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2003 Ford Escape Insurance Rates

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

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: Dec 1, 2021

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Average insurance rates for a 2003 Ford Escape are $790 a year for full coverage. Comprehensive costs around $130 a year, collision insurance costs $140, and liability insurance costs around $384. Buying a liability-only policy costs as low as $432 a year, and high-risk insurance costs around $1,684. Teen drivers receive the highest rates at up to $3,190 a year.

Annual premium for full coverage: $790

Rate estimates for 2003 Ford Escape Insurance

Comprehensive $130
Collision $140
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 middle-aged driver, prices range range from as low as $432 for only liability insurance to a high of $1,684 for a high risk driver.

Liability Only $432
Full Coverage $790
High Risk $1,684

View Chart as Image

2003 Ford Escape insurance rates compared
Column chart showing 2003 Ford Escape insurance prices range from $490 to $3,190 for full coverage

These differences show why it is important for drivers to compare prices for a specific zip code and risk profile, rather than relying 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 2003 Ford Escape Insurance

Searching Companies

Want cheaper car insurance rates for your Ford Escape? Consumers who are new to the process of comparing rates online might discover shopping for cut-rate car insurance quite challenging.

The purpose of this post is to instruct you on how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will be able to cut costs considerably using these techniques. Although consumers can benefit by having an understanding of how the larger insurance companies price online insurance.

Discounts on 2003 Ford Escape insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at quote time, but some must be specially asked for prior to receiving the credit.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy qualifies for this discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Distant Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • E-sign – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Escape insurance with select insurance companies.

As a disclaimer on discounts, most of the big mark downs will not be given the whole policy. Most cut individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will reduce your premiums.

For a list of insurers with the best car insurance discounts, click this link.

Misconceptions in insurance advertisements

Insurance companies such as Progressive, Allstate and GEICO continually stream television and radio advertisements. They all seem to say the same thing that you’ll save big after switching your policy. How does each company say the same thing?

All the different companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk could possibly be between the ages of 30 and 50, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Consumers who fall outside this ideal profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much. That is how companies can state the savings.

That is why it is so important to get quotes from several different companies. It is impossible to predict which insurance companies will fit your personal profile best.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.

For example, these questions could help you determine whether or not you will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my trailer covered?
  • Should I buy full coverage?
  • What if I total my 2003 Ford Escape and owe more than it’s worth?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Free Auto Insurance Comparison

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Car insurance coverages for a Ford Escape

Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, vandalism, damage from a tornado or hurricane and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This coverage covers damage to your Escape caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, prosthetic devices, doctor visits, dental work and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Don’t be a big spender

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Low-cost 2003 Ford Escape insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, delays in paying claims or poor customer service. Whatever your reason, finding a new car insurance company is less work than it seems.

For more information, feel free to browse the following helpful articles:

  • State Laws for Cellphones and Texting (iihs.org)
  • Your Car has been Stolen: Now What? (Allstate)
  • Car Insurance: When not to Skimp (BankRate.com)
  • What is Gap Insurance? (Insurance Information Insitute)
  • Vehicle Safety Ratings (iihs.org)
  • Learn About Car Insurance (GEICO)

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,245
Los Angeles, CA $1,347
Philadelphia, PA $1,050
Jacksonville, FL $1,144
Phoenix, AZ $916
Chicago, IL $1,058
Houston, TX $1,238
Seattle, WA $766
Columbus, OH $656
Indianapolis, IN $673

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $3,190
20 $1,788
30 $800
40 $790
50 $726
60 $710

Full coverage, $500 deductibles

Rates by Deductible

2003 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $904
$250 $852
$500 $790
$1,000 $728

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $790
50/100 $867
100/300 $963
250/500 $1,212
100 CSL $905
300 CSL $1,116
500 CSL $1,270

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $4,482
20 $2,842
30 $1,694
40 $1,684
50 $1,606
60 $1,590

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 $102

Potential Rate Discounts

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

Discount Savings
Multi-policy $39
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $45
5-yr Claim Free $48
Paid in Full/EFT $27
Advance Quote $33
Online Quote $52
Total Discounts $300
Rate after discounts $490

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

Find companies with the cheapest rates in your area

2003 Ford Escape Insurance Rates by State
State Premium
Alabama $712
Alaska $604
Arizona $654
Arkansas $790
California $898
Colorado $750
Connecticut $810
Delaware $892
Florida $986
Georgia $728
Hawaii $568
Idaho $534
Illinois $588
Indiana $596
Iowa $532
Kansas $748
Kentucky $1,076
Louisiana $1,168
Maine $486
Maryland $650
Massachusetts $628
Michigan $1,368
Minnesota $662
Mississippi $944
Missouri $700
Montana $846
Nebraska $620
Nevada $946
New Hampshire $568
New Jersey $882
New Mexico $698
New York $830
North Carolina $454
North Dakota $646
Ohio $542
Oklahoma $808
Oregon $724
Pennsylvania $750
Rhode Island $1,052
South Carolina $716
South Dakota $666
Tennessee $690
Texas $952
Utah $584
Vermont $540
Virginia $472
Washington $608
West Virginia $724
Wisconsin $544
Wyoming $702

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