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2018 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 2018 Ford Escape are $1,146 a year with full coverage. Comprehensive costs on average $248, collision costs $408, and liability insurance costs around $354. Buying a liability-only policy costs as low as $406 a year, with high-risk insurance costing around $2,466. Teen drivers receive the highest rates at $4,274 a year or more.

Annual premium for full coverage: $1,146

Rate estimates for 2018 Ford Escape Insurance

Comprehensive $248
Collision $408
Liability $354

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 middle-aged driver, prices range go from as low as $406 for just liability coverage to a much higher rate of $2,466 for a high risk driver.

Liability Only $406
Full Coverage $1,146
High Risk $2,466

View Chart as Image

2018 Ford Escape insurance rates compared
Column chart showing 2018 Ford Escape insurance prices range from $667 to $4,274 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying 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 2018 Ford Escape Insurance

Searching Companies

Looking for lower insurance rates for your Ford Escape? When looking for cheaper insurance, are you overwhelmed by the crazy number of insurance sources in your area? There are so many choices that it can turn into hard work to find lower prices.

Consumers need to quote other rates occasionally because insurance rates are adjusted regularly by insurance companies. Just because you had the best deal on Escape coverage two years ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn the proper way to find the best coverage while lowering your premiums.

Affordable car insurance

All the larger car insurance companies such as Progressive, Allstate and GEICO provide insurance quotes on their websites. Getting quotes is pretty easy because it’s just a matter of typing in the coverages you want into a form. After you submit the form the company’s rating system pulls your driving and credit reports and returns a price quote based on these and other factors.

Being able to quote online makes comparing rates easy, but the time it takes to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s necessary to have as many quotes as possible if you are searching for lower prices.

The quickest way to lower your car insurance bill is to use a quote form that gets price quotes from many companies. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping a lot less work. After your information is entered, it is quoted and you are able to buy any of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

In order to get comparison pricing now, click here and complete the simple form. If you have a policy now, it’s recommended you enter the coverages identical to your current policy. Doing this guarantees you will have a fair comparison for similar insurance coverage.

Drivers save money with with these discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts that you may not know about. Many discounts should be triggered at the time of purchase, but some must be asked for in order for you to get them. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • Discount for New Cars – Insuring a new car may earn a small discount due to better safety requirements for newer vehicles.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Cautious Drivers – Safe drivers could pay up to 40% less on Escape coverage than drivers with accidents.
  • Good Grades Discount – Being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
  • College Student Discount – Kids who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
  • Life Insurance Discount – Not all insurance coverage companies offer life insurance, but some may give you a lower insurance coverage rate if you buy some life insurance in addition to your auto policy.
  • Online Discount – Certain insurance coverage companies will give you a small discount for buying a policy and signing up on your computer.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will reduce the cost of your policy.

Some companies that may offer quotes with most of these discounts include:

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

It’s a good idea to ask each company to apply every possible discount. Some of the discounts discussed earlier might not be available to policyholders in every state. If you would like to view insurers with the best discounts, click this link.

Free Auto Insurance Comparison

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

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Your situation helps dictate your coverage

When choosing coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover if you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I break a side mirror?
  • Can my babysitter drive my car?
  • Am I covered when driving in Canada or Mexico?
  • Do I need special endorsements for business use of my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I missing any policy discounts?
  • Is my teen driver covered when they drive my company car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I pay claims out-of-pocket if I buy high deductibles?

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 agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverages and their meanings

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverages – Collision coverage will pay to fix damage to your Escape resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, fire damage, vandalism, damage from a tornado or hurricane and damage from getting keyed. The highest amount your auto 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.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, hospital visits, EMT expenses, chiropractic care and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for liability – Liability insurance can cover damage that occurs to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like bail bonds, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Final thoughts

Some auto insurance companies do not provide internet price quotes and most of the time these small, regional companies only sell through local independent agents. Affordable 2018 Ford Escape insurance is definitely available on the web and from local insurance agents, and you need to price shop both to have the best selection.

We just presented a lot of tips how to save on 2018 Ford Escape insurance. The key concept to understand is the more you quote auto insurance, the higher your chance of finding cheap auto insurance. Drivers may discover the lowest premium rates come from a small local company.

Drivers who switch companies do it for many reasons like policy cancellation, delays in paying claims, lack of trust in their agent or delays in responding to claim requests. It doesn’t matter what your reason, switching companies is actually quite simple.

For more information, feel free to visit the articles below:

Use our FREE quote tool to compare insurance rates now!

Rates by U.S. City

2018 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,806
Los Angeles, CA $1,956
Philadelphia, PA $1,526
Jacksonville, FL $1,659
Phoenix, AZ $1,330
Chicago, IL $1,534
Houston, TX $1,791
Seattle, WA $1,114
Columbus, OH $956
Indianapolis, IN $974

Need a specific model?

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Rates by Driver Age

2018 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $4,274
20 $2,624
30 $1,192
40 $1,146
50 $1,046
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

2018 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,434
$250 $1,300
$500 $1,146
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,146
50/100 $1,217
100/300 $1,305
250/500 $1,535
100 CSL $1,252
300 CSL $1,447
500 CSL $1,589

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $6,090
20 $4,170
30 $2,516
40 $2,466
50 $2,348
60 $2,326

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 $157

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $59
Homeowner $17
5-yr Accident Free $82
5-yr Claim Free $73
Paid in Full/EFT $51
Advance Quote $55
Online Quote $81
Total Discounts $479
Rate after discounts $667

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

Find companies with the cheapest rates in your area

2018 Ford Escape Insurance Rates by State
State Premium
Alabama $1,034
Alaska $878
Arizona $950
Arkansas $1,146
California $1,304
Colorado $1,092
Connecticut $1,174
Delaware $1,294
Florida $1,430
Georgia $1,056
Hawaii $822
Idaho $776
Illinois $852
Indiana $862
Iowa $772
Kansas $1,088
Kentucky $1,560
Louisiana $1,696
Maine $706
Maryland $944
Massachusetts $912
Michigan $1,986
Minnesota $960
Mississippi $1,370
Missouri $1,016
Montana $1,228
Nebraska $902
Nevada $1,372
New Hampshire $824
New Jersey $1,280
New Mexico $1,014
New York $1,204
North Carolina $658
North Dakota $938
Ohio $790
Oklahoma $1,172
Oregon $1,050
Pennsylvania $1,090
Rhode Island $1,526
South Carolina $1,038
South Dakota $966
Tennessee $1,000
Texas $1,378
Utah $848
Vermont $782
Virginia $684
Washington $884
West Virginia $1,050
Wisconsin $790
Wyoming $1,016

Free Auto Insurance Comparison

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

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