Ford is one of the American Detroit Three automakers along with General Motors and Stellantis. The Blue Oval brand goes on everything from crossovers and pickup trucks to performance cars and electrified models, meaning insurance costs vary widely between models. Ford used to build an array of sedans and hatchbacks, but the automaker started phasing out its entire car range except for the Mustang in 2018.
It is important to consider age and model when assessing Ford auto insurance rates, as trim, powertrain, commercial/towing use, theft statistics, tech/sensor suites and driver experience all come into play too. Our team dug into MyChoice’s in-house quote data to bring you this guide, where we’ll be looking at how much it costs to insure Fords in cities across Ontario, the cost of insuring new vs. used cars and how they stack up to their American counterparts.
Ford Insurance Costs Across Cars, Trucks and SUVs
The median annual premium for Fords in Ontario is $2,256, which is 4% lower than the benchmark premium ($2,345) in Ontario for all vehicles.
Prices vary widely between Ford models, with median annual premiums ranging from an estimated $1,427 for the Edge SEL to $3,923 for the Fusion SE AWD. The difference of $2,496 is large enough that generalizations are not as useful as model-by-model premiums.
| Median Ford premium (Ontario) | $2,256 |
| Ford vs Ontario all-vehicle median | -4% |
| Cheapest Ford model to insure in Ontario | Edge SEL 2WD (~$1,427) |
| Most expensive Ford model to insure in Ontario | Fusion SE AWD (~$3,923) |
| Cheapest alternatives to insure | GMC ($2,017), Dodge ($2,026), Chevrolet ($2,083) |
What Ford Quotes Look Like Around Ontario
Ford insurance rates vary greatly depending on the make and location. The lowest median Ford insurance quote we found was $1,209 per year for a 2013 Edge in Niagara Falls, while the highest was $4,065 per year for a 2026 Escape Hybrid in Mississauga.
| City | Model | Model Year | List Price | Median Annual Car Insurance Premium |
|---|---|---|---|---|
| Mississauga, ON | Escape Platinum HEV AWD | 2026 | $49,086 | $4,065 |
| Niagara Falls, ON | Edge SEL 2WD | 2013 | $36,223 | $1,209 |
| St. Catharines, ON | Escape PHEV 2WD | 2024 | $49,349 | $2,218 |
| Sudbury, ON | Fusion SE AWD | 2017 | $32,222 | $2,951 |
| Welland, ON | Bronco Big Bend 4Dr 4WD | 2026 | $58,445 | $2,356 |
| Windsor, ON | F150 XLT SuperCrew 4WD | 2019 | $50,962 | $2,234 |
| Windsor, ON | Focus SE 5Dr | 2016 | $20,211 | $1,717 |
| Toronto, ON | Mustang | 2017 | $29,292 | $2,615 |
The New-versus-Used Ford Price Gap
Our data shows an annual premium of $2,164 for a used Ford compared with $2,324 for a new one. This represents a 7% difference.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Ford | $2,324 |
| Used Ford | $2,164 |
Ford Insurance Against American Alternatives
Ford has the highest median insurance cost among the American brands shown below at $2,256 per year. That is $173 more than Chevrolet, $230 more than Dodge, and $239 more than GMC.
| Car brand | Median Annual Car Insurance Premium |
|---|---|
| GMC | $2,017 |
| Dodge | $2,026 |
| Chevrolet | $2,083 |
| Ford | $2,256 |
Ford Insurance Questions by Model and Use
Which Ford model is the cheapest to insure in Ontario?
The Ford Edge SEL 2WD has the lowest model-level median insurance figure in our data for Ontario at approximately $1,427 per year. However, this does not mean every Edge will be the cheapest Ford to insure. Model year, trim, postal code, driver history, vehicle use, coverage, deductible, and insurer will affect the actual premium.
Which Ford vehicles are popular in Canada?
As noted on Ford Canada’s From the Road blog, the F-Series pickup has been Canada’s best-selling truck for 60 consecutive years as of 2026. Ford’s product range also includes the Bronco and Bronco Sport, Explorer, and Expedition SUVs, the Mustang performance car, the Mustang Mach-E EV, the Maverick compact pickup, and the Transit and e-Transit vans. Models such as the EcoSport, Focus, Fusion, and Flex are discontinued but remain widely available on the Canadian used vehicle market.
Does an insurer automatically classify every Mustang as a sports car?
Not according to actual quotes for the Ontario insurance market. Rather, insurers consider many factors, including detailed information about the car (which is aggregated with claims history for those vehicles), as well as information about the driver’s history, location, how the car is used, coverage options and more.