How much is insurance for a Ford F150 in Ontario?

Insurance for a Ford F150 typically ranges from $1,800 to $2,800 annually for personal use. If used commercially for contracting or trades, premiums often jump to $3,000 - $5,500 per year. Final rates depend heavily on your postal code, driving history, and whether you require commercial liability limits.

Ontario F150 Rate Determinants

• Usage Class: "Artisan use" (light contracting) costs less than "commercial delivery." High-risk activities like snow removal see the highest rates, often exceeding $6,000/year.
• GVWR & CVOR: If your truck and trailer combined gross weight exceeds 4,500 kg, you legally require a CVOR, shifting you into a specialized commercial insurance bracket.
• Location Impact: Drivers in high-density areas like Brampton or Toronto pay approximately 30-40% more than rural Ontario drivers due to higher theft and accident frequency.

To secure the best rate, provide your broker with a clear breakdown of business versus personal mileage and ask about bundling a Commercial General Liability (CGL) package.