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No car brand is more synonymous with modern industrialization than Ford, and in Canada, the company has always had its own distinct status. The Ford Motor Company of Canada Ltd. was founded in 1904 as a distinct business entity, not financially related to its cousin across the river in Detroit. The company acquired all the patent rights and selling privileges for all parts of the British Empire save for Great Britain itself and Ireland. Its original 12 shareholders controlled 51 percent of the company while Henry Ford held 13 percent. Though the Canadian division was acquired by its U.S. relative after WWII, Ford remained prominent in Canada, the largest company in Canada through the 1970s.

Founder of the American company, Henry Ford worked directly with the people who later founded the Cadillac Motor Company and John and Horace Dodge, founders of their own eponymous brand. His Detroit factories laid the groundwork for the expansion and refinement of the assembly line. Contrary to common belief, Ford did not invent the assembly line. That distinction goes to Ransom Olds and the first mass-produced vehicle, the Oldsmobile Curved Dash. Ford’s moving assembly line is, though, believed to be a first. Fords were initially only offered in black, as that was the only colour that dried fast enough for the assembly process.

Ford Car Insurance Impact

With a wide range of models across price ranges, the impact that Ford models have on insurance premiums varies. Car year, make and model is only part of the equation that insurers use to calculate the cost of a policy, but it can be a significant factor. Generally, a car that is hard to steal and inexpensive to repair will cost less to insure. Here we look at how some Ford models stack up.

Ford Accident Benefit Performance

ford mustang

Cars that protect occupants well in accidents can be noted by low personal injury claims. Of all the models Ford produces only the 2014 Ford Focus has accident benefit claims more often than average. Models with fewer than average personal injury claims include: late-model Ford Edge, Ford Expedition, Ford Explorer Sport Trac, Ford F150, Ford F250, Ford F350, Ford Flex and Ford Ranger. Other models placed within the average range, as collated by the Insurance Bureau of Canada.

Ford Collison Costs

While the 2012 through 2014 Ford Edge models protected passengers well, the same models cost substantially more than average to repair after a collision, about 150 percent of the national average. The Ford F350, Ford Edge, Ford Flex, Ford Focus, Ford Fusion and Ford Mustang two-door also rated above-average for collision repairs across multiple model years. These models will likely cost more that average for collision insurance coverage.

The Ford Escape, Ford F150, Ford Focus and Ford Mustang and Mustang GT convertibles scored better than average for collision repair claims and, from a collision insurance standpoint, likely cost less than average.

Comprehensive Claim Costs for Ford

Comprehensive insurance claims are made when vehicles are stolen or damaged in non-collision situations. With the exception of the #4 position nationally, Ford trucks are the most popular vehicle with thieves. Various years of the Ford F350 and F250 take the other 9 places in the Most Stolen Top Ten for 2015. There’s a heavy Western Canada bias to these numbers, however, as no Ford product cracked Ontario’s list. Ford F150 and Ford Expedition also score higher than average for comprehensive claims. Ford Fusion and late-model Ford Taurus also show higher than average scores, but not as universally as the truck models.

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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