Ford Escape XLT 4WD Insurance Rates
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U.S. average insurance rates for a Ford Escape XLT 4WD are $1,176 a year for full coverage insurance. Comprehensive costs approximately $284 each year, collision insurance costs $446, and liability costs $310. Liability-only insurance costs as little as $370 a year, and high-risk driver insurance costs around $2,512. Teenage drivers pay the highest rates at up to $4,266 a year.
Annual premium for full coverage: $1,176
Price estimates by individual coverage:
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 in their 40's, Ford Escape XLT 4WD insurance prices range from the low end price of $370 for your basic liability-only policy to a high rate of $2,512 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These price ranges illustrate why all drivers should compare rates using their specific location, instead of using 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 XLT 4WD Insurance
Car insurance rates for a Ford Escape XLT 4WD are also quite variable based on the actual cash value of your Escape, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,200 a year. View Rates by Age
The state you live in makes a big difference in Ford Escape XLT 4WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.
Using high physical damage deductibles could save up to $490 every year, whereas increasing liability limits will push prices upward. Switching 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 only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes may be quite different.
The chart estimates Ford Escape XLT 4WD insurance prices for various risks and coverage choices. The best price after discounts is $684. Drivers who use higher $1,000 deductibles will pay $1,010. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,176. Using lower $100 deductibles for physical damage coverage can cost as much as $1,494. Drivers with multiple violations and accidents could be charged at least $2,512. The policy rate for full coverage insurance for a teenager is $4,266.
|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||$85|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.
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