d 20 £1,407 £816 £715 £577 Get Quote
2.0 TDCi (150bhp) Titanium 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
2.0 TDCi (150bhp) Titanium AWD 5d 20 £1,407 £816 £715 £577 Get Quote
Titanium 2.0 Ford EcoBlue 150PS FWD 5d 20 £1,407 £816 £715 £577 Get Quote
Titanium 2.0 Ford EcoBlue 150PS FWD auto 5d 20 £1,407 £816 £715 £577 Get Quote
Titanium (Lux Pack) 2.0 Ford EcoBlue 150PS FWD 5d 22 £1,431 £830 £727 £587 Get Quote
Titanium (Lux Pack) 2.0 Ford EcoBlue 150PS FWD auto 5d 22 £1,431 £830 £727 £587 Get Quote
Titanium (X Pack) 1.5 EcoBoost GTDi 165PS 5d 22 £1,431 £830 £727 £587 Get Quote
Titanium 1.5 EcoBoost GTDi 165PS 5d 22 £1,431 £830 £727 £587 Get Quote
2.0 TDCi (180bhp) Titanium (X Pack) 5d 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium (X Pack) 5d Powershift 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium 5d 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium 5d Powershift 24 £1,471 £854 £748 £604 Get Quote
Titanium 2.0 Ford EcoBlue 150PS 5d 24 £1,471 £854 £748 £604 Get Quote
Titanium 2.0 Ford EcoBlue 150PS auto 5d 24 £1,471 £854 £748 £604 Get Quote
Titanium 2.0 Ford EcoBlue 150PS AWD 5d 24 £1,471 £854 £748 £604 Get Quote
Titanium (X Pack) 2.0 Ford EcoBlue 150PS 5d 26 £1,521 £882 £773 £624 Get Quote
Titanium (X Pack) 2.0 Ford EcoBlue 150PS auto 5d 26 £1,521 £882 £773 £624 Get Quote
Titanium (X Pack) 2.0 Ford EcoBlue 150PS AWD 5d 26 £1,521 £882 £773 £624 Get Quote
Titanium 2.0 Ford EcoBlue 190PS 5d 27 £1,541 £894 £783 £632 Get Quote
Titanium 2.0 Ford EcoBlue 190PS auto 5d 27 £1,541 £894 £783 £632 Get Quote
Titanium (X Pack) 2.0 Ford EcoBlue 190PS 5d 29 £1,562 £906 £794 £641 Get Quote
Titanium (X Pack) 2.0 Ford EcoBlue 190PS auto 5d 29 £1,562 £906 £794 £641 Get Quote
ST-Line (Lux Pack) 1.5 EcoBoost GTDi 165PS 5d 22 £1,431 £830 £727 £587 Get Quote
ST-Line 1.5 EcoBoost GTDi 165PS 5d 22 £1,431 £830 £727 £587 Get Quote
ST-Line 2.0 Ford EcoBlue 190PS FWD 5d 23 £1,449 £841 £736 £594 Get Quote
ST-Line (Lux Pack) 2.0 Ford EcoBlue 190PS FWD 5d 24 £1,471 £854 £748 £604 Get Quote
ST-Line 2.0 Ford EcoBlue 190PS AWD auto (10/19-) 5d 24 £1,471 £854 £748 £604 Get Quote
ST-Line (Lux Pack) 2.0 Ford EcoBlue 190PS AWD auto (10/19-) 5d 25 £1,496 £868 £761 £614 Get Quote
ST-Line 2.0 Ford EcoBlue 190PS 5d 27 £1,541 £894 £783 £632 Get Quote
ST-Line 2.0 Ford EcoBlue 190PS auto 5d 27 £1,541 £894 £783 £632 Get Quote
ST-Line (Lux Pack) 2.0 Duratorq TDCi 180PS 5d 28 £1,556 £902 £791 £638 Get Quote
ST-Line (Lux Pack) 2.0 Duratorq TDCi 180PS AWD PowerShift auto 5d 28 £1,556 £902 £791 £638 Get Quote
ST-Line (Lux Pack) 2.0 Duratorq TDCi 180PS PowerShift auto 5d 28 £1,556 £902 £791 £638 Get Quote
ST-Line 2.0 Duratorq TDCi 180PS 5d 28 £1,556 £902 £791 £638 Get Quote
ST-Line 2.0 Duratorq TDCi 180PS AWD PowerShift auto 5d 28 £1,556 £902 £791 £638 Get Quote
ST-Line 2.0 Duratorq TDCi 180PS PowerShift auto 5d 28 £1,556 £902 £791 £638 Get Quote
ST-Line 2.0 Ford EcoBlue 190PS AWD auto 5d 28 £1,556 £902 £791 £638 Get Quote
ST-Line (Lux Pack) 2.0 Ford EcoBlue 190PS 5d 29 £1,562 £906 £794 £641 Get Quote
ST-Line (Lux Pack) 2.0 Ford EcoBlue 190PS auto 5d 29 £1,562 £906 £794 £641 Get Quote
ST-Line (Lux Pack) 2.0 Ford EcoBlue 190PS AWD auto 5d 29 £1,562 £906 £794 £641 Get Quote
ST-Line (Lux Pack) 2.0 Duratorq TDCi 210PS PowerShift auto 5d 30 £1,562 £906 £794 £641 Get Quote
ST-Line (Lux Pack) 2.0 EcoBoost SCTi 240PS auto 5d 30 £1,562 £906 £794 £641 Get Quote
ST-Line 2.0 Duratorq TDCi 210PS PowerShift auto 5d 30 £1,562 £906 £794 £641 Get Quote
ST-Line 2.0 EcoBoost SCTi 240PS auto 5d 30 £1,562 £906 £794 £641 Get Quote
ST-Line 2.0 Ford EcoBlue 240PS auto 5d 32 £1,552 £900 £789 £636 Get Quote
ST-Line Lux Pack 2.0 Ford EcoBlue 240PS auto 5d 34 £1,554 £902 £790 £638 Get Quote
2.0 TDCi (180bhp) Titanium Sport (X Pack) 5d 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium Sport (X Pack) 5d Powershift 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium Sport (X Pack) AWD 5d Powershift 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium Sport 5d 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium Sport 5d Powershift 24 £1,471 £854 £748 £604 Get Quote
2.0 TDCi (180bhp) Titanium Sport AWD 5d Powershift 24 £1,471 £854 £748 £604 Get Quote
2.0 EcoBoost Titanium Sport (X Pack) 5d Auto 26 £1,521 £882 £773 £624 Get Quote
2.0 EcoBoost Titanium Sport 5d Auto 26 £1,521 £882 £773 £624 Get Quote
2.0 TDCi (210bhp) Titanium Sport (X Pack) 5d Powershift 27 £1,541 £894 £783 £632 Get Quote
2.0 TDCi (210bhp) Titanium Sport 5d 27 £1,541 £894 £783 £632 Get Quote

    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: £1,033 (London SE1)
    • Average: £902 (Newcastle NE1)
    • Cheap: £700 (Galashiels TD1)

    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 £948 for insurance for a Ford S-MAX 2.0 TDCi Zetec 5d, while you may pay £1,074 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 £1,033 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 £902. 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 £1,797 for the Ford S-MAX ST-Line 2.0 Duratorq TDCi 180PS 5d, while the average 40-year-old Londoner will only pay £941. 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

    *51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 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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