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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.

Finding the best car insurance for your Ford begins with comparison shopping.

To help you secure the best policy and price, LowestRates.ca’s free online quote tool will provide multiple quotes from 50+ insurance providers across Canada.

We zero-in on the best policy for you and your Ford by comparing insurance policies from each of them. Whether for a new policy or to renew an existing one for your Ford vehicle, an insurance broker can help you through the process.

How much does insurance cost for a Ford?

With so many different types of models on the market, “how much is insurance for a Ford?” is a tough question to answer. To determine rates, insurance companies look at a range of variables to gauge how likely an applicant is to make a claim.

What can drive up car insurance rates for Fords? Vehicle type and model are two variables that are closely considered, along with safety rating and the vehicle’s safety features.

Canadian insurance companies rely on the Claims Loss Experience Automobile Rating system to measure how likely various vehicles are to be involved in a claim and what that claim is projected to cost.

Incidents that initiate a claim include collisions, injury and theft.

While Ford vehicles are widely considered safe, they’re overrepresented for another variable that can lead to higher insurance premiums: theft. According to the Insurance Bureau of Canada (IBC), in every year since at least 2013, Ford cars have been named on the Top 10 Most Stolen Vehicles list. For 2020, the Ford F-150 was reported as the fifth most stolen vehicle.

IBC estimates that each year, insurance carriers spend more than $540 million fixing or replacing stolen cars. In one way or another, these costs are passed on to the consumer.

If you’re looking for the best insurance rates for a Ford, start with a quote. LowestRates.ca will help you find an insurance policy for your Ford that meets your needs, for free.

To give you a general sense of the average insurance cost for a Ford, some estimated premiums are below.

Estimated Premium

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 30, 2022
Customer
Male, 25 years old
Location
ontario
Vehicle
2022 TESLA MODEL Y 75D LONG RANGE 4DR AWD
Lowest Rate
$262/mth
$3,138/yr
Average Rate
$396/mth
$4,749/yr
Saved
$134/mth
33.92%
Quote from September 30, 2022
Customer
Male, 19 years old
Location
ontario
Vehicle
2008 NISSAN ALTIMA 3.5 SE 4DR
Lowest Rate
$627/mth
$7,519/yr
Average Rate
$1,042/mth
$12,503/yr
Saved
$415/mth
39.86%

Your questions about Ford car insurance rates, answered.

What is the cheapest Ford to insure?

Comparison shopping is the first important step to finding the best car insurance rates for your Ford.

By examining available rates each year, you’ll get a sense how insurance companies regard year-over-year changes in your profile. For example, as your driving experience increases, you may be eligible for a lower rate.

By regularly comparison shopping for your rate, you’ll see a shift in how much it costs to insure a Ford vehicle.

Used vs. new Ford: which is cheaper to insure?

Car insurance for a used Ford is often less expensive than coverage for a new one. This is because repair and replacement costs for used cars tend to be less expensive.

If you’re considering buying a used car, review the vehicle’s history—any reported accidents or damage could raise the cost of insurance.

Any previous insurance claims for a used Ford can be verified on the IBC website. Their free service, Verify Vin, will show if a vehicle has previously been reported by an IBC insurance company partner for flood damage or significant damage.

What is the best car insurance for a Ford?

Central to finding good car insurance for Fords in Canada is making sure you’re only paying for the coverage you need.

For example, are you using your car differently than you did last year? Are you working from home rather than commuting daily? Are you now over age 40, which is when rates tend to go down?

Comparison shopping for a new rate will force you to review your Ford insurance and to consider what variables could lead to a higher premium.

How car insurance quotes for Ford are calculated

To set insurance rates for Ford vehicles, insurance companies most closely consider the following details:

Driver:

  • Age and gender – Young males tend to pay higher car insurance rates.
  • Annual mileage – If you’re using your Ford daily for work, you’ll have a different rate than if you use it occasionally.
  • Primary location – Where you’re based
  • Record – Any claims or violations will impact your premiums.

Vehicle:

  • Age – And, associated replacement value.
  • Safety rating. Does the Ford have safety features which make it more safe?
  • Type – Brand and model.

Policy:

  • Coverage type, limits and deductibles.
  • Whether you’re looking for a new policy for your Ford or an insurance renewal.

To get the best vehicle insurance for Fords at the lowest rate, use LowestRate.ca’s free online tool to compare Ford insurance costs from more than 50+ Canadian insurance providers.

How can I reduce the price of car insurance for my Ford?

Car insurance coverage requirements vary by province and territory. For example, Ontario drivers are legally required to have the following: third-party liability, accident benefits, direct compensation-property damage coverage (DCPD) and uninsured automobile coverage.

In other provinces, car insurance is administered through public programs, or, in some instances through a combination of public programs and private insurance companies.

Additional optional coverage is also available to drivers across the country. Adjusting the details of your policy, including coverage types, can help you bring down your rate.

To find the cheapest car insurance for your Ford, start with a quote.

In addition, consider the following tactics:

  • Age – As drivers age, their premiums go down in large part because they can reflect more experience driving.
  • Bundling – Drivers who package more than one policy with a single insurance company may be eligible for savings.
  • Clean driving record – Carriers often recognize drivers with clean driving records with favourable rates.
  • Credit score – In some provinces, drivers who opt to have their credit score considered as part of their insurance application, may be eligible for savings.
  • Raising your deductible – Drivers willing to pay a higher deductible may be able to reduce their premiums. However, it’s important that drivers only do so if they’re confident they’ll be able to pay a higher deductible in the event of damage.
  • Telematic programs – Drivers who opt into telematics programs which track their driving behaviour may be eligible for savings. Insurance carriers can personalize your premiums based on your driving behaviour.

If you’re seeking Ford insurance for a young driver, you could reduce your costs by being insured on one of your parents’ policies.

Completing a driving course can result in savings. And, in some instances, schools offer insurance discounts to students who maintain good grades.

Is it safe to buy Ford insurance online?

Absolutely, online shopping for Ford insurance coverage is 100% safe. It’s also fast.

Our free online tool will provide quotes from more than 50+ Canadian insurance providers. 

We’ve helped Canadians save millions on their insurance costs, collectively.

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