The Ford Transit cargo van is a full-size light commercial vehicle that first debuted in the U.S. with the 1965 model year. The Transit has a rich, long history and is still going strong today. No matter what kind of Ford Transit you own, it needs to be protected with the right car insurance.
When it's time to find the best Ford Transit insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a closer look at how much it costs to insure a Ford Transit by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Transit Cargo Van Car Insurance
Ford Transit cargo van insurance costs an average of $2,156 per year, or approximately $180 per month, for full coverage in 2026.
Progressive, USAA, and Nationwide are the cheapest carriers for model-year 2025 Ford Transit cargo van insurance this year.
Ford Transit insurance costs vary widely by state, with good drivers in Hawaii paying an average of only $911 annually for full coverage, while those in Michigan pay $3,921.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Transit insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Transit cargo van model.
What Is Ford Transit Cargo Van Insurance?
Ford Transit cargo van insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a full-size cargo van, the Transit may require additional coverage beyond what standard sedans need. Further, the Transit's average insurance rates are higher than those for other vans.
Recommended coverage options for Ford Transit drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Commercial vehicle insurance: This covers vehicles used for business purposes. If your Ford Transit cargo van is used by a business for deliveries or other tasks, you'll need this coverage.
Add-on coverage options worth considering for a Ford Transit:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
Your state likely requires certain types of car insurance in order to avoid non-compliance penalties, such as fines and more. A local independent insurance agent can ensure you get set up with all the required car insurance for your Ford Transit cargo van.
How Much Does Ford Transit Cargo Van Insurance Cost?
The average cost of car insurance for a Ford Transit cargo van is $2,156 per year, or approximately $180 per month, for full coverage. However, several factors can influence the cost of Ford insurance, including:
- The specific type of Transit you drive
- Your driving history
- Annual mileage
- The types and amount of coverage you need
- Your claims history
- Your location
- Your credit score (where allowed)
- Vehicle safety features
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Transit full coverage insurance or a basic Ford Transit liability insurance policy. They can also help you find coverage for different models, including Ford Transit wagon car insurance and Ford Transit Connect car insurance.
Is the Ford Transit Cargo Van Expensive to Insure?
Yes, the Ford Transit cargo van is expensive to insure when compared to other Fords and other vehicles in general. The table below compares the Transit cargo van's average monthly auto insurance rates to those of other Fords and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford Transit Cargo Van | $180 |
| All Fords | $163 |
| All Cars | $175 |
Ford Transit Cargo Van Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Transit cargo van and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Ford Transit* | $2,085 |
| 2025 Ford Transit | $2,158 |
| 2023 Ford Transit | $1,783 |
| 2022 Ford Transit | $1,775 |
| 2021 Ford Transit | $1,690 |
| 2020 Ford Transit | $1,327 |
| 2019 Ford Transit | $1,172 |
| 2018 Ford Transit | $975 |
| 2017 Ford Transit | $896 |
| 2016 Ford Transit | $920 |
| 2015 Ford Transit | $832 |
| 2014 Ford Transit | $1,594 |
| 2013 Ford Transit | $1,102 |
| 2012 Ford Transit | $2,830 |
| 2011 Ford Transit | $3,298 |
| 2010 Ford Transit | $631 |
*Note: The 2026 Transit's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Ford Transit Car Insurance Companies for 2026
Many insurers offer affordable Ford Transit cargo van insurance. These top-rated Ford car insurance companies provide the cheapest model-year 2025 Transit cargo van insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,406 |
| USAA | $1,702 |
| Nationwide | $1,821 |
| Erie | $1,851 |
| American Family | $2,113 |
| Allstate | $3,090 |
Ford Transit Cargo Van Insurance Rates by State and Driver Profile
Car insurance premiums can be greatly influenced by your location, driving history, and credit. Here are some average auto insurance rates for the Ford Transit cargo van by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,094 | $3,025 | $3,876 |
| Alaska | $1,693 | $2,403 | $2,312 |
| Arizona | $1,900 | $2,790 | $4,165 |
| Arkansas | $2,180 | $3,359 | $3,700 |
| California | $2,357 | $4,170 | $2,423 |
| Colorado | $2,223 | $3,069 | $3,934 |
| Connecticut | $2,859 | $4,421 | $5,627 |
| Delaware | $2,308 | $3,136 | $4,044 |
| Florida | $2,838 | $3,879 | $4,990 |
| Georgia | $2,301 | $3,447 | $3,411 |
| Hawaii | $911 | $1,275 | $885 |
| Idaho | $1,535 | $2,075 | $2,512 |
| Illinois | $1,634 | $2,527 | $2,875 |
| Indiana | $1,687 | $2,563 | $2,920 |
| Iowa | $1,341 | $1,816 | $2,168 |
| Kansas | $1,836 | $2,610 | $3,035 |
| Kentucky | $2,614 | $3,840 | $4,473 |
| Louisiana | $3,279 | $5,021 | $5,492 |
| Maine | $1,292 | $1,769 | $2,554 |
| Maryland | $2,083 | $3,012 | $3,273 |
| Massachusetts | $1,609 | $2,825 | $1,608 |
| Michigan | $3,921 | $5,963 | $9,491 |
| Minnesota | $1,622 | $2,129 | $3,070 |
| Mississippi | $1,953 | $2,824 | $2,776 |
| Missouri | $1,808 | $2,596 | $3,505 |
| Montana | $1,905 | $2,645 | $3,026 |
| Nebraska | $1,560 | $2,394 | $2,565 |
| Nevada | $2,615 | $3,867 | $4,134 |
| New Hampshire | $1,791 | $2,866 | $3,664 |
| New Jersey | $2,048 | $3,115 | $4,135 |
| New Mexico | $2,018 | $3,075 | $3,179 |
| New York | $1,941 | $2,364 | $3,965 |
| North Carolina | $1,135 | $1,979 | $1,421 |
| North Dakota | $1,649 | $2,451 | $2,906 |
| Ohio | $1,434 | $2,233 | $2,280 |
| Oklahoma | $2,310 | $3,228 | $3,694 |
| Oregon | $2,077 | $2,784 | $3,328 |
| Pennsylvania | $1,728 | $2,572 | $3,001 |
| Rhode Island | $2,918 | $4,255 | $4,802 |
| South Carolina | $2,012 | $2,712 | $3,813 |
| South Dakota | $1,763 | $2,619 | $3,011 |
| Tennessee | $2,076 | $3,105 | $4,087 |
| Texas | $2,107 | $3,103 | $3,827 |
| Utah | $1,760 | $2,545 | $3,459 |
| Vermont | $1,335 | $2,153 | $2,270 |
| Virginia | $1,296 | $1,976 | $1,922 |
| Washington | $1,750 | $2,330 | $2,783 |
| West Virginia | $1,780 | $2,482 | $3,151 |
| Wisconsin | $1,764 | $2,669 | $3,116 |
| Wyoming | $1,573 | $2,281 | $2,366 |
Average Ford Transit Cargo Van Insurance Rates by Driver Age and Profile
A driver's age also majorly impacts the cost of their auto coverage. Teens and young drivers pay the most, on average, for Ford Transit insurance. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Ford Transit cargo van insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,208 | $9,133 | $10,615 |
| 20 | $4,741 | $7,047 | $8,185 |
| 25 | $2,778 | $4,116 | $4,847 |
| 30 | $2,214 | $3,221 | $3,768 |
| 35 | $2,055 | $3,015 | $3,496 |
| 40 | $1,980 | $2,851 | $3,377 |
| 45 | $1,875 | $2,809 | $3,259 |
| 55 | $1,711 | $2,528 | $3,022 |
| 65 | $1,813 | $2,711 | $3,153 |
| 75 | $2,356 | $3,404 | $3,943 |
Best Ford Transit Cargo Van Insurance Discounts: How to Lower Your Ford Transit Insurance Premiums
Ford Transit insurance can be pricey. Fortunately, there are several easy ways to potentially reduce your Ford Transit cargo van insurance costs, such as by doing any of the following:
- Ask about Ford Transit insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Ford Transit insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Transit insurance from a trusted carrier near you.
Independent insurance agents know which carriers sell the most affordable Ford Transit cargo van insurance. They can help you save as much money as possible on your Transit cargo van insurance.
An Independent Insurance Agent Can Help You Get the Best Ford Transit Cargo Van Insurance Quotes
When it's time to find the most affordable Ford Transit cargo van insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford Transit insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Transit Cargo Van Insurance
How much does Ford Transit cargo van insurance cost per year?
The average annual cost of full coverage for a Ford Transit cargo van is $2,156 per year, or approximately $180 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Transit cargo van insurance premiums?
Living in a high-theft rate area, having traffic violations or accidents on your record, filing claims in the past, and having poor credit can all lead to higher Ford Transit cargo van insurance premiums.
Is the Ford Transit cargo van expensive to insure?
Yes, the Ford Transit cargo van is expensive to insure when compared to other vans and vehicles in general. While the Ford Transit cargo van averages $180 per month to insure, other vans average just $157.
What are the best and cheapest carriers for Ford Transit cargo van insurance in 2026?
We found that Progressive, USAA, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Ford Transit cargo van insurance this year.
Is insurance cheaper for the Ford Transit cargo van than for other Ford vehicles?
No, the Ford Transit cargo van's average monthly insurance rate of $180 is more expensive than that for other Ford vehicles, which average $163.
How can I get cheaper Ford Transit cargo van insurance?
Finding cheaper Ford Transit cargo van insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/ford-transit-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/ford/transit-cargo/