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A brief history of Ford

Matt Hands

American automotive corporation, Ford Motor Company, is one of the biggest names in the car manufacturing industry – here’s how it began.

In 1896, Henry Ford built his first automobile as an experiment in the workshop behind his home, because as his famous quote says, “If I had asked people what they wanted, they would have said faster horses.By 1903, he founded the Ford Motor Company and the corporation assembled their very first model – the Model A. Five years later, Ford launched the Model T, a highly successful vehicle that caused the company to innovate its manufacturing process. Because of the increase in demand, Henry Ford created the first mass-production moving assembly line for automobiles, reducing production time from 12 hours to about 1.5 hours per vehicle. This also allowed the company to to sell its cars for only $300 in 1925 (equivalent in purchasing power to about $4,700 today), making vehicles more accessible to the general public. 

The Ford Motor Company of Canada was founded in 1904 by Gordon Morton McGregor, and within its first year, the company produced a total of 117 cars – the first one being the Model C. Together, Ford and Ford-Lincoln, its luxury vehicle division, now has over 400 dealership locations cross-country while Ford continues to manufacture cars in Oakville, Ontario. In 2020, the company sold over 230,000 vehicles in Canada alone. 

Today, popular Ford models for Canadians include the Mustang and Explorer. However, the manufacturer is especially known for its F-series trucks, one of the best-selling pick-up trucks of all time. 

Mandatory insurance for Ford vehicles

Third-party liability


Accident benefits


Direct compensation property damage (DCPD)


Uninsured motorist


Optional Ford car insurance coverage

Collision insurance


Comprehensive insurance


All perils


Specified perils


Ford insurance endorsements

Suspension of coverage (endorsement 16)


Reinstatement of coverage (endorsement 17)


Loss of use (endorsement 20)


Legal liability for damage to non-owned vehicles (endorsement 27)


Accident forgiveness (endorsement 39)


Replacement cost insurance (endorsement 43)


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Ford car insurance rates by model

The following car insurance rates are calculated using Ratehub’s car insurance calculator, taking the average of the three lowest premiums offered for five popular Ford models. 

Methodology: Each table below outlines monthly and annual rates for a 35-year-old male driver, living in Toronto, Ontario with a clean driving record. The policy includes $1,000,000 in liability coverage and a $1000 deductible each for collision insurance and comprehensive insurance

Keep in mind that insurance companies offer premiums on a case-to-case basis, depending on the driver’s demographics and driving habits. To find the exact price you’ll be paying to insure your Ford, be sure to compare auto insurance quotes with us.

Model (S 4DR 2WD)

Average monthly rate

Average annual rate

2021 Escape

$149

$1,782

2020 Escape

$144

$1,727

2019 Escape

$150

$1,796

2018 Escape

$149

$1,789

2017 Escape

$145

$1,740

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How to get cheap Ford insurance

  1. Compare the market

    Auto insurance rates vary greatly between companies – you need to research which insurer will offer the best coverage specific to you.

  2. Bundle your policies

    You may get discounts if you bundle insurance plans together, for example, by having your auto and home insurance bundled together with the same auto insurance carrier.

  3. Increase your deductible

    The deductible is what you pay when something happens to your Ford, before the insurance company pays the rest. Increasing your deductible can lower your annual premiums – just make sure you can afford it.

  4. Ask about discounts

    Many insurers offer discounts to members of professional organizations or affiliation groups – so it pays to ask about discount relationships.

  1. Take a course

    Accredited driving courses will not only make you a safer driver, but can also result in discounts from many insurance companies.

  2. Maintain a good driving record

    At-fault collisions and driving convictions stay on your insurance record for years and make your rates go way up – if you drive safely, you’ll pay the lowest rates.

  3. Track your driving

    With usage-based insurance (UBI) you can earn discounts for driving well. Tracking your own driving online, you can earn discounts by not driving far or often, and on advanced stats like how carefully you brake.

  4. Pay upfront

    If you pay your premiums up front for the year – or even per half-year – you will usually end up paying less than if you paid monthly.

FAQ: Ford car insurance

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Matt Hands, Business Director of Insurance

Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.

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