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2016 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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2016 Ford Escape are $1,116 a year for full coverage insurance. Comprehensive costs approximately $226, collision insurance costs $378, and liability costs around $376. Buying a liability-only policy costs as low as $426 a year, and high-risk insurance costs around $2,408. Teen drivers receive the highest rates at up to $4,230 a year.

Annual premium for full coverage: $1,116

Rate estimates for 2016 Ford Escape Insurance

Comprehensive $226
Collision $378
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 $426 for only liability insurance to a much higher rate of $2,408 for a driver that may need high-risk insurance.

Liability Only $426
Full Coverage $1,116
High Risk $2,408

View Chart as Image

2016 Ford Escape insurance rates compared
Column chart showing 2016 Ford Escape insurance prices range from $651 to $4,230 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on 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 2016 Ford Escape Insurance

Searching Companies

Are you confused by the sheer number of car insurance choices? Many other consumers are too. There are so many choices that it can turn into a real challenge to find the perfect company for you.

You probably qualify for some discounts

Companies offering auto insurance don’t always advertise all their discounts very well, so we break down both well-publicized and the harder-to-find discounts you could be receiving.

  • One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Sign Online – A few companies give back up to $50 for buying a policy and signing up online.
  • Distant Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Escape insurance depending on your company.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Insurance companies that possibly offer these benefits are:

  • State Farm
  • GEICO
  • Progressive
  • 21st Century
  • American Family
  • The Hartford
  • AAA

Double check with all companies you are considering what discounts are available to you. Discounts may not be available everywhere.

The quickest method to compare policy rates is to understand all the major auto insurance companies actually pay money for the chance to provide you with a free rate quote. All you need to do is give the companies some data such as an estimate of your credit level, distance driven, which vehicles you own, and if it has an alarm system. That information is instantly submitted to multiple different insurance companies and you receive quotes instantly.

Factors that might impact rates for a Ford Escape

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that can help you get big savings.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Always keep insurance in force – Letting your insurance expire is a sure-fire way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • Pleasure use or commuting – The higher the mileage driven each year the more you will pay for car insurance. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than those used for commuting. Having the wrong rating on your Escape may be wasting your money. Double check that your car insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • High numbers of claims are not good – If you tend to file frequent claims, you can pretty much guarantee higher rates. Insurance companies generally give better rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Extra add-on coverages are wasting money – There are quite a few additional coverages that you can buy when buying car insurance. Things like personal injury protection, towing coverage and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so remove them from your policy.

There’s no such thing as the perfect policy

When buying coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Does my car insurance cover rental cars?
  • When should I not file a claim?
  • What is the minimum liability in my state?
  • What if I total my 2016 Ford Escape and owe more than it’s worth?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I afford to pay high deductible claims out of pocket?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Free Auto Insurance Comparison

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

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Save 15 percent in 15 minutes? Is it for real?

State Farm, Allstate and GEICO consistently run ads in print and on television. All the companies have a common claim of big savings if you change your policy. How can each company make almost identical claims?

Different companies have a certain “appetite” for the type of customer that makes them money. A good example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and has excellent credit. Any new insured who meets those qualifications is entitled to the best price and most likely will save when they switch companies.

Consumers who don’t meet these standards will be charged a higher premium which leads to the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that much money. That is how insurance companies can confidently state the savings. That is why you absolutely need to get as many comparisons as possible. Because you never know which insurance company will provide you with the cheapest Ford Escape insurance rates.

Learn about car insurance coverages for a 2016 Ford Escape

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

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. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as structural damage, medical services, repair costs for stationary objects, attorney fees and funeral expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

This coverage will pay to fix damage to your Escape resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, hitting a bird, damage from flooding, hail damage and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like EMT expenses, pain medications and hospital visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Quote more. Save more.

Low-cost 2016 Ford Escape insurance is definitely available online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and these small, regional companies work with independent agents.

Insureds leave their current company for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, an unsatisfactory settlement offer or even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

We just showed you a lot of techniques to compare insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a small local company.

Much more information about auto insurance is located below:

  • Teen Driving and Texting (State Farm)
  • Who Has Affordable Phoenix Auto Insurance for a Ford Escape? (QuotePhoenix.com)
  • Auto Crash Statistics (Insurance Information Insitute)
  • Prepare your Teens for Safe Driving (InsureUonline.org)
  • What is Full Coverage? (Allstate)
  • Teen Driving Statistics (iihs.org)
  • Five Mistakes to Avoid (Insurance Information Insitute)

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,758
Los Angeles, CA $1,905
Philadelphia, PA $1,487
Jacksonville, FL $1,615
Phoenix, AZ $1,294
Chicago, IL $1,494
Houston, TX $1,745
Seattle, WA $1,084
Columbus, OH $929
Indianapolis, IN $949

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $4,230
20 $2,560
30 $1,156
40 $1,116
50 $1,020
60 $1,002

Full coverage, $500 deductibles

Rates by Deductible

2016 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,380
$250 $1,258
$500 $1,116
$1,000 $978

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,116
50/100 $1,191
100/300 $1,285
250/500 $1,530
100 CSL $1,229
300 CSL $1,436
500 CSL $1,586

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $6,016
20 $4,074
30 $2,450
40 $2,408
50 $2,296
60 $2,274

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $59
Homeowner $17
5-yr Accident Free $78
5-yr Claim Free $72
Paid in Full/EFT $48
Advance Quote $54
Online Quote $78
Total Discounts $465
Rate after discounts $651

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

Find companies with the cheapest rates in your area

2016 Ford Escape Insurance Rates by State
State Premium
Alabama $1,006
Alaska $856
Arizona $924
Arkansas $1,116
California $1,270
Colorado $1,064
Connecticut $1,144
Delaware $1,260
Florida $1,392
Georgia $1,030
Hawaii $800
Idaho $756
Illinois $830
Indiana $840
Iowa $750
Kansas $1,058
Kentucky $1,518
Louisiana $1,648
Maine $688
Maryland $920
Massachusetts $888
Michigan $1,934
Minnesota $934
Mississippi $1,334
Missouri $988
Montana $1,198
Nebraska $878
Nevada $1,336
New Hampshire $804
New Jersey $1,246
New Mexico $986
New York $1,172
North Carolina $642
North Dakota $914
Ohio $768
Oklahoma $1,142
Oregon $1,022
Pennsylvania $1,062
Rhode Island $1,486
South Carolina $1,010
South Dakota $940
Tennessee $976
Texas $1,342
Utah $826
Vermont $760
Virginia $668
Washington $860
West Virginia $1,022
Wisconsin $768
Wyoming $992

Free Auto Insurance Comparison

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

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