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Ford Escape XLS 2WD Insurance Rates

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Average auto insurance rates for a Ford Escape XLS 2WD are $1,086 annually for full coverage. Comprehensive costs an estimated $258 each year, collision insurance costs $382, and liability insurance costs $310. Only liability insurance costs as little as $370 a year, and high-risk insurance costs around $2,310. Teen drivers receive the highest rates at up to $3,976 a year.

Annual premium for full coverage: $1,086

Rate estimates broken down by individual coverage:

Comprehensive $258
Collision $382
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

For an average driver, prices range from as cheap as $370 for the bare minimum liability coverage to a high rate of $2,310 for a driver required to buy high-risk insurance.

Liability Only $370
Full Coverage $1,086
High Risk $2,310

Price Range by Location

Your location has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

These differences show why all drivers should compare rates for a targeted area and their own personal driving habits, 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.

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Insurance rates for a Ford Escape XLS 2WD can also vary considerably based on the model year of your Escape, your driver profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,000 per year on average for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,300 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $430 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $279 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Ford Escape XLS 2WD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different between companies.

View Chart as Image

Ford Escape XLS 2WD insurance cost comparison chart
Column chart showing Ford Escape XLS 2WD insurance prices range from $640 to $3,976 for full coverage

Chart shows Ford Escape XLS 2WD insurance prices for various situations. The lowest price with discounts is $640. Drivers who choose higher $1,000 deductibles will pay about $940. The average price for a driver around age 40 using $500 deductibles is $1,086. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,362. High risk drivers could be charged as much as $2,310. The policy rate for full coverage insurance for a teenage driver is $3,976.

Ford Escape XLS 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $978 -$108 -9.9%
Alaska $830 -$256 -23.6%
Arizona $898 -$188 -17.3%
Arkansas $1,086 -$0 0.0%
California $1,234 $148 13.6%
Colorado $1,034 -$52 -4.8%
Connecticut $1,112 $26 2.4%
Delaware $1,224 $138 12.7%
Florida $1,354 $268 24.7%
Georgia $1,002 -$84 -7.7%
Hawaii $778 -$308 -28.4%
Idaho $734 -$352 -32.4%
Illinois $806 -$280 -25.8%
Indiana $816 -$270 -24.9%
Iowa $730 -$356 -32.8%
Kansas $1,028 -$58 -5.3%
Kentucky $1,476 $390 35.9%
Louisiana $1,604 $518 47.7%
Maine $668 -$418 -38.5%
Maryland $892 -$194 -17.9%
Massachusetts $864 -$222 -20.4%
Michigan $1,878 $792 72.9%
Minnesota $908 -$178 -16.4%
Mississippi $1,298 $212 19.5%
Missouri $960 -$126 -11.6%
Montana $1,162 $76 7.0%
Nebraska $852 -$234 -21.5%
Nevada $1,298 $212 19.5%
New Hampshire $782 -$304 -28.0%
New Jersey $1,212 $126 11.6%
New Mexico $958 -$128 -11.8%
New York $1,140 $54 5.0%
North Carolina $624 -$462 -42.5%
North Dakota $886 -$200 -18.4%
Ohio $748 -$338 -31.1%
Oklahoma $1,112 $26 2.4%
Oregon $994 -$92 -8.5%
Pennsylvania $1,032 -$54 -5.0%
Rhode Island $1,444 $358 33.0%
South Carolina $982 -$104 -9.6%
South Dakota $912 -$174 -16.0%
Tennessee $946 -$140 -12.9%
Texas $1,306 $220 20.3%
Utah $800 -$286 -26.3%
Vermont $740 -$346 -31.9%
Virginia $648 -$438 -40.3%
Washington $834 -$252 -23.2%
West Virginia $994 -$92 -8.5%
Wisconsin $748 -$338 -31.1%
Wyoming $964 -$122 -11.2%

View Chart as Image

Ford Escape XLS 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford Escape XLS 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $3,976
20 $2,458
30 $1,128
40 $1,086
50 $988
60 $970

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape XLS 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,362
$250 $1,236
$500 $1,086
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape XLS 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,086
50/100 $1,148
100/300 $1,226
250/500 $1,427
100 CSL $1,179
300 CSL $1,350
500 CSL $1,474

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape XLS 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $5,658
20 $3,894
30 $2,362
40 $2,310
50 $2,202
60 $2,180

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $54
Homeowner $16
5-yr Accident Free $76
5-yr Claim Free $68
Paid in Full/EFT $48
Advance Quote $51
Online Quote $76
Total Discounts $446
Rate after discounts $640

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

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