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April 17
Quick and easy
Quick and easy
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April 15
Really good customer service
Really good customer service, flexibility and transparency of the process, frien...
Teodor Iurea
April 11
SARA WAS VERY HELPFUL AND VERY EFFICIENT
SARA WAS VERY HELPFUL AND VERY EFFICIENT
John Randle
April 11
its always people
its always people, and Erin Upsdell was knowledgeable, helpful and professional....
Antonio
April 11
Good Service.
Clear request of info.... fast results.... follow-up recommendation appreciated.
Myrna Hanna
April 10
Very fast easy-to-use.
Very fast easy-to-use.
ROBERT EDWARD BROWN
April 9
The broker made my transition from my…
The broker made my transition from my previous insurance to changing with you ve...
Christina Raposo
April 9
Convenient
Convenient, friendly and efficient. Good price too!
Uwe Stueckmann
April 8
agent was direct and professional
agent was direct and professional
Steven Olson
April 7
hell yes
hell yes, this is the way to do it. was dreading shopping around for insurance -...
Rok
April 5
Great
The rep was professional or so it seemed Thanks
Terry Esau
April 5
Great service
Great service , very courteous
lucie belzile
April 3
Wow so helpful & quick
Wow so helpful & quick! Saved alot of money w/out sacrificing on services!
Tamara
April 3
Professional and efficient
They were persistent to get hold of me. Once they did, we’re very professional...
Carolyn Arthur
April 3
The following up with the clients and…
The following up with the clients and trying to satisfy them and finding the dif...
Roudy Sanders
April 1
It was great
It was great
David Rae
March 31
Customer experience was great
Customer experience was great, the agent had all my information and transferred ...
William Douglas
March 31
Great communication
Great communication, quick service.
STEPHEN Lastname
March 29
Contacting back
Contacting back
Leslie Castor

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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

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.

Get a quote to start saving today.

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