Ford Kuga insurance group & costs

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.

We’ve researched costs for hundreds of different Ford Kuga model types, and there’s advice below about how to cut car insurance premiums on your Ford Kuga.

Ford Kuga insurance groups and average 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)

Average Ford Kuga insurance costs

To provide you with an indication of how much it could cost you to insure your Ford Kuga, we ran several quotes in order to obtain an average figure. Our results estimated that, on average, you could insure your Ford Kuga with a comprehensive policy for monthly payments of £79.48, or an annual sum of £804.03.

• How we got this rate

  For our enquiries, we used the following information:

  • The car is a 2018 model
  • The driver is a 30-year-old teacher from London
  • Manual transmission
  • Diesel
  • 10,000 mileage per year
  • Factory fitted 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 in the last 5 years.

Which factors affect my Ford Kuga insurance rate?

Unfortunately, there are several factors that may affect the price of your premium. These factors include, but are not limited to:

• 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 Kuga premiums?

Naturally, you don’t want to be shedding out all your hard-earned cash on car insurance premiums. Luckily for you, there are some tricks of the trade that might help you to lower your premium costs, and we’ve helpfully listed the advice below.

• Pay annually rather than monthly. Whilst it may seem like a lot of money to spend in one sum, by paying annually rather than monthly you could potentially save an average of £149.73 a year!
• Be economical about your car usage. By using public transport, or opting for a nice walk to the shops, you could actually save on your insurance premiums.
• Don’t just accept your renewal quote. When it’s time for renewal, the quote that you’re given by your insurance provider isn’t always the best one out there, so make sure you shop around and compare quotes before you commit.
• Install extra safety precautions. Insurance companies don’t like to insure risks, so the safer and more secure your car is, the lower your premium is likely to be
• Avoid driving convictions. This one may sound silly, and just advice for life in general, but avoiding driving convictions and keeping yourself as a secure investment will bring down your premiums.

Ford Kuga facts

• The Ford Kuga is currently considered the 6th most popular car in the UK.
• With a hands-free power tailgate, you can open and close your boot with just the wave of your foot.
• Don’t like parallel parking? This car will do it for you! It has technology to find the perfect parking space to fit your car, and then perfectly reverses into it.

Bottom line

It’s a popular car in the UK and is also geared to keep you safe. That said, its models can have an insurance group rating from 7 right up to 41 so depending on the version you own, you could be facing a hefty insurance premium.

Don’t panic just yet as there are still options to help lower your car insurance. Shop around but don’t look at the price alone as you could end up compromising on cover benefits that you really need. Once you’ve found policies that could work for you, compare the deals to find the best one.

Frequently asked questions

• What is the top speed of a Ford Kuga?

  Depending on the model version, you can expect a Ford Kuga to reach a top speed of 129 miles per hour.

• Is the Ford Kuga safe?

  When tested by Euroncap in 2019, the Ford Kuga was given a 5/5 rating for safety. The vehicle scored a solid 73% for safety assist and in the 80s for child and occupants pedestrians, but even more impressively scored 92% for adult occupant safety.

  You can probably guess that the Ford Kuga comes with a great selection of safety features designed to keep you safe on the road. As previously mentioned, the safer and more secure your vehicle is, the lower your premium will be. The Ford Kuga is a great car for safety, and a great investment to make if you want lower premiums without having to add extra safety measures.

  The Ford Kuga includes features such as ESC, or electronic stability control, with ABS and traction control, designed to keep you safe, and your car’s tires gripped to the road. It features a Seat Belt reminder, as well as speed assistance and adaptive cruise control to keep you within the legal speed limit. Active City Stop is a fantastic feature that helps you to avoid low-speed collisions, with an advanced airbag system designed to keep you safe if you should experience a collision. It also has a Tyre Pressure Monitoring System with early detection for flat or deflating tires.

  As previously mentioned, the safer your car is, the lower your premium is likely to be. It may be worth asking your insurer what extra safety and security features you can add in return for lower premiums.

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

  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 Kuga?

  You can buy a Ford Kuga from dealerships, online sellers or a current owner.

• Is the Ford Kuga any good?

  The Ford Kuga has been highly-rated for its handling, its choice of powertrains and its internal technology. It also offers hybrid models.

• Where can I find Ford Kuga car insurance?

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

• Is a Ford Kuga expensive to insure?

  The Ford Kuga can be found in insurance groups ranging from 7 to 41. That’s a huge range. Some of its models are among the cheaper cars to insure, while other more powerful editions will be very expensive to cover.

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

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Danny has written 321 Finder guides across topics including:

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