Ford Car Insurance

Today, Ford’s lineup includes everything from SUVs and crossovers to vans, pickup trucks, performance vehicles, and even commercial trucks. To ensure you find the best possible car insurance coverage at the most affordable price, look no further than BrokerLink.

Ford Overview

The Ford Motor Company was founded by American industrialist Henry Ford in 1903, who introduced large-scale manufacturing of automobiles through the use of assembly lines. It was on these assembly lines that the first mass-produced vehicle, the Model T, was created.

Since those early days, the Ford brand has continued to grow in size. Ford is now the second-largest auto manufacturer in the United States after General Motors, and the fifth-largest in the world. They have operations in over ten countries, including Canada, India, China, Turkey, Brazil, Argentina, and Australia.

Some of the brand’s best-selling models include the Ford Escape SUV, Ford F-Series trucks, and of course, the iconic Ford Mustang. The American brand has also expanded its hybrid and electric offerings in recent years, now with eight electrified vehicles in its fleet, including the all-electric F-150 Lightning and Mustang Mach-E.

At the end of the day, there are plenty of reasons to choose a Ford vehicle, from the affordable price point and uniquely American design to the safety and comfort they offer.

Fun Facts about Ford

The Ford Motor Company rose in prominence only after the Model T was released, leading many to believe that the Model T was the brand’s first automobile In reality, the Model A was the first car ever produced by Ford.

By 1916, eight years after the Ford Model T hit the market, roughly 55% of cars on the road were Model Ts.

The luxury vehicle brand Lincoln (formerly the Lincoln Motor Company) is owned and operated by Ford.

The Ford Thunderbird enjoyed a 50-year production run, with the first Thunderbird manufactured in 1955. During this period, 11 different models of the Thunderbird were released and approximately 4.4 million cars were sold.

Ford Auto insurance coverage

To drive your new Ford, you’ll need a quality car insurance policy. Car insurance is mandatory in Canada, however, each province and territory has unique coverage requirements. When purchasing Ford car insurance, you will need to decide which optional coverages to include in your policy (if any) and how much of the mandatory coverages you wish to buy. To learn more about the types of auto insurance coverage available to Ford drivers, keep reading.

Third party liability coverage

Third party liability coverage is mandatory throughout Canada. It protects the policyholder if they are injured or their car is damaged in a collision that they caused. Beyond medical bills and vehicle repairs, liability coverage can also help pay for legal counsel and court fees.

Accident Benefits Coverage

Accident benefits coverage is another type of compulsory coverage in Canada. It protects you in the event that you, a passenger, or a pedestrian require medical attention following a collision. Regardless of which party is at fault for the collision, the driver can still recover compensation under the accident benefits portion of their policy.

Collision coverage

Collision is a type of optional coverage that Ford drivers may wish to include in their insurance policies. This type of coverage protects the policyholder if they get into an accident with another vehicle or object on the road. Like accident benefits coverage, it covers the policyholder regardless of whether they are liable for the accident. However, unlike accident benefits coverage, collision coverage only provides compensation for the cost of property damage, not bodily injuries.

Comprehensive coverage

Many Ford drivers choose to purchase comprehensive coverage so that their car is protected against theft, vandalism, fire, and water damage. This type of coverage is optional in Canada.

Accident forgiveness coverage

If you buy a Ford car insurance policy that includes accident forgiveness coverage, your insurance rate shouldn’t increase after you get in your first at-fault collision. Like comprehensive coverage, accident forgiveness coverage is optional but may be worthwhile.

Factors that affect the cost of Ford car insurance

Insurance companies consider a wide range of factors when calculating insurance premiums. Age, location, marital status, driving record, and claims history can all impact how much you pay for car insurance. Ford drivers might find it helpful to understand exactly which details can affect their auto insurance rates. A few of the most common factors influencing car insurance costs are as follows:


Age is one factor used to determine car insurance rates. To an insurance company, age and risk go hand-in-hand. Young drivers often pay the highest premiums because they have limited driving experience. Meanwhile, statistics reveal that senior drivers over the age of 60 may be more likely to get into accidents for a number of reasons, which can increase their insurance premiums.


The part of the country you live and work in can also affect your insurance premium. For example, if you live in a major city like Calgary, Toronto, or Halifax, your insurance could cost more. Cities tend to have more traffic, which increases your odds of getting into an accident. In contrast, Canadian drivers who reside in rural parts of the country may have lower insurance rates because there are fewer cars on the road. Lastly, if you live in a region that is prone to climate related weather incidents, such as floods, you may pay more for your Ford car insurance.

Annual mileage

The number of kilometres you drive each year is another factor that insurance companies will consider when calculating your premium. If you spend a below-average amount of time behind the wheel (perhaps you only drive on weekends or a few times a week), your insurance premium may be lower. Conversely, if you spend a lot of time on the road (perhaps you drive as part of your job), or you drive frequently at night, during rush hour, or on major highways, your Ford car insurance could be more expensive.

Model and year of Ford

The Ford model you drive, and whether you drive a new or used Ford, can also affect your auto insurance rate. Generally speaking, the more expensive the vehicle, the more it will cost to insure. Though Fords are fairly affordable, certain models are more costly than others. Tricking it out with custom trims can also increase the cost of insurance, as doing so will only increase the cost of repairs. Ultimately, if you’re looking to save money on your Ford car insurance, you may wish to buy one of the brand’s less expensive models or buy an older, used Ford as opposed to a new one.

How to save money on Ford car insurance

Though Ford is known for its affordability, car insurance rates depend on a whole host of factors and can be expensive, even if you drive a budget-friendly vehicle. Luckily, there are ways to reduce how much you pay for auto insurance. BrokerLink’s expert insurance advisors have put together the following list of ways to save money on Ford car insurance. From installing winter tires on your vehicle to choosing one of Ford’s hybrid or electric models, check out our top tips for getting cheap car insurance below:

  • Purchase car insurance for multiple vehicles together (savings of up to 20%)
  • Buy multiple insurance policies (home insurance + car insurance, leisure vehicle insurance + car insurance, etc.) from the same company (savings of up to 15%)
  • Increase your deductible
  • Enrol in driving school (for young drivers)
  • Pay auto insurance annually rather than monthly
  • Install winter tires on your Ford (savings of up to 5%, depending on the province)
  • Purchase an eco-friendly vehicle like the Ford Escape SE Hybrid, the Ford Explorer Limited, or the all-electric Ford F-150 Lightning (savings of up to 10%)
  • Work with an insurance broker

One last way to save money on your Ford auto insurance is to hire an insurance broker. A reliable insurance broker from a brokerage like BrokerLink can help you compare quotes and unlock discounts, ensuring you find the best possible price for your Ford car insurance.

Plus, in addition to saving you money on car insurance, BrokerLink’s expert insurance advisors do all the heavy lifting. So while you’re test-driving SUVs at the Ford dealership, we’ll be contacting insurance providers to find you the perfect policy. For the most competitive rate on your Ford auto insurance, contact BrokerLink today.

Reasons to buy Ford auto insurance

There are many reasons that drivers of all vehicles, including Fords, choose to purchase car insurance. From protecting you in the event of bodily injury to helping pay for repairs after an accident, check out a few benefits Ford drivers may derive from purchasing auto insurance.

You are protected in case of bodily injury

Auto insurance can protect you should you get injured in a car accident. Your insurance provider can help cover the cost of medical expenses not covered by your healthcare policy. Such expenses may include physical therapy, prescription medications, or rehabilitation.

You are protected in case of an accident

Auto accidents happen all the time, even to safe and responsible drivers. Luckily, car insurance can give Ford drivers peace of mind knowing that if they get into a collision, the insurance company will help cover the costs of repairing or replacing their damaged vehicle.

You are protected in case of theft

If you choose to include comprehensive coverage with your Ford auto insurance policy, you can be protected in a wide range of circumstances, such as theft. Most comprehensive coverage also protects against vandalism, fires, and other weather-related damage. Ultimately, if something happens to your Ford vehicle, your insurance provider will help cover the cost of replacing or repairing it, rather than you having to pay out-of-pocket.

You are in compliance with the law

Last but not least, one final benefit of purchasing Ford car insurance is that doing so means you are in compliance with the law. Car insurance is mandatory throughout Canada, so no matter which province or territory you live and drive your Ford in, you need insurance. Failure to obtain a valid insurance policy before hitting the road can result in hefty fines, jail time, and a suspended driver’s license.

Ford driving tips

Learning how to drive responsibly is crucial to the safety of everyone on the road, including yourself. No matter what kind of car you drive, whether a Ford or another vehicle, it’s important to practice safe driving. We’ve put together a list of our top driving tips below.

Slow down

Our first tip for Ford drivers is to slow down. When you drive slowly and cautiously, you reduce the odds of getting into a collision. Remember to always drive the speed limit and take your time when accelerating, braking, or manoeuvring (changing lanes, turning, etc.). You should also take extra care when driving in poor weather conditions like fog, rain, or snow, at night when visibility is reduced, or through a construction zone.

Check your mirrors

Back in driving school, your instructor likely told you to check your mirrors regularly. Why? By checking your rearview and side mirrors regularly, you can gain greater awareness of your surroundings. It provides an opportunity to scan all vehicles and lanes around you. When looking ahead, don’t focus solely on the car in front of you. Instead, notice all vehicles in the vicinity - those beside you and in front of you across all lanes. The more aware you are of other drivers, pedestrians, and hazards, the less likely you are to get into a collision.

Enrol in driving school

Driving school isn’t just for new drivers. If you need a refresher before getting behind the wheel of your new Ford, consider enrolling in an approved driving school in your province or territory. There are driving schools across the country, any of which can help you hone your practical driving skills while reminding you of the rules of the road.

Leave ample space

Anytime you are behind the wheel of your Ford vehicle, remember to leave ample space around you. This is especially true for larger vehicles, like Ford pickup trucks or SUVs. Experts generally recommend leaving two car lengths between yourself and the car in front of you at all times. This way, if you have to stop in an emergency you have enough room to do so without hitting the car in front. Plus, if another car rear-ends you at an intersection, extra space will prevent you from bumping into another car or pedestrian, which would only make the situation worse. It’s also important to note that if driving speeds are increased, such as on a motorway, you should leave an even farther distance between your vehicle and the one in front of you.

Minimize distractions

One last tip for Ford motorists in Canada is to minimize distractions. We understand the temptation to blast the radio, check your phone, or snack on food while driving, But safety should always come first, and when you’re distracted by anything, it increases your odds of getting into an accident. For this reason, we recommend the following: put your phone somewhere you can’t see it or reach it (such as the backseat), find a radio station you like before putting the car into drive, and save eating or drinking for when you arrive at your destination. When you are behind the wheel, your focus should be entirely on the road.

Purchase Ford car insurance with the help of a broker

Shopping for insurance can be overwhelming - no matter what kind of car you drive. Luckily, BrokerLink is here to make purchasing Ford car insurance easier than ever before. We are a trusted and reputable broker with over 30 years of experience. Our dedicated team of insurance advisors is always on hand to help you find a policy that meets your needs. Keep reading to discover three advantages of purchasing Ford car insurance with the help of a broker.

Brokers work independently of insurance providers

Did you know that insurance brokers work independently of insurance companies in Canada? It’s true! This allows us to offer objective, unbiased advice on the best insurance policies for our customers. It also allows us to focus 100% on each client’s needs.

Brokers do all the heavy lifting

A second reason to work with an insurance broker from BrokerLink is that we do all the heavy lifting. From the moment you contact us, you will be assigned a dedicated insurance advisor. After taking the time to get to know you and your insurance needs, they will work tirelessly to find the right car insurance policy for your Ford vehicle.

Brokers are car insurance experts

BrokerLink’s insurance advisors are experts in car insurance. They have helped Canadians far and wide find insurance policies for their Ford vehicles, which means they will be able to find a policy that’s right for you in no time.

Get in touch with BrokerLink to learn more about Ford car insurance

Want to learn more about Ford car insurance? You’re in the right place!

BrokerLink is a go-to resource for all things car insurance in Canada. We are experts in the field of auto insurance and are dedicated to finding the best Ford car insurance plan for you and your family.

Whether you have questions about mandatory car insurance in your province, need help understanding industry jargon, or want our opinion on which policy is right for you, BrokerLink is here.

We also invite you to use our online car insurance calculator to request a free quote. BrokerLink offers complimentary car insurance quotes to all Canadian drivers.

To request a quote online, click the “Get a quote” button in the top right-hand corner of this webpage. Answer a few basic questions about yourself and the model and year of your Ford, and in as little as five minutes, you’ll receive an accurate and competitive quote. All BrokerLink quotes are 100% obligation-free.

Prefer to request a quote over the phone or in-person? Give us a call or visit us at one of our many locations. We look forward to hearing from you!

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Ford car insurance FAQs

What is the cheapest Ford car to insure?

Generally speaking, the less expensive a car is, the less it will cost to insure. Some of the cheapest Ford models on the market today are EcoSport, Maverick, Escape, and Mustang. That said, if you purchase add-ons or custom trims with the car, then your insurance may go up. In addition, it’s worth noting that the make and model of the vehicle you buy are not the only factors used to determine car insurance. Therefore, purchasing an inexpensive vehicle does not guarantee your car insurance will be cheaper. Rather, insurers will consider a wide range of factors, such as your age, driving record, claims history, marital status, gender, location, annual mileage, and more.

Is it safe to buy Ford car insurance online?

It is certainly safe to buy Ford car insurance online, however, shopping for car insurance can be complex, which is why we recommend working with a broker. Trusted insurance brokers can help you navigate the complicated world of car insurance. From start to finish, they will be by your side, helping you find the perfect car insurance policy and making sure you understand every detail of it.

Is Ford auto insurance compulsory in Canada?

Yes, car insurance is mandatory throughout Canada. It doesn’t matter what make of vehicle you drive or which province or territory you live in, you must have a valid, up-to-date car insurance policy at all times. Each province sets its own car insurance regulations, so the minimum coverage requirements differ from province to province. When purchasing Ford car insurance, be sure to research the minimum requirements so that you purchase a policy that complies with provincial law. If you aren’t sure which types of coverage are mandatory where you live, contact a local broker.

If you have any questions, contact one of our local branches.

*This article is in no way sponsored, endorsed, or associated with Ford.

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