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2009 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 2009 Ford Escape are $922 a year for full coverage. Comprehensive insurance costs an estimated $164, collision costs $220, and liability coverage costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing $1,980 or more. Teenage drivers receive the highest rates at $3,646 a year or more.

Annual premium for full coverage: $922

Rate estimates for 2009 Ford Escape Insurance

Comprehensive $164
Collision $220
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 go from as low as $446 for only liability insurance to the much higher price of $1,980 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $922
High Risk $1,980

View Chart as Image

2009 Ford Escape insurance rates compared
Column chart showing 2009 Ford Escape insurance prices range from $555 to $3,646 for full coverage

These differences show why everyone should compare rates for a targeted area and risk profile, rather than using 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 2009 Ford Escape Insurance

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Overwhelmed by the dozens of auto insurance choices? Many other consumers are too. Drivers have so many options that it can easily become a challenge to find the best price.

If you have car insurance now, you stand a good chance to be able to save some money using this information. The purpose of this article is to instruct you on the most effective way to quote insurance and some tricks to saving. Although vehicle owners benefit from understanding the way companies market insurance on the web.

Why your Ford Escape insurance rates may be high

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Listed below are a few of the “ingredients” used by your company to calculate your rates.

  • With age comes lower rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Youthful drivers are known to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
  • Never go without insurance – Driving your car without having proper coverage is a misdemeanor and insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Drive less and save money – The more you drive in a year’s time the more you will pay for insurance. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. An improperly rated Escape may be costing you. Double check that your insurance policy is rated on the correct driver usage.
  • Bundling policies can get discounts – The majority of insurance companies give discounts to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to shop around to ensure the best deal.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Tickets mean higher rates – Drivers with clean records get better rates than people who have multiple driving citations. Only having one moving violation may increase your cost by as much as thirty percent. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Quick Auto Insurance Quotes

All major auto insurance companies like State Farm, GEICO and Progressive allow you to get coverage price quotes directly from their websites. Getting online rates is quite easy as you simply type in the coverage amounts you desire into the quote form. After the form is submitted, their system will order credit information and your driving record and provides a quote.

This simplifies rate comparisons, but the work required to visit multiple sites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to perform this step in order to find better auto insurance pricing.

An easier way to lower your auto insurance bill requires only one form to return rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes price shopping online much more efficient. After your information is entered, your coverage is rated and you are able to buy any of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To quickly get comparison pricing now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you enter deductibles and limits as close as possible to your current policy. This helps ensure you are getting a price comparison using the same coverage and limits.

Don’t miss these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but a few must be specially asked for prior to receiving the credit.

  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

Free Auto Insurance Comparison

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

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To see a list of insurers with discount insurance coverage rates, follow this link.

When might I need help?

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Does car insurance cover theft of personal property?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my babysitter covered when using my vehicle?
  • How much can I save by bundling my policies?
  • Do I need replacement cost coverage on my 2009 Ford Escape?
  • How does medical payments coverage work?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When should I remove comp and collision on my 2009 Ford Escape?
  • Am I covered if hit by an uninsured driver?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Coverage specifics

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision – This coverage will pay to fix damage to your Escape resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, driving through your garage door, sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2009 Ford Escape.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, damage from a tornado or hurricane, vandalism, damage from getting keyed and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance – Liability coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, bail bonds, structural damage and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage kick in for expenses such as hospital visits, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Save your hard earned cash

Cost effective 2009 Ford Escape insurance is definitely available online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

We’ve covered some good ideas how you can reduce insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at an affordable rate.

More information is available below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,455
Los Angeles, CA $1,575
Philadelphia, PA $1,229
Jacksonville, FL $1,334
Phoenix, AZ $1,072
Chicago, IL $1,235
Houston, TX $1,443
Seattle, WA $895
Columbus, OH $767
Indianapolis, IN $784

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $3,646
20 $2,104
30 $942
40 $922
50 $846
60 $828

Full coverage, $500 deductibles

Rates by Deductible

2009 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,088
$250 $1,012
$500 $922
$1,000 $834

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $922
50/100 $1,002
100/300 $1,103
250/500 $1,364
100 CSL $1,043
300 CSL $1,264
500 CSL $1,425

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $5,152
20 $3,348
30 $2,002
40 $1,980
50 $1,890
60 $1,874

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 $123

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $58
5-yr Claim Free $58
Paid in Full/EFT $35
Advance Quote $41
Online Quote $63
Total Discounts $367
Rate after discounts $555

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

Find companies with the cheapest rates in your area

2009 Ford Escape Insurance Rates by State
State Premium
Alabama $834
Alaska $708
Arizona $766
Arkansas $922
California $1,050
Colorado $878
Connecticut $946
Delaware $1,040
Florida $1,150
Georgia $852
Hawaii $662
Idaho $624
Illinois $686
Indiana $694
Iowa $622
Kansas $874
Kentucky $1,256
Louisiana $1,364
Maine $568
Maryland $760
Massachusetts $734
Michigan $1,600
Minnesota $770
Mississippi $1,104
Missouri $816
Montana $990
Nebraska $724
Nevada $1,104
New Hampshire $666
New Jersey $1,030
New Mexico $814
New York $970
North Carolina $532
North Dakota $756
Ohio $634
Oklahoma $944
Oregon $844
Pennsylvania $878
Rhode Island $1,228
South Carolina $836
South Dakota $778
Tennessee $806
Texas $1,110
Utah $682
Vermont $628
Virginia $552
Washington $710
West Virginia $844
Wisconsin $634
Wyoming $820

Free Auto Insurance Comparison

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