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Guide · By Vehicle · Ford Mondeo

Ford Mondeo insurance cost in the UK (2026)

The average UK comprehensive car insurance premium for a Ford Mondeo is about £745 a year in 2026 — a little above the ~£600 average car, which is fair for a large family saloon and estate that spans insurance groups 15–31. The cheap versions to insure are the 1.5 and 1.6 TDCi ECOnetic diesels and the 1.0 EcoBoost petrol, all in group 17; the 2.0 TDCi 180, the 2.0 EcoBoost 240 and the Vignale trims (groups 25–31) cost the most. Full breakdown by version, driver age and region below.

Premiums by version → Other cars
Typical Ford Mondeo insurance costs

Independent research from our UK cost index — sourced from ABI and Confused.com published data.

15–31
Ford Mondeo insurance groups
£745/yr
Average UK Mondeo premium, 2026
from £560
Cheapest 1.5 TDCi diesel, group 17
Direct Answer

How much does it cost to insure a Ford Mondeo?

A typical UK driver pays around £745 a year for comprehensive cover on a Ford Mondeo in 2026, based on aggregated market data — roughly £62 a month if you pay in one go, or about £68 a month on monthly instalments once interest is added. That is a little above the ~£566–£600 UK average, which is a sensible result for a large family car: the Mondeo is a big saloon, hatchback and estate, but it runs mainstream Ford mechanicals, has cheap and widely-available parts and, in most versions, modest performance. The version matters most. The 1.5 TDCi and 1.6 TDCi ECOnetic diesels and the 1.0 EcoBoost petrol all sit in insurance group 17 on the 1–50 scale — genuinely cheap for a car this size — while the 2.0 Hybrid and 2.0 EcoBlue diesel sit in the low-to-mid 20s. At the top, the 2.0 TDCi 180PS reaches group 25–27, the 2.0 EcoBoost 240 group 28–29, and the 2.0 TDCi 210 and Vignale trims groups 30–31. Age and postcode then move the figure hard: a 20-year-old pays roughly £1,150 on a base diesel, a 40-year-old closer to £610. The Mondeo left UK showrooms in 2022, so almost every policy today is on a used car, which keeps values — and premiums — sensible. If your renewal is well above these numbers, read our guide on why UK car insurance is so expensive in 2026 before you renew.

By Version

Ford Mondeo insurance group & typical premium by version (2026)

Ford Mondeo typical insurance premium by version — UK 2026
The ECOnetic diesels and 1.0 EcoBoost cluster near £600–£630; the 2.0-litre diesels, the EcoBoost 240 and the Vignale climb well up the group scale.
1.5 TDCi ECOnetic£610 1.0 EcoBoost£630 2.0 Hybrid HEV£700 2.0 EcoBlue diesel£740 2.0 TDCi 150£780 2.0 TDCi 180 ST-Line£840 2.0 EcoBoost 240 Vignale£920

Source: Parkers and Finder UK Ford Mondeo insurance-group data (group range 15–31) and Thatcham Research insurance-group ratings; typical composites for a 35–55-year-old driver, not live quotes.

Ford Mondeo versionInsurance group (1–50)Typical annual premium
1.5 / 1.6 TDCi ECOnetic diesel (Zetec)17£560–£700
1.0 EcoBoost 125 petrol (Zetec / Style)17£570–£710
2.0 Hybrid HEV petrol-electric (Titanium)20–24£620–£800
2.0 EcoBlue TDCi diesel (Titanium)21–26£660–£840
2.0 TDCi 150PS diesel (Titanium / ST-Line)23–25£700–£870
2.0 TDCi 180PS diesel (ST-Line)25–27£760–£930
2.0 EcoBoost 240PS petrol (Vignale)28–29£850–£1,020
2.0 TDCi 210PS diesel (Vignale / ST-Line)30–31£880–£1,080

Sources: Parkers and Finder UK Ford Mondeo insurance-group listings (Mk5 hatchback and estate 2014–2022, overall range groups 15–31; the wider 12–34 range on Finder includes older Mk4 cars) and Thatcham Research insurance-group ratings; VehicleScore for model-variant context. Premium ranges are illustrative composites for a typical 35–55-year-old driver, clean licence, comprehensive cover, mid-range postcode — not live quotes.

By Driver & Region

How age and postcode change the Ford Mondeo premium

Driver age and location move the Ford Mondeo premium far more than the trim badge alone. Using the base 1.5 TDCi ECOnetic diesel (insurance group 17) as a constant, market data shows the following age curve — the same car, very different prices:

Driver age (base group 17 Ford Mondeo)Typical annual premium
Age 20£1,150
Age 30£720
Age 40£610
Age 50£580

Sources: aggregated age-banded quote data for a Ford Mondeo 1.5 TDCi ECOnetic diesel (group 17). Location example for a 40-year-old on the same model: about £470 (rural North East / Cornwall) to £980 (inner London), with a mid-range Midlands postcode near £610 — a London driver pays roughly twice a rural one.

Six practical ways to bring a Ford Mondeo premium down:

  1. Pick a low-group version — a 1.5 or 1.6 TDCi ECOnetic diesel or the 1.0 EcoBoost petrol (group 17) can be 25–40% cheaper to insure than a 2.0 TDCi 180 ST-Line, and far less than a 2.0 EcoBoost 240 Vignale.
  2. Increase your voluntary excess — raising it from £150 to £500 typically cuts the premium 8–15%, if you can cover the excess on a claim.
  3. Add a low-risk named driver — a second experienced driver can save 10–20%, provided the genuine main driver is named correctly (never “fronting”).
  4. Pay annually, not monthly — monthly instalments carry 20–40% APR; paying the £745 in one go avoids that interest.
  5. Build and protect no-claims discount — several clean years can cut a base premium by 60%+; protecting it keeps the discount after a single claim.
  6. Compare 21–23 days before renewal — the cheapest quotes still cluster about three weeks out, even after the FCA fair-pricing rules ended the loyalty penalty.

The Mondeo also sits in a useful spot in Ford’s range for cross-shopping on insurance. It is a group or two above a comparable Ford Focus and broadly level with a Ford Kuga of similar power, so if you are choosing between them the running-cost gap is smaller than the size difference suggests. See the full by-vehicle insurance index for side-by-side comparisons, and the UK car insurance cost index for the all-car average.

Common Questions

Ford Mondeo insurance FAQs

The current Mk5 Ford Mondeo (2014–2022 hatchback and estate) spans insurance groups 15 to 31 on the 1–50 scale, and across all model years Finder lists a wider 12 to 34. The cheapest are the 1.5 and 1.6 TDCi ECOnetic diesels and the 1.0 EcoBoost petrol, all around group 17. The 2.0 Hybrid sits at group 20–24 and the 2.0 EcoBlue diesel at 21–26. Higher up, the 2.0 TDCi 150 is group 23–25, the 2.0 TDCi 180 group 25–27, the 2.0 EcoBoost 240 group 28–29, and the 2.0 TDCi 210 and Vignale trims reach group 30–31. For the cheapest cover, choose an ECOnetic diesel or a 1.0 EcoBoost in Zetec or Style trim.
The average across all drivers and versions is about £745 a year for comprehensive cover in 2026, or roughly £62 a month if you pay annually (nearer £68 a month on monthly instalments once interest is added). A typical 40-year-old on a base 1.5 TDCi ECOnetic diesel pays nearer £610, while a 20-year-old on the same car pays around £1,150. A 2.0 TDCi 180, 2.0 EcoBoost 240 or Vignale owner pays more, and the exact figure depends on your specific Mondeo, age, postcode, no-claims discount and annual mileage.
No — for a large family car it is reasonable. The mainstream ECOnetic diesel and 1.0 EcoBoost petrol trims sit in insurance group 17, use standard Ford mechanicals and have cheap, widely-available parts, so a Mondeo insures much like a smaller family hatch rather than an executive saloon. The average premium of about £745 a year is only a little above the UK all-car average. The pricier exceptions are the 2.0 TDCi 180, the 2.0 EcoBoost 240 and the Vignale trims (groups 25–31), which carry more power, higher values and higher repair costs.
The 1.5 TDCi and 1.6 TDCi ECOnetic diesels and the 1.0 EcoBoost 125 petrol are the cheapest to insure, all sitting in insurance group 17 with typical premiums of about £560–£710 for a settled driver. Choosing Zetec or Style trim rather than Titanium keeps the group down further. Stepping up to a 2.0-litre diesel or petrol, the ST-Line or the Vignale lifts the group — and the premium — noticeably, with the 2.0 TDCi 210 and Vignale reaching group 30–31.
Not the cheapest, but competitive. The 2.0 Hybrid HEV saloon starts around insurance group 20 and rises to about group 24 in Vignale trim — a little higher than a group 17 ECOnetic diesel, but lower than the 2.0 TDCi 180 or EcoBoost 240. The hybrid’s self-charging petrol-electric system adds value and repair complexity, which nudges the group up, but its modest performance and strong efficiency keep it reasonable. If low insurance is the priority, an ECOnetic diesel is cheaper; if you want low fuel and tax costs for town driving, the hybrid is a sensible middle ground.
Ford ended UK and European Mondeo production in 2022, so every Mondeo on the road today is a used car. That actually helps insurance: values have settled, the cars are well understood by insurers, and parts are plentiful and cheap because millions were sold. The main watch-point is that an older, higher-mileage car can be more likely to be written off after a moderate bump, since the repair bill more easily exceeds the market value — but this rarely pushes the premium up much. Overall, the Mondeo’s discontinued status keeps premiums stable rather than raising them.
Yes, substantially. Postcode is one of the biggest pricing factors after age and the car itself. For the same base group 17 Ford Mondeo, a 40-year-old in a low-risk rural area might pay around £470, while the same driver in an inner-London postcode pays around £980 — more than double, with a Midlands postcode sitting mid-range near £610. Urban areas carry higher theft, vandalism and accident rates, which insurers price in. A secure overnight parking spot and an accurate mileage estimate both help keep the figure down.
Choose a low-group version (a 1.5 or 1.6 TDCi ECOnetic diesel or the 1.0 EcoBoost petrol in group 17), pay annually to avoid 20–40% instalment APR, raise your voluntary excess if affordable, add a low-risk named driver, and build and protect your no-claims discount. Comparing quotes about three weeks before renewal, keeping mileage realistic and parking securely overnight all help. Because the Mondeo is a used car now, making sure the insurer values it accurately — not over-insuring it — can also shave a little off the premium.

Our sources

  • Parkers — Ford Mondeo insurance groups — per-engine and per-trim group ratings for the Mk5 hatchback and estate (groups 15–31) (parkers.co.uk)
  • Finder UK — Ford Mondeo insurance group & cost — group range 12–34 across all years and age-banded average premiums (finder.com)
  • VehicleScore — Ford Mondeo insurance group — group-range and model-variant context (vehiclescore.co.uk)
  • Thatcham Research — insurance-group ratings underpinning the by-version table
  • ABI 2026 Motor Insurance Premium Tracker — ~£566–£600 UK average comprehensive premium for context
  • gov.uk — Vehicle insurance — legal cover requirements
  • Car Insurance Expert composite quote sample — 2026 illustrative ranges across major UK insurers for Ford Mondeo profiles

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (motor insurance research). Methodology: figures are compiled from Parkers, Finder UK, VehicleScore, ABI and Thatcham Research published data plus our own multi-insurer composite quote sampling. Questions: editorial@carinsuranceexpert.co.uk.

Last updated: 31 August 2026

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