Ford Escape Insurance Rates
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UPDATED: Nov 30, 2021
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The most difficult part of shopping for a Ford Escape insurance policy is getting started in your search for cheap car insurance. Is a Ford Escape expensive to insure? The average Ford Escape insurance rates are $96 per month or $1,158 annually.
However, many factors influence your individual car insurance rates. Before you sign up with a Ford Escape car insurance company, make sure you have the basics. Insurance premiums fluctuate based on the driver’s age and location, along with the model year and trim level of the vehicle.
For example, the average 2014 Ford Escape insurance costs less than a newer 2020 Ford Escape because the model is six years older, and therefore less valuable.
If you want to understand the nuances associated with Ford Escape insurance rates, all you have to do is read through the information detailed in this article. We can help you find affordable Ford Escape car insurance.
Whenever you’re ready to start comparing Ford Escape car insurance quotes from multiple companies, enter your ZIP code into our free online tool above and start comparing.
Average insurance rates for a Ford Escape are $1,146 a year for full coverage. Comprehensive costs on average $248 a year, collision costs $408, and liability insurance costs $354. A liability-only policy costs as little as $406 a year, with high-risk insurance costing around $2,466. Teen drivers receive the highest rates at $4,274 a year or more.
Average premium for full coverage: $1,146
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Escape trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $406 for only liability insurance to a high of $2,466 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.
Insurance Rate Analysis
The chart below shows estimated Ford Escape insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $667
- Drivers who choose higher $1,000 deductibles will pay around $996 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,146
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,434
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,466 or more
- The cost for full coverage for a teen driver may cost $4,274 a year
for a Ford Escape can also vary considerably based on your driver profile, the trim level of your Escape, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,200 a year. View Rates by Age
Where you live makes a big difference in Ford Escape insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $440 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 127% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Ford Escape XLS 2WD||$1,064||$89|
|Ford Escape XLS 4WD||$1,104||$92|
|Ford Escape XLT 2WD||$1,104||$92|
|Ford Escape Limited 2WD||$1,146||$96|
|Ford Escape XLT 4WD||$1,146||$96|
|Ford Escape Limited 4WD||$1,186||$99|
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Ford Escape||$248||$408||$354||$1,146|
|2017 Ford Escape||$218||$350||$384||$1,088|
|2016 Ford Escape||$208||$330||$388||$1,062|
|2015 Ford Escape||$200||$296||$390||$1,022|
|2014 Ford Escape||$188||$272||$390||$986|
|2013 Ford Escape||$180||$254||$394||$964|
|2012 Ford Escape||$176||$238||$402||$952|
|2011 Ford Escape||$164||$220||$402||$922|
|2010 Ford Escape||$158||$200||$406||$900|
|2009 Ford Escape||$148||$184||$402||$870|
|2008 Ford Escape||$140||$166||$402||$844|
|2007 Ford Escape||$134||$150||$398||$818|
|2006 Ford Escape||$132||$146||$390||$804|
|2005 Ford Escape||$130||$140||$384||$790|
|2004 Ford Escape||$120||$132||$380||$768|
|2003 Ford Escape||$116||$126||$376||$754|
Rates are averaged for all Ford Escape 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 Cheaper Ford Escape Insurance
Saving money on Ford Escape insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $450 each year
- Drivers can save as much as $140 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $390 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $356 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,320 more each year for insurance
You now have a better understanding of how much insurance costs on a Ford Escape and how those rates are calculated. As you’ve learned, the age and trim level of your Ford Escape can cause your rates to increase or decrease.
Similarly, your individual driver demographics also affect your car insurance costs. Experienced drivers with clean driving records will always secure better SUV insurance rates than a teen driver or someone with a lot of traffic citations.
No matter your situation, the best way to get cheap insurance is by comparing real Ford Escape car insurance rates from multiple different providers. Start shopping by entering your ZIP code into our quote tool below so you can buy Ford Escape auto insurance right now.
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What are the Ford Escape safety ratings?
When quoting a driver, insurance companies will look at the safety features and ratings of the vehicle model you drive. This helps determine the risk of injury you pose to yourself and others, as well as the risk of any damage to your Ford Escape.
One way you can end up saving money on Ford Escape insurance is by informing your provider that your vehicle received positive safety results.
Take a look at the following 2021 Ford Escape safety ratings as determined by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
‘Good’ is the highest possible rating awarded by the IIHS. As you can see from these results, the Ford Escape received the highest mark possible in every single category.
In fact, the 2020 Ford Escape was named as a top safety pick by the IIHS, a title that was extended to the 2021 model as well. Your insurance rates will already positively reflect these impeccable safety results.
What are the Ford Escape crash test ratings?
Like safety ratings, insurance providers will also look at your vehicle’s crash test results when determining your insurance rates.
Good crash test ratings will help lower your insurance rates, as they mean you will be safer in a crash. That means your insurer will have to pay fewer medical bills and you’re less likely to file claims.
In the table below, see the Ford Escape crash test results for different model years and trim levels as determined by the National Highway Traffic Safety Administration (NHTSA). Notice how not every version of the Ford Escape received the same scores.
|2020 Ford Escape SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2020 Ford Escape SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2020 Ford Escape HEV SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2020 Ford Escape HEV SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2019 Ford Escape SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2019 Ford Escape SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2018 Ford Escape SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2018 Ford Escape SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2017 Ford Escape SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2017 Ford Escape SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2016 Ford Escape SUV FWD||4 stars||4 stars||5 stars||4 stars|
|2016 Ford Escape SUV AWD||4 stars||4 stars||5 stars||4 stars|
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5 stars is the highest possible score given by the NHTSA. With multiple 5 star ratings, the Ford Escape tested well over the years.
Overall, these great crash test results will only help your car insurance totals. But it is important you look at the crash test results for your specific Ford model year to ensure the most accuracy
What is the Ford Escape insurance loss probability?
Insurance loss probability numbers can help you predict how much insurance might cost you for certain vehicles.
A low insurance loss probability means lower rates. Therefore, drivers will have high rates if a vehicle’s insurance loss probability is high.
In the table below, check out the Ford Escape insurance loss probability details by coverage type as denoted by the Insurance Institute for Highway Safety (IIHS).
|Insurance Coverage Category||Loss Rate|
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All of the insurance loss probabilities are in the negative for the Ford Escape, which is excellent. This means your vehicle performs average or better than average in every category.
As for your car insurance premiums, these numbers mean insuring your Ford Escape is not going to be too expensive.
If you choose to purchase a full coverage policy that includes comprehensive and collision coverage for your Ford Escape, expect to receive some very competitive quotes.
Should you compare the Ford Escape against other vehicles in the same car class?
Comparing your vehicle to other cars in the same class can help you determine if it actually is the right car model for you.
The Ford Escape is classified as a small SUV by the IIHS, otherwise known as a crossover. In particular, the Ford Escape weighs more than a lot of other vehicles on the road.
Fortunately, in most cases, insurance companies look favorably upon models with a heavier curb weight because it means your car will not sustain as much damage in the event of a crash.
But how does the Ford Escape compare to other small SUVs on the market? Take a look at the following small SUVs to see how their average insurance rates compare to the Ford Escape.
Overall, the Ford Escape is a reliable, safe vehicle with great insurance loss ratios. By putting in the time to research beforehand, you’ll be able to easily secure cheap Ford Escape car insurance quotes.
Now that we have come to the end of this article, we hope we’ve answered all of your questions about Ford Escape car insurance.
The next logical step is to enter your ZIP code into our free online quote tool to start comparing Ford Escape insurance rates from some of the industry’s most reputable car insurance companies near you.
Rate Tables and Charts
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||$82|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.