Key Facts About Insuring a Ford in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Ford drivers in Ontario in 2026.
| Average Ford insurance premium (Ontario): | $1,810 |
| Cheapest Ford model to insure: | F150 ($1,575) |
| Most expensive Ford model to insure: | Mustang ($2,389) |
| Cheaper alternatives to Ford for car insurance: | Mitsubishi ($1,519), Fiat ($1,612), Volkswagen ($1,644), Subaru ($1,702) |
| Ford collision rate in Ontario: | 11.2% of Ford drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Ford in Ontario?
Location is a major driver of a Ford premium. Drivers in busy urban centres like Brampton face well-above-average costs, while those in Kitchener and similar markets pay less than the $1,810 Ontario average.
Below are estimated average annual Ford premiums for major Ontario cities:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $2,947 |
| Scarborough, ON | $2,587 |
| Vaughan, ON | $2,296 |
| Mississauga, ON | $2,118 |
| Markham, ON | $2,007 |
| Toronto, ON | $1,994 |
| Barrie, ON | $1,798 |
| Oshawa, ON | $1,797 |
| London, ON | $1,730 |
| Windsor, ON | $1,727 |
| Thunder Bay, ON | $1,725 |
| Hamilton, ON | $1,587 |
| Sudbury, ON | $1,564 |
| Kitchener, ON | $1,537 |
| Kingston, ON | $1,476 |
| Ottawa, ON | $1,426 |
How Ford Car Insurance Costs Compare to Similar Vehicle Brands
When selecting a vehicle, many potential buyers often weigh the insurance rates of different brands, including Ford, against each other. Insurance costs can significantly influence the decision-making process.
Based on internal customer quote data, our analysis shows that Ford’s insurance rates fall within a mid-range compared to other major brands. While Ford’s premiums are higher than Chevrolet’s and GMC’s, they remain more affordable than those of Toyota and Dodge. This positions Ford as a competitively priced option for drivers looking for a balance between cost and coverage. Here’s a brief comparison:
| Car Model | Average Annual Insurance Premium |
|---|---|
| Subaru | $1,702 |
| Kia | $1,715 |
| Dodge | $1,756 |
| Ford | $1,810 |
| Mazda | $1,817 |
| Chevrolet | $1,878 |
| Infiniti | $2,021 |
Ford Car Insurance Rates Through The Years
Ford premiums have climbed steadily since 2020, rising about 47% over the period as repair costs, theft and inflation pushed Ontario rates up. After a near-flat 2020–2021, increases accelerated from 2022 onward.
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,228 | — |
| 2021 | $1,233 | +0.4% |
| 2022 | $1,432 | +16.1% |
| 2023 | $1,518 | +6.0% |
| 2024 | $1,620 | +6.7% |
| 2025 | $1,799 | +11.0% |
| 2026 | $1,810 | +0.6% |
Ford Car Insurance Rates by Model & Year Make
Not every Ford costs the same to insure. In our Ontario data the F150 is the most affordable to cover, while the Mustang carries the highest premium, reflecting differences in value, repair cost and theft risk.
Here are average annual Ontario premiums by Ford model:
| Model | Average Annual Insurance Premium |
|---|---|
| F150 | $1,575 |
| EDGE | $1,676 |
| Escape | $1,730 |
| Explorer | $1,805 |
| Focus | $1,873 |
| Fusion | $2,092 |
| Bronco | $2,114 |
| Mustang | $2,389 |
Ford Insurance FAQs
Which Ford model is the cheapest to insure?
The Ford F150 is the most affordable model to insure in Ontario, with an annual insurance premium of $1,575.
What are the most popular Ford vehicles?
Ford’s F-series has remained at the top of the charts for 59 years as the best-selling pickup truck in Canada.
Another popular Ford vehicle includes the Ford Escape. The Escape continues to be one of the top sport utility vehicles in the country. Other famous Ford models include the EcoSport, Expedition, Mustang, Fusion, Flex, Transit Van, and E-series.
Are Ford vehicles safe to drive?
Ford is known for its style and durability. The overall safety rating depends on the model and year. Many Ford SUVs have safety awards from the Insurance Institute for Highway Safety (IIHS).
During testing, the IIHS gave the Escape a “Good” rating in six crash tests. The prevention systems for front crashes earned “Superior,” while the headlights got an “Acceptable” rating.