Ford Ka insurance group and cost

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

• 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. Updated: June 2024 (source: Confused)

Sign up for a chance to win £800 towards your insurance!

Win £800 towards your cover!

Sign up to receive the latest deals, expert tips, and a chance to win £800! (T&Cs)

Sign uploading

Winners | Emails | Unsubscribe | Privacy

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.

Bottom line

The Ford Ka is a popular city car, and it’s one of the more affordable cars to insure too.

Frequently asked questions

• What is the top speed of a Ford Ka?

  Depending on the model version, you can expect a Ford Ka to reach a top speed of 100 miles per hour.

• Is the Ford Ka safe?

  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.

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

  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 Ka?

  You can buy a Ford Ka at dealerships, using online sellers or from a current owner.

• Is the Ford Ka any good?

  The Ford Ka provides good value for money, but it is limited when it comes to power and handling. It received an average 3-star rating when reviewed by What Car? and Autocar.

• Where can I find Ford Ka car insurance?

  You can compare the costs of Ford Ka car insurance using any price comparison website.

Compare insurance for other Ford models

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

Danny's expertise

Danny has written 317 Finder guides across topics including:

• Car, home and business insurance
• Helping people save money on their insurance
• Project management
• Giving valuable insights to website visitors