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2012 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 2012 Ford Escape are $986 a year for full coverage. Comprehensive insurance costs on average $188, collision insurance costs $272, and liability insurance costs $390. Buying a liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,118 or more. Teenage drivers receive the highest rates at up to $3,830 a year.

Annual premium for full coverage: $986

Rate estimates for 2012 Ford Escape Insurance

Comprehensive $188
Collision $272
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 range from as low as $438 for the bare minimum liability coverage to a much higher rate of $2,118 for high-risk insurance.

Liability Only $438
Full Coverage $986
High Risk $2,118

View Chart as Image

2012 Ford Escape insurance rates compared
Column chart showing 2012 Ford Escape insurance prices range from $589 to $3,830 for full coverage

These differences show why anyone shopping for car insurance should compare rates based on a specific location 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 2012 Ford Escape Insurance

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Expensive car insurance can overdraw your bank account and make it hard to pay other bills. Comparison shopping is a smart way to slash your bill and have more diposable income. Since consumers have many insurance providers from which to choose, it’s nearly impossible to pick the most affordable insurance company.

It is always a good idea to compare rates quite often due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best deal for Escape insurance two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

Buying more affordable coverage is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can learn to find better prices while maximizing coverage. Drivers just need to know the best way to compare company rates over the internet.

Pay less by taking advantage of these seven discounts

Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you purchase, but a few need to be requested specifically prior to getting the savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Escape insurance.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
  • E-sign – Certain companies will give a small break for buying a policy and signing up over the internet.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

To see a list of providers who offer car insurance discounts, follow this link.

Your coverage should be tailored to you

When it comes to choosing the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you might need an agent’s assistance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is pleasure use cheaper than using my 2012 Ford Escape to commute?
  • Is my cargo covered for damage or theft?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does insurance cover damages from a DUI accident?
  • Do I need higher collision deductibles?
  • What can I do if my company denied a claim?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes 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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Car insurance coverages for a Ford Escape

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

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

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

Collision coverage pays for damage to your Escape resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, rolling your car, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, repair bills for other people’s vehicles, medical expenses, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like X-ray expenses, surgery, prosthetic devices and pain medications. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Do the work, save more money

Lower-priced 2012 Ford Escape insurance is definitely available from both online companies as well as from independent agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

You just read many tips how you can reduce insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the lowest premiums are with the least-expected company. They may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Additional car insurance information can be found at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,554
Los Angeles, CA $1,686
Philadelphia, PA $1,313
Jacksonville, FL $1,427
Phoenix, AZ $1,145
Chicago, IL $1,321
Houston, TX $1,544
Seattle, WA $958
Columbus, OH $823
Indianapolis, IN $836

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $3,830
20 $2,250
30 $1,014
40 $986
50 $904
60 $886

Full coverage, $500 deductibles

Rates by Deductible

2012 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,184
$250 $1,092
$500 $986
$1,000 $880

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $986
50/100 $1,064
100/300 $1,162
250/500 $1,415
100 CSL $1,103
300 CSL $1,318
500 CSL $1,474

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $5,422
20 $3,582
30 $2,150
40 $2,118
50 $2,022
60 $2,002

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 $133

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $52
Homeowner $16
5-yr Accident Free $64
5-yr Claim Free $62
Paid in Full/EFT $39
Advance Quote $45
Online Quote $68
Total Discounts $397
Rate after discounts $589

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

Find companies with the cheapest rates in your area

2012 Ford Escape Insurance Rates by State
State Premium
Alabama $890
Alaska $756
Arizona $818
Arkansas $986
California $1,124
Colorado $940
Connecticut $1,012
Delaware $1,114
Florida $1,230
Georgia $910
Hawaii $708
Idaho $666
Illinois $734
Indiana $740
Iowa $664
Kansas $936
Kentucky $1,344
Louisiana $1,456
Maine $610
Maryland $812
Massachusetts $786
Michigan $1,708
Minnesota $826
Mississippi $1,180
Missouri $876
Montana $1,056
Nebraska $776
Nevada $1,180
New Hampshire $710
New Jersey $1,100
New Mexico $870
New York $1,036
North Carolina $568
North Dakota $808
Ohio $680
Oklahoma $1,010
Oregon $904
Pennsylvania $938
Rhode Island $1,314
South Carolina $894
South Dakota $832
Tennessee $862
Texas $1,188
Utah $730
Vermont $674
Virginia $588
Washington $760
West Virginia $904
Wisconsin $680
Wyoming $876

Free Auto Insurance Comparison

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