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Ford Escape Limited 4WD Insurance Rates

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Estimated insurance prices for a Ford Escape Limited 4WD are $1,220 every 12 months with full coverage. Comprehensive costs an estimated $298 a year, collision costs $476, and liability costs $310. A policy with only liability insurance costs as little as $370 a year, with a high-risk policy costing around $2,612. Teen drivers pay the most at $4,410 a year or more.

Annual premium for full coverage: $1,220

Premium estimates broken down by individual coverage type:

Comprehensive $298
Collision $476
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Escape Trim Level

Using a 40-year-old driver as an example, insurance rates for a Ford Escape Limited 4WD go from the cheapest price of $370 for basic liability insurance to a high of $2,612 for a policy for a high-risk driver.

Liability Only $370
Full Coverage $1,220
High Risk $2,612

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

These rate differences demonstrate why it is important for drivers to compare rates for a targeted area and their own driving history, instead of 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.

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Car insurance rates for a Ford Escape Limited 4WD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year.

Choosing high deductibles could save up to $520 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 128% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford Escape Limited 4WD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so rate quotes will be substantially different.

View Chart as Image

Ford Escape Limited 4WD insurance cost comparison chart
Column chart showing Ford Escape Limited 4WD insurance prices range from $707 to $4,410 for full coverage

The chart above shows Ford Escape Limited 4WD insurance rates for different coverage choices and risks. The best rate after discounts is $707. Drivers who choose higher $1,000 deductibles will pay $1,046. The average rate for a driver around age 40 using $500 deductibles is $1,220. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,562. High risk drivers could be charged up to $2,612. The cost for full coverage insurance for a teenage driver is $4,410.

Ford Escape Limited 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,102 -$118 -9.7%
Alaska $936 -$284 -23.3%
Arizona $1,012 -$208 -17.0%
Arkansas $1,220 -$0 0.0%
California $1,390 $170 13.9%
Colorado $1,166 -$54 -4.4%
Connecticut $1,252 $32 2.6%
Delaware $1,380 $160 13.1%
Florida $1,524 $304 24.9%
Georgia $1,128 -$92 -7.5%
Hawaii $876 -$344 -28.2%
Idaho $826 -$394 -32.3%
Illinois $908 -$312 -25.6%
Indiana $920 -$300 -24.6%
Iowa $822 -$398 -32.6%
Kansas $1,158 -$62 -5.1%
Kentucky $1,664 $444 36.4%
Louisiana $1,806 $586 48.0%
Maine $752 -$468 -38.4%
Maryland $1,006 -$214 -17.5%
Massachusetts $970 -$250 -20.5%
Michigan $2,116 $896 73.4%
Minnesota $1,022 -$198 -16.2%
Mississippi $1,460 $240 19.7%
Missouri $1,084 -$136 -11.1%
Montana $1,310 $90 7.4%
Nebraska $962 -$258 -21.1%
Nevada $1,462 $242 19.8%
New Hampshire $880 -$340 -27.9%
New Jersey $1,364 $144 11.8%
New Mexico $1,078 -$142 -11.6%
New York $1,284 $64 5.2%
North Carolina $702 -$518 -42.5%
North Dakota $998 -$222 -18.2%
Ohio $840 -$380 -31.1%
Oklahoma $1,252 $32 2.6%
Oregon $1,118 -$102 -8.4%
Pennsylvania $1,160 -$60 -4.9%
Rhode Island $1,626 $406 33.3%
South Carolina $1,106 -$114 -9.3%
South Dakota $1,028 -$192 -15.7%
Tennessee $1,068 -$152 -12.5%
Texas $1,470 $250 20.5%
Utah $902 -$318 -26.1%
Vermont $834 -$386 -31.6%
Virginia $732 -$488 -40.0%
Washington $940 -$280 -23.0%
West Virginia $1,120 -$100 -8.2%
Wisconsin $842 -$378 -31.0%
Wyoming $1,086 -$134 -11.0%

View Chart as Image

Ford Escape Limited 4WD insurance rates by U.S. city

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Rates by Driver Age

Ford Escape Limited 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,410
20 $2,780
30 $1,278
40 $1,220
50 $1,112
60 $1,090

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape Limited 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,562
$250 $1,406
$500 $1,220
$1,000 $1,046

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Limited 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,220
50/100 $1,282
100/300 $1,360
250/500 $1,561
100 CSL $1,313
300 CSL $1,484
500 CSL $1,608

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape Limited 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,300
20 $4,406
30 $2,678
40 $2,612
50 $2,488
60 $2,462

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 $165

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $89
5-yr Claim Free $78
Paid in Full/EFT $56
Advance Quote $60
Online Quote $87
Total Discounts $513
Rate after discounts $707

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

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