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2008 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: Jan 17, 2020

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Average insurance rates for a 2008 Ford Escape are $900 a year including full coverage. Comprehensive insurance costs around $158 each year, collision insurance costs $200, and liability insurance costs around $406. Buying a liability-only policy costs as low as $450 a year, and high-risk insurance costs $1,932 or more. Teenage drivers receive the highest rates at up to $3,580 a year.

Annual premium for full coverage: $900

Rate estimates for 2008 Ford Escape Insurance

Comprehensive $158
Collision $200
Liability $406

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 the average driver, prices range range from as low as $450 for a discount liability-only rate to a high rate of $1,932 for a driver that may need high-risk insurance.

Liability Only $450
Full Coverage $900
High Risk $1,932

View Chart as Image

2008 Ford Escape insurance rates compared
Column chart showing 2008 Ford Escape insurance prices range from $546 to $3,580 for full coverage

These differences highlight why all drivers should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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 2008 Ford Escape Insurance

Searching Companies

Want lower insurance coverage rates for your Ford Escape? Have you fallen victim to high-priced insurance coverage? Trust us when we tell you you are not the only one feeling buyer’s remorse. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

It’s a great practice to price shop coverage at least once a year since rates are usually higher with each renewal. Just because you found the best rates for Escape insurance on your last policy other companies may now be cheaper. So block out anything you think you know about insurance coverage because we’re going to show you the quickest way to properly buy coverages and cut your premium.

Which Insurance is Cheapest?

Effectively comparing insurance prices is a ton of work if you don’t understand the easiest way. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

Most car insurance companies belong to a marketplace where insurance shoppers send in one quote, and each company then gives them pricing for coverage. This eliminates the need for quote requests to each individual insurance company.

To find out what other companies charge for 2008 Ford Escape insurance click here to start a free quote.

The only drawback to pricing coverage this way is buyers cannot specifically choose which companies you want to price. If you prefer to choose specific providers for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing identical quote information for every quote you compare. If the quotes have different values for each quote it will be very difficult to decipher which rate is best.

Discounts on 2008 Ford Escape insurance

Auto insurance companies don’t list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Paperless Signup – Certain companies will give a small break for buying a policy and signing up online.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
  • Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to drivers who are more careless.
  • Low Mileage Discounts – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Military Rewards – Being deployed with a military unit could mean lower rates.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you won’t be that lucky.

For a list of providers offering auto insurance discounts, follow this link.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • What is an SR-22 filing?
  • If my pet gets injured in an accident are they covered?
  • Is extra glass coverage worth it?
  • How much underlying liability do I need for an umbrella policy?
  • How can I force my company to pay a claim?
  • Are split liability limits better than a combined single limit?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Free Auto Insurance Comparison

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

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Auto insurance coverages explained

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

Auto collision coverage

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

Collision coverage pays for things such as colliding with a tree, crashing into a ditch, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, vandalism, hitting a bird and a tree branch falling on your vehicle. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like hospital visits, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for liability

This provides protection from damage that occurs to people or other property by causing an accident. 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. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, funeral expenses and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,422
Los Angeles, CA $1,536
Philadelphia, PA $1,201
Jacksonville, FL $1,304
Phoenix, AZ $1,044
Chicago, IL $1,206
Houston, TX $1,412
Seattle, WA $874
Columbus, OH $750
Indianapolis, IN $768

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $3,580
20 $2,048
30 $918
40 $900
50 $828
60 $812

Full coverage, $500 deductibles

Rates by Deductible

2008 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,056
$250 $986
$500 $900
$1,000 $818

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $900
50/100 $981
100/300 $1,083
250/500 $1,347
100 CSL $1,022
300 CSL $1,245
500 CSL $1,408

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $5,048
20 $3,262
30 $1,950
40 $1,932
50 $1,846
60 $1,826

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 $120

Potential Rate Discounts

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

Discount Savings
Multi-policy $46
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $55
5-yr Claim Free $56
Paid in Full/EFT $33
Advance Quote $39
Online Quote $61
Total Discounts $354
Rate after discounts $546

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

Find companies with the cheapest rates in your area

2008 Ford Escape Insurance Rates by State
State Premium
Alabama $814
Alaska $692
Arizona $746
Arkansas $900
California $1,024
Colorado $860
Connecticut $924
Delaware $1,018
Florida $1,124
Georgia $832
Hawaii $648
Idaho $610
Illinois $670
Indiana $680
Iowa $608
Kansas $854
Kentucky $1,228
Louisiana $1,332
Maine $556
Maryland $742
Massachusetts $716
Michigan $1,562
Minnesota $754
Mississippi $1,078
Missouri $798
Montana $966
Nebraska $710
Nevada $1,078
New Hampshire $648
New Jersey $1,008
New Mexico $796
New York $948
North Carolina $520
North Dakota $738
Ohio $620
Oklahoma $922
Oregon $826
Pennsylvania $858
Rhode Island $1,202
South Carolina $818
South Dakota $760
Tennessee $788
Texas $1,086
Utah $666
Vermont $614
Virginia $540
Washington $694
West Virginia $826
Wisconsin $620
Wyoming $802

Free Auto Insurance Comparison

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