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2002 Ford Escape Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2002 Ford Escape are $768 a year for full coverage. Comprehensive insurance costs on average $120 each year, collision costs $132, and liability costs around $380. Buying a liability-only policy costs as low as $428 a year, with high-risk insurance costing $1,640 or more. Teen drivers receive the highest rates at $3,132 a year or more.

Annual premium for full coverage: $768

Rate estimates for 2002 Ford Escape Insurance

Comprehensive $120
Collision $132
Liability $380

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Ford Escape models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $428 for only liability insurance to a high rate of $1,640 for a driver who has had serious violations or accidents.

Liability Only $428
Full Coverage $768
High Risk $1,640

View Chart as Image

2002 Ford Escape insurance rates compared
Column chart showing 2002 Ford Escape insurance prices range from $475 to $3,132 for full coverage

These differences show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2002 Ford Escape Insurance

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Want the cheapest insurance coverage rates for your Ford Escape? Trying to find the cheapest insurance for your Ford Escape can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find insurance coverage online and you need to know the proper way to price shop coverage for a Ford and find the cheapest rates from both online companies and local agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current car insurance policy or are just looking to switch companies, you can use these techniques to find better prices and still get good coverage. Drivers just need to learn the proper methods to compare prices over the internet.

Ford Escape insurance premiums are calculated by many factors

Smart consumers have a good feel for some of the elements that come into play when calculating insurance coverage rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Increase deductibles and save – Deductibles for physical damage represent how much money you are required to spend before your insurance coverage pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the less your insurance coverage will be for Escape insurance.
  • Pay less after the wedding – Having a wife or husband can actually save you money when buying insurance coverage. Having a spouse usually means you are more mature and responsible and it’s proven that married couples file fewer claims.
  • Teen drivers pay high rates – Teenage drivers tend to be careless and easily distracted behind the wheel so insurance coverage rates are higher. If you’ve ever had to add a young driver to your policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Men are more aggressive – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. They both are in accidents at a similar rate, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Your location is important – Living in small towns and rural areas can be a good thing when talking about insurance coverage. Fewer people means fewer accidents and also fewer theft and vandalism claims. Urban drivers have much more traffic to deal with and much longer commute distances. More time commuting means higher likelihood of an accident.
  • Better credit scores mean better rates – Having a bad credit rating is a huge factor in calculating your insurance coverage rates. Consumers who have high credit scores tend to be less risk to insure than those with lower credit ratings. So if your credit score can use some improvement, you could save money insuring your 2002 Ford Escape by repairing your credit.
  • Equipment add-ons that lower insurance coverage rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.

Cut your insurance coverage rates with discounts

Auto insurance companies don’t always list every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Auto/Home Discount – If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Senior Citizens – If you qualify as a senior citizen, you may receive better insurance coverage rates for Escape insurance.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • No Accidents – Drivers who don’t have accidents can save substantially as compared to bad drivers.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Memberships – Belonging to certain professional organizations is a good way to get lower rates when shopping for insurance coverage for Escape insurance.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.

Drivers should understand that many deductions do not apply the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies who might offer these benefits include:

  • GEICO
  • MetLife
  • Progressive
  • Travelers
  • SAFECO
  • AAA

Before buying, ask each insurance company how you can save money. Discounts might not apply everywhere.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Can you really save $417 a year?

Drivers get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. All the companies make an identical promise that you can save if you move to their company.

How do they all say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the driver they prefer to insure. For instance, a preferred risk could possibly be over the age of 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who are not a match for the requirements will be charged a more expensive rate which usually ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That’s the way companies can advertise the savings. That is why drivers should get quotes from several different companies. It’s not possible to predict which insurance coverage company will have the lowest Ford Escape insurance rates.

You are unique and your insurance coverage should be too

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions can aid in determining if your situation would benefit from professional advice.

  • Do I need more liability coverage?
  • Am I covered when pulling a rental trailer?
  • When do I need to add a new car to my policy?
  • Will my insurance pay for OEM parts?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my state a no-fault state?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Learn about auto insurance coverages for a 2002 Ford Escape

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, theft, damage from getting keyed and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2002 Ford Escape.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability coverage

This coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, medical services, legal defense fees, medical expenses and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, surgery, funeral costs and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Best coverage at the best price

Low-cost 2002 Ford Escape insurance can be found both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer online price quotes and these small insurance companies work with independent agents.

In this article, we covered some good ideas how you can reduce insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

People change insurance companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, extreme rates for teen drivers or not issuing a premium refund. No matter why you want to switch, finding a new company can be pretty painless.

Other resources

  • Information for Teen Drivers (GEICO)
  • Insuring a Leased Car (Insurance Information Insitute)
  • How to Avoid Staged Accidents (State Farm)
  • Crash Avoidance Technologies FAQ (iihs.org)
  • Things to Know Before you Cancel Insurance (Allstate)
  • Understanding your Policy (NAIC.org)

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2002 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,212
Los Angeles, CA $1,311
Philadelphia, PA $1,022
Jacksonville, FL $1,111
Phoenix, AZ $893
Chicago, IL $1,030
Houston, TX $1,204
Seattle, WA $746
Columbus, OH $639
Indianapolis, IN $653

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $3,132
20 $1,744
30 $776
40 $768
50 $706
60 $692

Full coverage, $500 deductibles

Rates by Deductible

2002 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $876
$250 $828
$500 $768
$1,000 $710

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $768
50/100 $844
100/300 $939
250/500 $1,186
100 CSL $882
300 CSL $1,091
500 CSL $1,243

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $4,392
20 $2,774
30 $1,648
40 $1,640
50 $1,566
60 $1,550

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $100

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $38
Multi-vehicle $41
Homeowner $14
5-yr Accident Free $44
5-yr Claim Free $47
Paid in Full/EFT $26
Advance Quote $32
Online Quote $51
Total Discounts $293
Rate after discounts $475

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2002 Ford Escape Insurance Rates by State
State Premium
Alabama $694
Alaska $590
Arizona $638
Arkansas $768
California $874
Colorado $730
Connecticut $786
Delaware $868
Florida $958
Georgia $708
Hawaii $552
Idaho $522
Illinois $572
Indiana $578
Iowa $516
Kansas $728
Kentucky $1,046
Louisiana $1,136
Maine $474
Maryland $634
Massachusetts $612
Michigan $1,332
Minnesota $642
Mississippi $918
Missouri $682
Montana $822
Nebraska $604
Nevada $920
New Hampshire $554
New Jersey $858
New Mexico $678
New York $808
North Carolina $440
North Dakota $628
Ohio $528
Oklahoma $786
Oregon $704
Pennsylvania $730
Rhode Island $1,022
South Carolina $696
South Dakota $646
Tennessee $670
Texas $926
Utah $568
Vermont $524
Virginia $460
Washington $592
West Virginia $704
Wisconsin $528
Wyoming $682

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