Ford Ecosport Insurance Rates
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UPDATED: Apr 1, 2024
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Are you searching for the best Ford EcoSport insurance price? Ford EcoSport insurance premiums cost an average of $1,310 a year, or $109 a month. Our guide breaks down these rates further, so drivers can discover the best ways to save on vehicles like the Ford EcoSport. Read on.
Want to start shopping for Ford EcoSport insurance rates so you can find the best price before your next Ford EcoSport insurance renewal? Enter your ZIP code in our free tool above.
The average insurance rates for a Ford Ecosport are $1,288 a year for full coverage. Comprehensive costs on average $248, collision costs $466, and liability costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,794. 16-year-old drivers cost the most to insure at $4,910 a year or more.
Average premium for full coverage: $1,288
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Ecosport trim levels.
Price Range Variability
For a driver around age 40, Ford Ecosport insurance rates go from the low end price of $474 for liability-only coverage to a much higher rate of $2,794 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows estimated Ford Ecosport insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $746
- Drivers who choose higher $1,000 deductibles will pay around $162 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,288
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,604
- Drivers with multiple tickets or accidents could pay upwards of $2,794 or more
- Policy cost that insures a 16-year-old driver with full coverage may cost $4,910 a year
Car insurance rates for a Ford Ecosport also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age
Your home state makes a big difference in Ford Ecosport insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,840 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,164 | -$124 | -9.6% |
| Alaska | $988 | -$300 | -23.3% |
| Arizona | $1,070 | -$218 | -16.9% |
| Arkansas | $1,288 | -$0 | 0.0% |
| California | $1,466 | $178 | 13.8% |
| Colorado | $1,230 | -$58 | -4.5% |
| Connecticut | $1,324 | $36 | 2.8% |
| Delaware | $1,456 | $168 | 13.0% |
| Florida | $1,612 | $324 | 25.2% |
| Georgia | $1,188 | -$100 | -7.8% |
| Hawaii | $924 | -$364 | -28.3% |
| Idaho | $872 | -$416 | -32.3% |
| Illinois | $960 | -$328 | -25.5% |
| Indiana | $970 | -$318 | -24.7% |
| Iowa | $870 | -$418 | -32.5% |
| Kansas | $1,226 | -$62 | -4.8% |
| Kentucky | $1,758 | $470 | 36.5% |
| Louisiana | $1,908 | $620 | 48.1% |
| Maine | $794 | -$494 | -38.4% |
| Maryland | $1,062 | -$226 | -17.5% |
| Massachusetts | $1,030 | -$258 | -20.0% |
| Michigan | $2,236 | $948 | 73.6% |
| Minnesota | $1,078 | -$210 | -16.3% |
| Mississippi | $1,542 | $254 | 19.7% |
| Missouri | $1,144 | -$144 | -11.2% |
| Montana | $1,384 | $96 | 7.5% |
| Nebraska | $1,016 | -$272 | -21.1% |
| Nevada | $1,544 | $256 | 19.9% |
| New Hampshire | $928 | -$360 | -28.0% |
| New Jersey | $1,438 | $150 | 11.6% |
| New Mexico | $1,140 | -$148 | -11.5% |
| New York | $1,356 | $68 | 5.3% |
| North Carolina | $742 | -$546 | -42.4% |
| North Dakota | $1,054 | -$234 | -18.2% |
| Ohio | $892 | -$396 | -30.7% |
| Oklahoma | $1,322 | $34 | 2.6% |
| Oregon | $1,180 | -$108 | -8.4% |
| Pennsylvania | $1,228 | -$60 | -4.7% |
| Rhode Island | $1,716 | $428 | 33.2% |
| South Carolina | $1,166 | -$122 | -9.5% |
| South Dakota | $1,088 | -$200 | -15.5% |
| Tennessee | $1,128 | -$160 | -12.4% |
| Texas | $1,552 | $264 | 20.5% |
| Utah | $954 | -$334 | -25.9% |
| Vermont | $882 | -$406 | -31.5% |
| Virginia | $772 | -$516 | -40.1% |
| Washington | $998 | -$290 | -22.5% |
| West Virginia | $1,180 | -$108 | -8.4% |
| Wisconsin | $892 | -$396 | -30.7% |
| Wyoming | $1,146 | -$142 | -11.0% |
Opting for high physical damage deductibles could save up to $480 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Every company utilizes a different rate formula, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Ecosport | $256 | $478 | $398 | $1,290 |
| 2022 Ford Ecosport | $248 | $466 | $416 | $1,288 |
| 2021 Ford Ecosport | $240 | $446 | $430 | $1,274 |
| 2020 Ford Ecosport | $226 | $430 | $442 | $1,256 |
| 2019 Ford Ecosport | $218 | $400 | $452 | $1,228 |
| 2018 Ford Ecosport | $208 | $376 | $456 | $1,198 |
Rates are averaged for all Ford Ecosport models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Ford Ecosport Insurance
Finding cheaper rates on insurance for a Ford Ecosport not only requires having a good driving record, but also having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a quick review of the material that was covered above.
- Insureds who require increased levels of liability coverage will pay around $460 each year to go from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are expensive to insure, costing up to $409 each month if full coverage is purchased
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,510 more each year to buy Ford Ecosport insurance
- Increasing comprehensive and collision deductibles can save approximately $475 each year
Is a Ford Ecosport worth buying? If insurance rates are too high, you may regret buying a vehicle. If you want to start shopping for new Ford EcoSport insurance rates, enter your ZIP code in our free tool below.
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What are the safety ratings of the Ford Ecosport?
Ford Ecosport safety ratings and features directly affect the rates you pay for insurance. The Ford Ecosport has some solid safety features, such as multiple airbags, brake assist, electronic stability control, daytime running lights, and traction control.
The Insurance Institute for Highway Safety (IIHS) also ran a head restraint and seat crash test on the 2018 Ford Ecosport. The final rating for both was good, which is the highest rating possible. However, none of the other usual crash tests were run, such as a side crash test or a roof-strength crash test, so the Ford EcoSport crash rating is incomplete.
Ford EcoSport Compared Against Other Vehicles in the Same Class
The Ford EcoSport is a small SUV. The IIHS recorded the Ford EcoSport’s liability losses as average in comparison to other small SUVs, so liability insurance rates should be normal.
Curious how the Ford EcoSport’s rates compare to other small SUVs? Check out the list of small SUVs below.
Ready to start saving on Ford EcoSport insurance rates? Enter your ZIP code in our free rate comparison tool to find the cheapest car insurance in your area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,910 |
| 20 | $2,986 |
| 30 | $1,336 |
| 40 | $1,288 |
| 50 | $1,178 |
| 60 | $1,156 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,604 |
| $250 | $1,456 |
| $500 | $1,288 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,288 |
| 50/100 | $1,371 |
| 100/300 | $1,475 |
| 250/500 | $1,746 |
| 100 CSL | $1,413 |
| 300 CSL | $1,642 |
| 500 CSL | $1,808 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $4,756 |
| 30 | $2,848 |
| 40 | $2,794 |
| 50 | $2,668 |
| 60 | $2,644 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $542 |
Discounts are estimated and may not be available from every company or in every state.
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