Ford Model T image - Vital Statistics

Ford Model T (1908 – 1927)

“I will build a motor car for the great multitude”
The words of Henry Ford, of which he was true to with the Ford Model T (1908 – 1927) affectionately known as the ‘Tin Lizzie’. Now everyone could own a car, not just the wealthy thanks to Fords application of the moving assembly line and lowering product cost and profit margins in exchange for increased sales volume.

Ford had managed to cut chassis production time from over 12 hours to 1.5 hours in the beginning and by 1927 Ford was producing an automobile every 24 seconds, now that’s productivity! The Model T was an affordable machine that changed the world. In 1909 for $825 you could buy a reliable car that was easy to drive, Ford sold over 10,000 in the first year. This was a record for any automobile model.

By 1925 prices of the Model T were just $300 per vehicle but the car was almost antiquated by this time and production stopped in 1927. In 1999 a panel of 133 motoring journalists and experts voted the Ford Model T ‘Car of the Century’ narrowing down a list of 700 cars to 1.

Years Produced1908 - 1927
Performance0 - 60mph N/A sec / Top Speed - 45mph
Power & Torque22bhp / 83Ib ft
Engine2896cc / four cylinder / 8 valves
Drive-trainfront engine RWD
TransmissionTwo speed manual

Values have increased significantly over the years. Let’s take a look at the market trends since 2010.


The Ford Model T can feel like a daunting experience to today’s driver but the reality is that in its heyday it was probably the simplest car to own and drive. There are three evolutions of the Model T in its production life although plenty of variants but we will stick to the basics in this buyers guide.


1st evolution is the Brass cars built between 1908 and 1916 these hold the highest value being the earliest built. The Steel cars built between 1917 and 1925 were the Ford Model T’s, painted all black as per the alleged phrase “you can buy one in any colour as long as its black” and then the last evolution the improved car with balloon tyres and upgraded brakes. It takes time and patience to learn to drive a Model T so bare this in mind before you buy one.

Under the bonnet

If there is any rust on the body of the car then beware as there could be wood rot underneath, these cars have wooden frames over pressed steel. Early models have leather seats but later ones are leatherette in the roadsters and cloth in the hard tops. Engines should start well when hand cranked, some will have self starters as a retro fit. You should always make sure the car has plenty of history with it as a car of this age could have been through anything in its life time. Radiators were round tube but many Model T’s will have had a more efficient flat tube replacement by now. Safety glass should replace original front windscreens and bear in mind the brakes take a long time to stop you!


Wheels are of the wood spoke variety with late cars treated to wire ones (cruising speed is around 30 mph but will do 40 plus at a push). The Ford Model T is not a driver’s car by any means but it is a classic icon of motoring history.

INSURING A Ford Model T (1908 – 1927)

At Heritage Insurance with 50 years experience behind us, we offer a tailor made package for one or more cars. We include both our in-house agreed value service and salvage retention should the worst happen. Our annual fully comprehensive policy proves excellent value for money at no extra cost (limited mileage and club members discounts). Here are some typical examples of how little your insurance could be.

  • Quotations based on fully comprehensive cover, insured only to drive age 60.

Annual premium – £210.64 with a £100 accidental damage excess.

  • Quotations based on fully comprehensive cover, insured only to drive age 45.

Annual premium – £222.29 with a £100 accidental damage excess.

  • Quotations based on fully comprehensive cover, insured only to drive age 30.

Annual premium – £257.05 with a £100 accidental damage excess.

*NB: All insurance quotes based on the same criteria:

  • The vehicle garaged overnight
  • The insurer has no record of accidents, claims or convictions
  • The insurer drives a main car daily and doesn’t exceed a mileage of 3000 per annum.

Quotations based on an Agreed Value of £15,000. Prices may alter depending on individual criteria.


Between 1913 and 1927, Ford factories produced more than 15 million Model Ts.

Mark Wilkinson (Managing Partner of Heritage Classic Car Insurance) says

“Henry Ford’s idea of producing a car for everyone was way ahead of its time and the Ford Model T was the perfect vessel to fulfil this vision. Simple, practical and inexpensive the Ford Model T is the classic example of efficiency and innovation.”

INSURING A Ford Model T (1908 – 1927)


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