Ford Car Insurance

Yes - its4women provides car insurance Ireland wide for a broad range of Ford models. This includes popular options such as the Ford Fiesta, Focus, Puma, Kuga, Mondeo, Galaxy and Ford’s electrified lineup, including the Kuga Hybrid and the fully electric Mustang Mach-E. 

Our policies are designed to suit a wide range of drivers, whether you own a compact hatchback, a practical family SUV or a modern hybrid or electric Ford. 

We do not currently insure classic or vintage Ford vehicles, so older or specialist models may not be eligible for cover. 

If your Ford isn’t listed, or if you’re unsure about eligibility, simply complete a quick online quote and we’ll confirm your cover options instantly. 

In Ireland, every vehicle is assigned to an insurance group from 1 to 50. Cars in lower groups usually cost less to insure, while those in higher groups tend to attract higher premiums due to increased repair costs, stronger performance and higher overall risk. 

Ford models span a wide range of insurance groups depending on the engine, trim level and specification. For example: 

Lower groups: Ford Fiesta, Ford Ka+ 
Mid-range groups: Ford Focus, Ford Puma, Ford EcoSport 
Higher groups: Ford Kuga Hybrid, Ford S-MAX, high-spec Mondeo trims, Mustang Mach-E 

The following factors determine which insurance group a Ford sits in: 

• Vehicle value - Higher-value cars generally fall into higher insurance groups because they cost more to repair or replace after a claim. 

• Parts and repair costs - Hybrid systems, EcoBoost engines and other advanced Ford components can be more expensive to repair or replace. Higher repair costs typically result in a higher insurance group classification. 

• Safety and driver-assist technology - Systems such as Ford Co-Pilot360 (including pre-collision assist and lane-keeping aid) help reduce the likelihood of accidents. Strong safety technology can contribute to more favourable group ratings in some models. 

• Engine size and performance - More powerful engines, high-output EcoBoost variants and performance trims such as ST or RS models are usually placed in higher insurance groups due to their increased performance capability. 

• Crash protection and build quality - Strong Euro NCAP crash-test results and robust structural engineering can help certain Fords qualify for lower group placement by reducing injury and repair risk. 

Insurance groups are only one part of the pricing calculation. Your final Ford car insurance premium will also depend on personal rating factors such as age, driving experience, location, claims history and licence type. 

Ford insurance costs in Ireland vary depending on the model you drive and your individual risk profile. Many popular Ford models such as the Fiesta, Focus and Puma offer good safety ratings, efficient engines and comparatively affordable repair costs, which can help keep premiums competitive. 

Larger vehicles and higher-spec variants including the Ford Kuga, S-MAX, Mustang Mach-E and performance trims such as ST or RS generally fall into higher insurance groups. These models can cost more to insure due to increased performance capability, higher vehicle values and more advanced components. 

At its4women, we focus on delivering competitive pricing, flexible cover options and rewards for safe, claim-free driving - helping Ford owners secure strong value on their car insurance. 

Click here to get a fast online quote in minutes. 

Ford vehicles are known for practicality, efficiency and strong safety performance, but your vehicle insurance price will still depend on personal rating factors and the specific Ford model you drive. The following steps may help reduce the cost of Ford car insurance in Ireland: 

Provide an accurate annual mileage 
If you mainly use your Ford for commuting, school runs or short daily trips, ensure your mileage estimate is realistic. Overstating or understating mileage can influence your premium and may cause issues if you need to make a claim. 

Improve your Ford’s security 
Most Ford models include strong factory security, but additional measures such as steering-wheel locks, approved alarms, immobilisers or trackers can help reduce theft risk. Parking in a secure garage or well-lit area may also support lower premiums. 

Build and protect your No Claims Bonus (NCB) 
Each claim-free year can reduce your insurance costs. Optional NCB protection (where available) may help preserve your discount if you need to make certain types of claims. 

Consider Black Box (Telematics) insurance 
Telematics policies record driving behaviours such as speed, braking, cornering, acceleration and overall journey patterns. Insurers use this data to assess how safely the vehicle is being driven over the course of the policy. A strong driving score can help younger or newly qualified Ford drivers qualify for lower premiums at renewal, while also encouraging safer habits behind the wheel. 

Choose a lower-group Ford model 
Lower-powered or entry-level vehicles such as the Fiesta or certain Focus or Puma variants typically sit in lower insurance groups. High-output EcoBoost engines, ST/RS performance models or larger SUVs tend to sit in higher insurance groups and are therefore more costly to insure. 

Add an experienced named driver 
Adding a more experienced named driver can help younger motorists access lower premiums. However, the main driver must always be the person who uses the vehicle most often. Listing someone else as the main driver - known as fronting - is illegal and can invalidate your car insurance policy. 

Increase your voluntary excess 
A higher excess can reduce your premium, provided the amount is still affordable for you in the event of a claim. 

Yes - we provide cover for a wide range of Ford hybrid and fully electric models, including the Ford Kuga Hybrid, Puma Hybrid (mHEV), Mondeo Hybrid and the fully electric Mustang Mach-E. 

Ford’s electrified lineup is growing rapidly, offering lower running costs, reduced emissions and modern driver-assistance technology. These features have made hybrid and electric Ford vehicles increasingly popular with Irish drivers. 

Get a quick online quote and we’ll confirm your cover options immediately. 

Hybrid and electric Ford models may sometimes cost slightly more to insure because their batteries and electrical systems can be more expensive to repair or replace. 

However, many drivers still experience overall savings due to lower fuel use, reduced motor tax and fewer traditional mechanical servicing needs compared with petrol or diesel cars. 

Ford’s growing electrified lineup including the Kuga Hybrid, Puma Hybrid and Mustang Mach-E is gaining popularity in Ireland and may offer strong long-term value. 

Yes - young drivers in Ireland can insure a Ford. The cost of young driver insurance will depend on several rating factors, including age, licence type, driving experience, claims history, location and the specific Ford model you choose. 

Lower-powered or entry-level Ford models such as the Fiesta or certain Focus variants are often more affordable for young motorists. Larger SUVs, hybrids, EVs or performance versions (including ST or RS models) generally fall into higher insurance groups and may cost more to insure. 

its4women also offers Black Box telematics insurance for young drivers. A small device records driving behaviours such as speed, braking and acceleration and insurers use this data to evaluate driving style over time. Consistently safe driving can help support lower renewal premiums and encourage strong long-term driving habits. 

Yes - you must have valid car insurance in place to legally test-drive a Ford, or any vehicle, on public roads in Ireland. 

Test driving at a dealership: Many authorised Ford dealerships provide temporary demonstration cover for test drives, but this is not guaranteed. Always confirm whether insurance is included. If the dealer does not provide cover, you will need to rely on your own motor insurance policy. 

Private test drives: If you are viewing a used Ford from a private seller, your own insurance policy must allow you to drive another person’s vehicle. A “driving other cars” extension usually provides third-party-only cover, meaning the Ford itself would not be covered for damage. 

For complete protection: Consider arranging short-term or temporary car insurance that provides comprehensive cover for the duration of the test drive. 

Yes - if you maintain a claim-free driving record, you can build a No Claims Discount (NCD), which may help reduce the cost of your Ford car insurance over time. 

At its4women, we also reward careful, responsible driving with additional benefits, helping Ford drivers maximise long-term value from their cover. 

Ford is an American car brand with deep roots in Ireland - admired by Irish drivers for its practicality, performance, and long-standing reputation for quality. 

Founded in Detroit, Michigan on 16th June 1903 by Henry Ford, the Ford Motor Company is one of the world’s oldest and most influential car manufacturers. Ford revolutionised the automotive industry by introducing mass-production techniques that made cars affordable for ordinary drivers. With over a century of innovation behind it, Ford remains one of the most recognised and trusted automotive names worldwide. 

Ford’s connection to Ireland runs deep. Henry Ford was the son of Irish immigrants from County Cork, and in 1917, he opened the Ford Motor Works in Cork - Ireland’s first major car manufacturing plant. For more than six decades, the factory produced thousands of vehicles, including the famous Ford Escort, before closing in 1984. 

Over the years, Ford has delivered some of Ireland’s best-selling and most-loved cars - from the small and nimble Fiesta to the dependable Focus and the family-friendly Mondeo. Globally, Ford became synonymous with dependable and innovative vehicles such as the Model T, Cortina, and Sierra - cars that defined generations of motoring. 

Today, Ford Motor Company continues to innovate with advanced safety systems, efficient EcoBoost engines, and an expanding range of hybrid and electric vehicles, including the Mustang Mach-E and Puma Hybrid. Ford remains one of Ireland’s best-loved car brands - combining heritage, performance, and everyday reliability.