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2005 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 2005 Ford Escape are $818 a year with full coverage. Comprehensive insurance costs an estimated $134, collision costs $150, and liability coverage costs $398. Buying a liability-only policy costs as little as $444 a year, with high-risk insurance costing $1,750 or more. Teen drivers receive the highest rates at $3,310 a year or more.

Annual premium for full coverage: $818

Rate estimates for 2005 Ford Escape Insurance

Comprehensive $134
Collision $150
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 40-year-old driver, prices range go from as low as $444 for a discount liability-only rate to a much higher rate of $1,750 for high-risk insurance.

Liability Only $444
Full Coverage $818
High Risk $1,750

View Chart as Image

2005 Ford Escape insurance rates compared
Column chart showing 2005 Ford Escape insurance prices range from $502 to $3,310 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using 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 2005 Ford Escape Insurance

Searching Companies

Looking for cheaper insurance coverage rates for your Ford Escape? Nobody looks forward to buying insurance coverage, especially knowing their premiums are through the roof.

With consumers having so many companies and agents to choose from, it can be challenging to find the right provider.

These discounts can lower your rates

Car insurance companies do not list all their discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Distant Student – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Escape coverage with certain companies.
  • Sign Early and Save – Some companies give discounts for switching policies before your current policy expires. It can save you around 10%.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Homeowners Savings – Owning a home can help you save on insurance coverage because maintaining a house is proof that your finances are in order.
  • Paperless Signup – A few companies will give a small break just for signing your application digitally online.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Escape coverage than drivers with accident claims.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

Consumers should know that some credits don’t apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

For a list of insurers offering insurance coverage discounts, click here to view.

Low Cost Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare quotes from insurance coverage companies in your area. The simplest method to compare 2005 Ford Escape insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished using a couple different methods.

The best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form entry for each company you want a rate for. One form gets you coverage quotes from multiple low-cost companies.

A more time consuming way to analyze rates requires you to visit the website for each individual company to request a price quote. For sake of this example, we’ll pretend you want to compare Progressive, Esurance and Farmers. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

Whichever way you use, make absolute certain that you use exactly the same coverages and limits for every company. If you use different values for each quote then you won’t be able to make a fair comparison for your Ford Escape. Having just a slight variation in limits can result in a big premium difference. And when comparison shopping, having more price comparisons helps locate lower pricing.

Different people need different coverages

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • When should I remove comp and collision on my 2005 Ford Escape?
  • What is roadside assistance coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Where can I find high-risk insurance?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Free Auto Insurance Comparison

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

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Learn about insurance coverages for a Ford Escape

Understanding the coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Escape.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision protection

This covers damage to your Escape resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, funeral costs and pain medications. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like emergency aid, pain and suffering, funeral expenses, structural damage and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Final considerations

Cheaper 2005 Ford Escape insurance can be purchased online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

In this article, we covered a lot of ways to lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest priced car insurance comes from some of the smallest insurance companies. They often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In many instances, an insured cut liability coverage limits and learned later that they should have had better coverage. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

More detailed car insurance information can be found by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,293
Los Angeles, CA $1,398
Philadelphia, PA $1,089
Jacksonville, FL $1,183
Phoenix, AZ $949
Chicago, IL $1,094
Houston, TX $1,282
Seattle, WA $796
Columbus, OH $682
Indianapolis, IN $696

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $3,310
20 $1,856
30 $828
40 $818
50 $754
60 $738

Full coverage, $500 deductibles

Rates by Deductible

2005 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $940
$250 $886
$500 $818
$1,000 $752

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $818
50/100 $898
100/300 $997
250/500 $1,256
100 CSL $937
300 CSL $1,156
500 CSL $1,316

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $4,650
20 $2,956
30 $1,760
40 $1,750
50 $1,672
60 $1,654

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 $107

Potential Rate Discounts

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

Discount Savings
Multi-policy $41
Multi-vehicle $44
Homeowner $15
5-yr Accident Free $47
5-yr Claim Free $51
Paid in Full/EFT $28
Advance Quote $35
Online Quote $55
Total Discounts $316
Rate after discounts $502

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

Find companies with the cheapest rates in your area

2005 Ford Escape Insurance Rates by State
State Premium
Alabama $740
Alaska $628
Arizona $678
Arkansas $818
California $932
Colorado $778
Connecticut $840
Delaware $924
Florida $1,020
Georgia $756
Hawaii $588
Idaho $556
Illinois $608
Indiana $616
Iowa $552
Kansas $776
Kentucky $1,116
Louisiana $1,212
Maine $506
Maryland $676
Massachusetts $652
Michigan $1,420
Minnesota $686
Mississippi $982
Missouri $726
Montana $876
Nebraska $644
Nevada $982
New Hampshire $592
New Jersey $914
New Mexico $722
New York $862
North Carolina $472
North Dakota $670
Ohio $564
Oklahoma $838
Oregon $750
Pennsylvania $778
Rhode Island $1,092
South Carolina $742
South Dakota $690
Tennessee $714
Texas $986
Utah $604
Vermont $558
Virginia $488
Washington $632
West Virginia $752
Wisconsin $566
Wyoming $728

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