Ford Escape XLS 4WD Insurance Rates
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U.S. average auto insurance rates for a Ford Escape XLS 4WD are $1,130 annually with full coverage. Comprehensive costs around $270 a year, collision insurance costs $414, and liability costs around $310. Liability-only insurance costs as low as $370 a year, and high-risk driver insurance costs around $2,410. Teenage drivers pay the highest rates at up to $4,122 a year.
Annual premium for full coverage: $1,130
Price estimates for individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Ford Escape Trim Level
For a driver around age 40, Ford Escape XLS 4WD insurance prices range from as cheap as $370 for your basic liability-only policy to a high of $2,410 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These price ranges demonstrate why it is important for drivers to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based 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 Ford Escape XLS 4WD Insurance
Car insurance rates for a Ford Escape XLS 4WD are also quite variable based on the actual cash value of your Escape, your driving record, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $460 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $279 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Ford Escape XLS 4WD insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
Since prices can be so different, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.
The chart above shows Ford Escape XLS 4WD insurance prices for various situations. The cheapest discount price is $661. Drivers who use higher $1,000 deductibles will pay about $974. The average price for a driver age 40 with no violations using $500 deductibles is $1,130. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,430. Drivers with multiple violations and accidents could be charged at least $2,410. The cost for full coverage insurance for a 16-year-old driver can be as high as $4,122.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$81|
|5-yr Claim Free||$71|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.
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