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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:

Comprehensive $284
Collision $446
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 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.

Liability Only $370
Full Coverage $1,176
High Risk $2,512

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.

Rural Areas $882
Small Cities $1,235
Large Cities $1,588

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.

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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.

View Chart as Image

Ford Escape XLT 4WD insurance cost comparison chart
Column chart showing Ford Escape XLT 4WD insurance prices range from $684 to $4,266 for full coverage

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.

Ford Escape XLT 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$114 -9.7%
Alaska $900 -$276 -23.5%
Arizona $974 -$202 -17.2%
Arkansas $1,176 -$0 0.0%
California $1,338 $162 13.8%
Colorado $1,120 -$56 -4.8%
Connecticut $1,206 $30 2.6%
Delaware $1,328 $152 12.9%
Florida $1,466 $290 24.7%
Georgia $1,088 -$88 -7.5%
Hawaii $844 -$332 -28.2%
Idaho $796 -$380 -32.3%
Illinois $874 -$302 -25.7%
Indiana $884 -$292 -24.8%
Iowa $790 -$386 -32.8%
Kansas $1,114 -$62 -5.3%
Kentucky $1,602 $426 36.2%
Louisiana $1,738 $562 47.8%
Maine $724 -$452 -38.4%
Maryland $970 -$206 -17.5%
Massachusetts $936 -$240 -20.4%
Michigan $2,036 $860 73.1%
Minnesota $982 -$194 -16.5%
Mississippi $1,408 $232 19.7%
Missouri $1,042 -$134 -11.4%
Montana $1,260 $84 7.1%
Nebraska $924 -$252 -21.4%
Nevada $1,408 $232 19.7%
New Hampshire $846 -$330 -28.1%
New Jersey $1,314 $138 11.7%
New Mexico $1,038 -$138 -11.7%
New York $1,236 $60 5.1%
North Carolina $676 -$500 -42.5%
North Dakota $962 -$214 -18.2%
Ohio $810 -$366 -31.1%
Oklahoma $1,204 $28 2.4%
Oregon $1,078 -$98 -8.3%
Pennsylvania $1,118 -$58 -4.9%
Rhode Island $1,566 $390 33.2%
South Carolina $1,066 -$110 -9.4%
South Dakota $990 -$186 -15.8%
Tennessee $1,028 -$148 -12.6%
Texas $1,416 $240 20.4%
Utah $868 -$308 -26.2%
Vermont $802 -$374 -31.8%
Virginia $702 -$474 -40.3%
Washington $906 -$270 -23.0%
West Virginia $1,078 -$98 -8.3%
Wisconsin $812 -$364 -31.0%
Wyoming $1,046 -$130 -11.1%

View Chart as Image

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

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Rates by Driver Age

Ford Escape XLT 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,266
20 $2,672
30 $1,230
40 $1,176
50 $1,072
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape XLT 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,494
$250 $1,348
$500 $1,176
$1,000 $1,010

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape XLT 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,176
50/100 $1,238
100/300 $1,316
250/500 $1,517
100 CSL $1,269
300 CSL $1,440
500 CSL $1,564

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape XLT 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,084
20 $4,236
30 $2,572
40 $2,512
50 $2,392
60 $2,370

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $59
Homeowner $17
5-yr Accident Free $85
5-yr Claim Free $75
Paid in Full/EFT $54
Advance Quote $57
Online Quote $83
Total Discounts $492
Rate after discounts $684

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

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