Ford is one of America’s Detroit Three automakers along with General Motors and Stellantis. Its Blue Oval badge appears on crossovers, pickup trucks, performance cars and electrified vehicles with very different repair demands and uses. Ford has historically also made sedans and hatchbacks, but all its cars except the Mustang were discontinued beginning in 2018. Ford vehicles have many factors htat can affect an insurance quote beyond model and age including trim level, powertrain choice, towing or business use, sensor technology, theft history, location and driver experience.
Our team has analyzed MyChoice internal quote data to build this guide, which compares insuring Ford models across different Ontario cities. It also estimates new-versus-used costs and benchmarks the brand against its American competitors.
Ford Insurance Costs Across Cars, Trucks and SUVs
Ford’s median annual Ontario premium is $2,256, 4% below the $2,345 all-vehicle benchmark. Model-specific median quote estimates span from about $1,427 for the Edge SEL to $3,923 for the Fusion SE AWD. This $2,496 range across a single brand makes these averages less useful than a model-specific quote.
| 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
In our city-specific median quote data, Ford insurance costs vary significantly by model and location. A 2013 Edge in Niagara Falls is the cheapest vehicle to insure at $1,209 per year, while a 2026 Escape Hybrid in Mississauga is the most expensive at $4,065.
| 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.
Are Ford vehicles reliable and safe?
In J.D. Power’s 2026 U.S. Vehicle Dependability Study, Ford’s reliability performance falls below the industry average. The Insurance Institute for Highway Safety (IIHS) lists the 2026 Explorer and the 2026 Mustang Mach-E as Top Safety Picks, but none of Ford’s other current vehicles achieve the same designation. Safety results vary by model, model year, build date and equipment, so research the exact car you’re considering rather than generalizing across the brand.
Does an insurer automatically classify every Mustang as a sports car?
According to MyChoice’s internal quote data, there is no single Ontario rule that prices every Mustang under one sports-car label. Insurers rate the exact vehicle and its claims experience together with the driver’s record, location, use, selected coverage and deductible. A higher-performance trim may therefore produce a different quote, but the label alone does not determine the premium.