Ford Car Insurance

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Today, Ford’s lineup includes everything from SUVs and crossovers to vans, pickup trucks, performance vehicles, and even commercial trucks. If you’ve just bought a Ford—or are thinking about it—you’ll want to make sure you have the right Ford car insurance to protect it. To ensure you find the best possible car insurance coverage at the most affordable price, look no further than BrokerLink.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is Ford car insurance?

A Ford car insurance policy is basically a deal between you and an insurance company to help protect your Ford. You pay a regular premium, and in exchange, they help cover costs if your car is damaged in an accident or due to things like theft or vandalism. Here’s what your auto insurance policy can include:

Covering costs if you damage someone else’s property or cause injuries (including legal fees)
Paying for repairs or replacing your car—or someone else’s—if it gets damaged
Helping with medical bills or even funeral costs from accident-related injuries

The exact coverage depends on your province’s rules and any extra options you choose to add to your policy.

Why you need Ford car insurance

If you drive in Canada, car insurance isn’t optional—it’s a must. But the type and amount of coverage you need depend on where you live.

Every province has its own rules, but basic coverage usually includes things like third-party liability and accident benefits. The minimum liability coverage also varies—most provinces require at least $200,000, but Quebec only asks for $50,000, while Nova Scotia goes up to $500,000. Many drivers choose to get higher liability limits than these, in case something serious happens that could create a large claim, such as a bodily injury claim.

In many places, you’ll also need uninsured motorist coverage to protect yourself if you’re hit by someone without insurance. And if you’re in a no-fault province like Ontario or Alberta, you might also need direct compensation-property damage coverage.

Types of Ford car insurance coverage

When you buy a Ford—whether it’s an SUV like the Bronco or a sporty two-door like the Mustang EcoBoost Fastback—you’ll need car insurance to go with it. Your policy will include some mandatory coverage, but you’ll also have the option to add extras based on what works best for you. That means deciding which types of auto insurance coverage you want and how much protection you need for each. To make things easier, we’ve outlined the most common Ford insurance coverages below. Note: coverage varies by province

Mandatory

Optional

Third-party liability car insurance has your back if you're at fault in an accident. It helps cover things like medical bills for injuries, repair costs for damaged vehicles, and even legal fees if you end up needing a lawyer.

[Not mandatory in Newfoundland] Accident benefits step in to help with medical expenses if you, a passenger, or even a pedestrian get hurt in a crash. It doesn’t matter who’s at fault—your insurance can still help cover the costs. Just remember, every policy has limits on what’s covered and how much you can claim.

[Not mandatory in Alberta] Uninsured automobile coverage steps in if you're hit by a driver who doesn’t have enough insurance—or any at all. It also covers you and your passengers in a hit-and-run if the other driver takes off. It’s a smart way to make sure you and your Ford are protected, no matter who’s on the road.

If you get into an accident that’s not your fault, direct compensation coverage helps cover the costs. Instead of dealing with the other driver’s insurance, you file a claim with your own provider to get paid out. Some provinces make this coverage mandatory, so be sure to check what’s required where you live.

Collision coverage isn’t mandatory, but it’s a popular add-on for Ford drivers. It helps cover damage if you get into an accident with another car or even hit something like a pole or guardrail. The best part? It protects you no matter who’s at fault.

Comprehensive coverage is a popular optional add-on that helps protect your Ford from things like theft, vandalism, fire, water damage, or even falling objects. In short, it covers damage caused by anything other than a collision.

One final type of optional auto insurance coverage popular among Ford drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

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Ways to save money on Ford auto insurance

Car insurance can be expensive, but it’s a must-have to protect yourself from paying out of pocket for damages and other costs. The good news is that many drivers don’t realize that insurance companies offer discounts that could help lower their rates. Here are some tips to save on your Ford car insurance:

Discounts

Keep a safe driving record

Insurance companies give better rates to drivers they see as low-risk, meaning fewer claims and no traffic tickets. Since insurance is all about managing risk, providers charge more if they think you're likely to file a claim. That’s why safe driving pays off! If you keep a clean record and go at least six years without an accident, many insurers will reward you with lower premiums.

Improve your driving habits

Many car insurance companies now offer apps that track your driving habits and reward safe driving with extra discounts. By sharpening your skills behind the wheel, you could save up to 25% on your Ford car insurance.

Bundle policies

If you’re shopping for property insurance—like home or tenant insurance—consider bundling it with your car insurance. Combining policies can score you some solid savings. And if you own a recreational vehicle like a snowmobile or ATV, you might be able to bundle that with your auto insurance too!

Insure all cars together

If you own more than one car, bundling your insurance policies with the same provider can help you save. For example, if your spouse or adult child has a second vehicle, insuring both together could get you a multi-car discount—sometimes 15% to 20% off each car’s insurance.

Attend a driving school

If you’re a young driver looking to lower your insurance costs, consider taking a driving school course. Not only will it boost your confidence and make you a safer driver, but many insurers also offer discounts for completing professional training.

Use winter tires

Switching to winter tires on your Ford is a smart way to save on car insurance in many parts of Canada. They give you better traction on snow and ice, making winter driving safer. Plus, many insurance companies offer a discount—sometimes up to 5%—just for using them.

Choose a hybrid or electric

Many insurance companies in Canada offer discounts for drivers of hybrid or electric vehicles. If you’re looking to save on your Ford car insurance, consider going for an eco-friendly option like the Ford Mustang Mach-E or the Ford F-150 Lightning. These vehicles could qualify you for discounts of up to 10% on your insurance.

Savings Options

Increase your deductible

Did you know that choosing a higher deductible can actually lower your insurance premiums? It’s true! If you’re looking to save, consider raising your deductible—but make sure it’s an amount you can comfortably afford if you ever need to file a claim.

Pay annually

If it works for your budget, paying your car insurance annually instead of monthly is a smart move. Monthly payments often come with extra fees, which can add up over time and end up costing you more.

Ask about discounts

Talk with an insurance broker or agent to see what discounts you might qualify for. There are plenty of ways to save, and insurers are always updating or adding new discounts.

Work with an insurance broker

One of the best ways to save on your Ford insurance is by working with a licensed broker. They have access to multiple insurance providers, so they can compare quotes, find discounts you qualify for, and customize your policy, making sure you’re only paying for the coverage you actually need.

Factors that affect the cost of Ford car insurance

Not all Ford models cost the same to insure. When figuring out your insurance premium, car insurance companies work by considering a bunch of different factors. Your age, location, driving history, and past claims all play a part in determining your Ford insurance rate, as well as the type of Ford you drive. Even where you live plays a role—in Ontario, for example, the average cost of car insurance is around $150 a month, whereas in British Columbia, it’s around $120.

If you drive a Ford, it’s good to know what influences your costs. Here are some of the biggest factors and how they impact Ford auto insurance rates:

Driving record

Your driving history—both your experience and record—has a big impact on your car insurance rate. If you're a newer driver, like many young people, you'll probably pay more for coverage. But just having years behind the wheel isn't enough to lower your premium—you also need a clean driving record.

A spotless record tells insurers you're a safe, responsible driver. On the other hand, things like speeding tickets, DUIs, demerit points, or accidents can increase your rates, as they indicate a higher risk to insurance companies.

Where you live

Where you live and drive your Ford can have a big impact on your insurance rate. If you're in a busy Canadian city, expect to pay more—more traffic means a higher chance of accidents. But if you’re in a quieter rural area, your rates could be lower. Insurers also look at things like your neighbourhood’s crime rate and whether car thefts are common when calculating your premium.

Your age and experience

Your age and driving experience also play a big role in your insurance rate. Younger drivers usually pay more since they have less experience on the road, while more seasoned drivers tend to get lower premiums.

Which Ford vehicle you drive

The Ford model you choose—like the F-150, one of the top pickup trucks—along with whether it’s new or used, can impact your insurance rate. In general, pricier vehicles come with higher insurance costs, and adding custom trims or upgrades can push your premium even higher. If you’re looking to save, consider a more budget-friendly Ford model or go for an older, used F-150 instead of a brand-new one.

Your annual mileage

How often you drive your Ford can also affect your insurance costs. If you only take it out a few times a week, you’re at a lower risk for accidents, which could mean a lower premium. But if you’re on the road a lot—especially at night, on highways, or during rush hour—your chances of an accident go up, and so might your insurance rate.

About Ford

Ford Motor Company is one of the most iconic American automakers, known for its innovation, durability, and wide range of vehicles. Founded by Henry Ford in 1903, the company revolutionized the auto industry with the introduction of the moving assembly line, making cars more affordable and accessible to everyday drivers.

Over the years, Ford has been at the forefront of automotive advancements, pioneering features like the V8 engine, advanced safety systems, and hybrid-electric technology. The brand is best known for producing dependable trucks, SUVs, and performance vehicles, with legendary models like the Ford F-Series—the best-selling truck in North America—the rugged Bronco, and the high-performance Mustang.

Today, Ford continues to evolve, leading the way in electric and hybrid vehicles with models like the Mustang Mach-E and the all-electric F-150 Lightning. Whether you drive a tough workhorse like the F-150 or a stylish crossover like the Escape, owning a Ford means you’re behind the wheel of a vehicle built on a legacy of innovation and reliability.

Contact BrokerLink today

Whether you're buying your first Ford or renewing your current policy, BrokerLink is here to help. Our insurance brokers work with you to find the right coverage for your needs.

Need help understanding your province’s mandatory coverage? Looking for free Ford car insurance quotes? Want tips on how to save? Our expert advisors are ready to guide you every step of the way. You can reach us by phone at 1-855-451-8748, by email, or in person at any one of our locations throughout Canada.

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