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Ford Escape XLT 2WD Insurance Rates

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U.S. average insurance rates for a Ford Escape XLT 2WD are $1,130 a year including full coverage. Comprehensive costs an estimated $270 each year, collision insurance costs $414, and liability insurance costs around $310. Liability-only insurance costs as low as $370 a year, and high-risk driver insurance costs around $2,410. Teen drivers pay the highest rates at up to $4,122 a year.

Annual premium for full coverage: $1,130

Price estimates broken down by individual coverage:

Comprehensive $270
Collision $414
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, Ford Escape XLT 2WD insurance prices range from the low end price of $370 for just liability insurance to a high rate of $2,410 for a driver required to buy high-risk insurance.

Liability Only $370
Full Coverage $1,130
High Risk $2,410

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $848
Small Cities $1,187
Large Cities $1,526

These price ranges highlight why all drivers should compare prices for a targeted area, 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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Car insurance rates for a Ford Escape XLT 2WD are also quite variable based on the actual cash value of your Escape, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 129% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,100 a year. View Rates by Age

The state you live in has a huge impact on Ford Escape XLT 2WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $460 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection 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

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

View Chart as Image

Ford Escape XLT 2WD insurance cost comparison chart
Column chart showing Ford Escape XLT 2WD insurance prices range from $661 to $4,122 for full coverage

The chart above shows average Ford Escape XLT 2WD insurance prices for various risks and coverage choices. The lowest price with discounts is $661. Drivers who choose higher $1,000 deductibles will pay $974. The average price for a driver around age 40 using $500 deductibles is $1,130. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,430. High risk drivers could be charged at least $2,410. The policy rate for full coverage insurance for a teenage driver can be as high as $4,122.

Ford Escape XLT 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,020 -$110 -9.7%
Alaska $864 -$266 -23.5%
Arizona $936 -$194 -17.2%
Arkansas $1,130 -$0 0.0%
California $1,286 $156 13.8%
Colorado $1,076 -$54 -4.8%
Connecticut $1,158 $28 2.5%
Delaware $1,276 $146 12.9%
Florida $1,408 $278 24.6%
Georgia $1,044 -$86 -7.6%
Hawaii $810 -$320 -28.3%
Idaho $766 -$364 -32.2%
Illinois $840 -$290 -25.7%
Indiana $850 -$280 -24.8%
Iowa $762 -$368 -32.6%
Kansas $1,072 -$58 -5.1%
Kentucky $1,540 $410 36.3%
Louisiana $1,672 $542 48.0%
Maine $696 -$434 -38.4%
Maryland $932 -$198 -17.5%
Massachusetts $898 -$232 -20.5%
Michigan $1,958 $828 73.3%
Minnesota $944 -$186 -16.5%
Mississippi $1,352 $222 19.6%
Missouri $1,000 -$130 -11.5%
Montana $1,212 $82 7.3%
Nebraska $890 -$240 -21.2%
Nevada $1,352 $222 19.6%
New Hampshire $814 -$316 -28.0%
New Jersey $1,262 $132 11.7%
New Mexico $998 -$132 -11.7%
New York $1,190 $60 5.3%
North Carolina $650 -$480 -42.5%
North Dakota $924 -$206 -18.2%
Ohio $778 -$352 -31.2%
Oklahoma $1,158 $28 2.5%
Oregon $1,034 -$96 -8.5%
Pennsylvania $1,074 -$56 -5.0%
Rhode Island $1,506 $376 33.3%
South Carolina $1,024 -$106 -9.4%
South Dakota $950 -$180 -15.9%
Tennessee $988 -$142 -12.6%
Texas $1,360 $230 20.4%
Utah $834 -$296 -26.2%
Vermont $772 -$358 -31.7%
Virginia $676 -$454 -40.2%
Washington $872 -$258 -22.8%
West Virginia $1,036 -$94 -8.3%
Wisconsin $780 -$350 -31.0%
Wyoming $1,006 -$124 -11.0%

View Chart as Image

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

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Rates by Driver Age

Ford Escape XLT 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,122
20 $2,564
30 $1,180
40 $1,130
50 $1,030
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape XLT 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,430
$250 $1,292
$500 $1,130
$1,000 $974

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape XLT 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,130
50/100 $1,192
100/300 $1,270
250/500 $1,471
100 CSL $1,223
300 CSL $1,394
500 CSL $1,518

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape XLT 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $5,872
20 $4,064
30 $2,468
40 $2,410
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 $151

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $56
Homeowner $16
5-yr Accident Free $81
5-yr Claim Free $71
Paid in Full/EFT $51
Advance Quote $54
Online Quote $80
Total Discounts $469
Rate after discounts $661

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

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