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2010 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: Nov 30, 2021

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Average insurance rates for a 2010 Ford Escape are $952 a year with full coverage. Comprehensive insurance costs on average $176, collision costs $238, and liability coverage costs around $402. Buying a liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,044 or more. Teen drivers receive the highest rates at $3,732 a year or more.

Annual premium for full coverage: $952

Rate estimates for 2010 Ford Escape Insurance

Comprehensive $176
Collision $238
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 $2,044 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $952
High Risk $2,044

View Chart as Image

2010 Ford Escape insurance rates compared
Column chart showing 2010 Ford Escape insurance prices range from $572 to $3,732 for full coverage

These differences demonstrate why everyone should compare prices based on a specific location 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 2010 Ford Escape Insurance

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Looking for the cheapest insurance coverage rates for your Ford Escape? Finding the cheapest insurance for a Ford Escape can turn out to be a painful process, but you can learn a few tricks to save time. There are more efficient ways to buy insurance coverage and we’ll show you the proper way to price shop coverage for a new or used Ford and obtain the cheapest rates from both online companies and local agents.

Smart consumers take time to compare rates quite often because insurance rates change regularly. Even if you got the best deal on Escape insurance two years ago other companies may now be cheaper. So just forget anything you know (or think you know) about insurance coverage because you’re about to learn the fastest way to save money, get proper coverage and the best rates.

The easiest way to compare car insurance rates utilizes the fact most larger insurance companies allow for online access to compare their rates. The only thing you need to do is provide information like whether you have decent credit, level of coverage desired, the ages of drivers, and if it has an alarm system. That rating information is instantly sent to all major companies and they provide comparison quotes within a short period of time.

To check rates for your Ford Escape, click here and enter your zip code.

Save with discounts on 2010 Ford Escape insurance

Car insurance companies do not list every available discount very well, so the following is a list of some of the best known and also the lesser-known ways to save on insurance coverage. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application digitally online.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings when buying insurance coverage on Escape insurance.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
  • Homeowners Savings – Simply owning a home can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.

It’s important to note that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

A partial list of companies that may offer these benefits include:

  • MetLife
  • Progressive
  • Travelers
  • AAA

Check with every prospective company how you can save money. Savings might not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions might point out if your situation will benefit from professional help.

  • Is pleasure use cheaper than using my 2010 Ford Escape to commute?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when using my vehicle for business?
  • What is UM/UIM insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Free Auto Insurance Comparison

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

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Coverage specifics

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Escape.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, fire damage, theft and a broken windshield. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as medical services, bail bonds, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses such as funeral costs, dental work, ambulance fees and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Be a smart shopper

The cheapest 2010 Ford Escape insurance is available online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

People switch companies for any number of reasons including high rates after DUI convictions, questionable increases in premium, delays in paying claims or even policy cancellation. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

We covered a lot of tips how to save on insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the most savings is with a small local company.

For more information, link through to the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2010 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,503
Los Angeles, CA $1,626
Philadelphia, PA $1,268
Jacksonville, FL $1,378
Phoenix, AZ $1,106
Chicago, IL $1,278
Houston, TX $1,490
Seattle, WA $925
Columbus, OH $794
Indianapolis, IN $811

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $3,732
20 $2,168
30 $974
40 $952
50 $872
60 $856

Full coverage, $500 deductibles

Rates by Deductible

2010 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,132
$250 $1,048
$500 $952
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $952
50/100 $1,032
100/300 $1,133
250/500 $1,394
100 CSL $1,073
300 CSL $1,294
500 CSL $1,455

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $5,278
20 $3,452
30 $2,068
40 $2,044
50 $1,950
60 $1,932

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 $128

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $51
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $60
Paid in Full/EFT $36
Advance Quote $43
Online Quote $65
Total Discounts $380
Rate after discounts $572

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

Find companies with the cheapest rates in your area

2010 Ford Escape Insurance Rates by State
State Premium
Alabama $860
Alaska $730
Arizona $790
Arkansas $952
California $1,084
Colorado $908
Connecticut $976
Delaware $1,074
Florida $1,188
Georgia $880
Hawaii $682
Idaho $646
Illinois $710
Indiana $718
Iowa $640
Kansas $904
Kentucky $1,296
Louisiana $1,408
Maine $586
Maryland $786
Massachusetts $758
Michigan $1,650
Minnesota $798
Mississippi $1,138
Missouri $844
Montana $1,022
Nebraska $748
Nevada $1,142
New Hampshire $686
New Jersey $1,064
New Mexico $840
New York $1,002
North Carolina $548
North Dakota $780
Ohio $656
Oklahoma $974
Oregon $872
Pennsylvania $906
Rhode Island $1,268
South Carolina $864
South Dakota $802
Tennessee $832
Texas $1,146
Utah $704
Vermont $648
Virginia $570
Washington $734
West Virginia $872
Wisconsin $656
Wyoming $846

Free Auto Insurance Comparison

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