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Ford auto insurance: what you need to know.

Ford is one of the most well-known car brands in the world, with models that range from SUVs to pickup trucks to hybrid sedans.

Given Ford’s popularity, how expensive are their vehicles to insure?

Insurance rates can vary widely depending on who is purchasing the vehicle, where the vehicle will be driven and what kind of car it is. This page will give you an idea of what the insurance rates might be for your Ford.

Your questions about Ford auto insurance, answered.

How much does car insurance cost for a Ford?

If you’re considering buying a Ford, there are a variety of factors to keep in mind, including the car’s age, model, value and its safety features. editors ran quotes for two of Canada’s most popular Ford models to give you an idea of what the premiums might look like. All prices are in Canadian dollars.

We've also cited reports from the Insurance Institute for Highway Safety (IIHS), a North American non-profit organization funded by insurance companies, as well as the National Highway Traffic Safety Administration (NHTSA), a U.S. federal agency whose mandate is to reduce the number of driving fatalities.

Keep reading to learn more about these factors and what they might mean for your premiums.

Ford F-150

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Ford F150 King Ranch Supercrew 4WD$103.25/month$330.17/month
Male, age 30, Ontario2020 Ford F150 King Ranch Supercrew 4WD$106.42/month$344.00/month

About the Ford F-150

  • The Ford F-150 crew cab pickup truck was named a Top Safety Pick by the IIHS from 2016 to 2018, but lost the title in 2019.
  • The 2019 model was given good ratings across the board for crashworthiness but received a poor rating for its headlights and child seat anchors.
  • The NHTSA has awarded the F-150 series between three and five stars across its five safety categories in most models since 2011.
  • The base model of the 2020 Ford F-150 costs $32,339. The XL model begins at $32,339, the XLT model begins at $35,269 and the Lariat model begins at $51,349.

Ford Escape

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female (30, Ontario based)2020 Ford Escape S 4DR 2WD$128.25/month$430.08/month
Male (30, Ontario based)2020 Ford Escape S 4DR 2WD$131.75/month$446.75/month

About the Ford Escape

  • The Ford Escape is a compact crossover SUV that’s been in production since 2000. There’s also a hybrid version.
  • It was named a 2019 Safety Pick by the IIHS, garnering top marks in crashworthiness, with its only major weak spot being its headlights.
  • The manufacturer’s suggested price for the 2020 base model of the Escape is $28,549.

How auto insurance quotes for Ford cars are calculated

Beyond the car you drive, your personal driving history, as well as your age, gender, and postal code, have a major impact on how much you pay each month for car insurance.

That’s why, in order to show sample quotes, we had to create user personas: one male and one female.

Here are the criteria we used:

  • We ran separate quotes for a 30-year-old man and a 30-year-old woman in Ontario.
  • We used the postal code for the office in midtown Toronto.
  • We chose the 2020 model for each car.
  • Our personas have been insured continuously since receiving their license.
  • They drive an average of 40 km per day.
  • We’ve only selected the bare minimum when it comes to insurance coverage (third-party liability insurance).
  • We didn’t apply for any discounts.
  • We indicated that the car has winter tires.
  • We also indicated that the car is parked in a private garage.

Other factors that influence your auto insurance rate

  • Driving record: The worse your driving record is, the higher your rates will likely be, as it indicates that you’re more likely to get into an accident. A serious conviction, like a DUI, could increase your rates significantly while a lesser conviction, such as distracted driving, could also raise your rates, though less drastically.
  • Type of auto insurance: The more comprehensive the coverage you buy, the higher your premium will be.
  • Age: Insurance companies look to age as an indicator of your driving abilities and will affect your rates. Based on statistics, insurers know that the more years driving means less chance of an accident. Rates do rise slightly, though, once you’ve reached 75 years old since your ability to drive may be impaired by your health.
  • Area: Where you live can affect your rate. For example, if you live in an urban area your rates will likely be higher due to a higher probability of theft and getting into an accident than in a rural area.

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