Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Ford Transit Cargo? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford Transit Cargo car insurance facts

  • Average full coverage auto insurance premium: $94/month

  • Most affordable companies: GEICO ($61/month) & American Family Insurance ($65/month)

  • Transit Cargo car insurance cost vs. average rates: $37 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford Transit Cargo by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Ford Transit Cargo insurer costs by state:

Risk factors affecting Ford Transit Cargo car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford Transit Cargo car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford Transit Cargo repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford Transit Cargo affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford Transit Cargo

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1489
Acuity$1568
Allied$1095
Allstate$1240
American Family$780
Arbella$1196
Country Financial$1352
GEICO$739
Kentucky Farm Bureau$890
Liberty Mutual$1026
Mercury$1036
Nationwide$1135
Progressive$934
Quincy Mutual$1430
State Farm$821
Texas Farm Bureau$1231
The Hanover$1459
Travelers$1326

Compare all 2021 Ford Transit Cargo rates

Average Cost to Insure Per Year

$1135

List Price

$37220

Trims Available

150 - 250 - 350 - 350 HD - Base Engine: 3.5-liter V-6 that provides 275 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights

2020 Ford Transit Cargo

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1460
Allied$1080
Allstate$1237
American Family$769
Arbella$1185
Country Financial$1334
GEICO$721
Kentucky Farm Bureau$889
Liberty Mutual$986
Mercury$1035
Nationwide$1116
Quincy Mutual$1391
State Farm$816
Texas Farm Bureau$1219
The Hanover$1428
Travelers$1309

Compare all 2020 Ford Transit Cargo rates

Average Cost to Insure Per Year

$1080

List Price

$34510

Trims Available

150 - 250 - 350 - 350 HD - Base Engine: 3.5-liter V-6 that provides 275 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford Transit Cargo

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1458
Allied$1076
Allstate$1216
American Family$730
Arbella$1165
Country Financial$1326
GEICO$680
Kentucky Farm Bureau$835
Liberty Mutual$962
Mercury$1025
Nationwide$1106
Quincy Mutual$1354
State Farm$774
Texas Farm Bureau$1206
The Hanover$1399
Travelers$1287

Compare all 2019 Ford Transit Cargo rates

Average Cost to Insure Per Year

$1026

List Price

$34085

Trims Available

150 - 250 - 350 - 350 HD - Base Engine: 3.5-liter V-6 that provides 275 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford Transit Cargo

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1456
Allied$935
Allstate$1142
American Family$680
Arbella$1030
Country Financial$1168
GEICO$635
Kentucky Farm Bureau$770
Liberty Mutual$859
Mercury$912
Nationwide$1026
Quincy Mutual$1280
State Farm$721
Texas Farm Bureau$1059
The Hanover$1359
Travelers$1153

Compare all 2018 Ford Transit Cargo rates

Average Cost to Insure Per Year

$956

List Price

$32380

Trims Available

150 - 250 - 350 - 350 HD - Base Engine: 3.5-liter V-6 that provides 275 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2017 Ford Transit Cargo

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1027
Acuity$ 1027
American Family$ 995
American Family$ 995
Country$ 985
Country$ 985
Erie$ 649
Erie$ 649
Farmers$ 1015
Farmers$ 1015
GEICO$ 461
GEICO$ 461
Nationwide$ 905
Nationwide$ 905
Progressive$ 556
Progressive$ 556
Quincy Mutual$ 1107
Quincy Mutual$ 1107
State Farm$ 658
State Farm$ 658
USAA$ 660
USAA$ 660
Vermont Mutual$ 952
Vermont Mutual$ 952

Compare all 2017 Ford Transit Cargo rates

Average Cost to Insure Per Year

$ 829

List Price

$ 31610

Trims Available

150 - 250 - 350 - 350 HD

2016 Ford Transit Cargo

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 973
Acuity$ 973
American Family$ 1007
American Family$ 1007
Country$ 917
Country$ 917
Erie$ 631
Erie$ 631
Farmers$ 977
Farmers$ 977
GEICO$ 468
GEICO$ 468
Nationwide$ 913
Nationwide$ 913
Progressive$ 548
Progressive$ 548
Quincy Mutual$ 983
Quincy Mutual$ 983
State Farm$ 621
State Farm$ 621
USAA$ 657
USAA$ 657
Vermont Mutual$ 920
Vermont Mutual$ 920

Compare all 2016 Ford Transit Cargo rates

Average Cost to Insure Per Year

$ 827

List Price

$ 30960

Trims Available

150 - 250 - 350 - 350 HD

2015 Ford Transit Cargo

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 953
Acuity$ 953
American Family$ 1018
American Family$ 1018
Country$ 917
Country$ 917
Erie$ 589
Erie$ 589
Farmers$ 972
Farmers$ 972
GEICO$ 461
GEICO$ 461
Nationwide$ 907
Nationwide$ 907
Progressive$ 551
Progressive$ 551
State Farm$ 603
State Farm$ 603
Tennessee Farmers$ 816
Tennessee Farmers$ 816
USAA$ 628
USAA$ 628
Vermont Mutual$ 882
Vermont Mutual$ 882

Compare all 2015 Ford Transit Cargo rates

Average Cost to Insure Per Year

$ 767

List Price

$ 29565

Trims Available

150 - 250 - 350 - 350 HD