Ford Escape Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 $1,130 a year including full coverage. Comprehensive costs an estimated $240, collision insurance costs $390, and liability costs around $364. A policy with just liability insurance costs as low as $416 a year, and coverage for high-risk drivers costs around $2,434. Teenage drivers receive the highest rates at up to $4,248 a year.

Average premium for full coverage: $1,130

Rate estimates broken down by individual coverage type:

Comprehensive $240
Collision $390
Liability $364

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Escape trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $416 for just the minimum liability insurance to a much higher rate of $2,434 for a driver that may need high-risk insurance.

Liability Only $416
Full Coverage $1,130
High Risk $2,434

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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 Rate Analysis

The chart below breaks down average Ford Escape insurance rates for other coverage scenarios.

  • The best discount rate is $659
  • Using higher $1,000 deductibles will save approximately $144 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,130
  • Using more expensive low deductibles for physical damage coverage will increase the cost to $1,406
  • High-risk insureds who are prone to accidents and violations could pay up to $2,434
  • The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,248 or more

View Chart as Image

Ford Escape insurance cost comparison chart
Column chart showing Ford Escape insurance rates range from $659 to $4,248 for full coverage

Insurance rates for a Ford Escape can also vary considerably based on your driver profile, the model of your Escape, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

Where you live has a huge impact on Ford Escape insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.

Ford Escape Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,022 -$108 -9.6%
Alaska $868 -$262 -23.2%
Arizona $936 -$194 -17.2%
Arkansas $1,130 -$0 0.0%
California $1,288 $158 14.0%
Colorado $1,078 -$52 -4.6%
Connecticut $1,160 $30 2.7%
Delaware $1,276 $146 12.9%
Florida $1,410 $280 24.8%
Georgia $1,044 -$86 -7.6%
Hawaii $812 -$318 -28.1%
Idaho $766 -$364 -32.2%
Illinois $842 -$288 -25.5%
Indiana $852 -$278 -24.6%
Iowa $762 -$368 -32.6%
Kansas $1,072 -$58 -5.1%
Kentucky $1,540 $410 36.3%
Louisiana $1,672 $542 48.0%
Maine $698 -$432 -38.2%
Maryland $934 -$196 -17.3%
Massachusetts $902 -$228 -20.2%
Michigan $1,962 $832 73.6%
Minnesota $948 -$182 -16.1%
Mississippi $1,354 $224 19.8%
Missouri $1,002 -$128 -11.3%
Montana $1,214 $84 7.4%
Nebraska $890 -$240 -21.2%
Nevada $1,354 $224 19.8%
New Hampshire $814 -$316 -28.0%
New Jersey $1,264 $134 11.9%
New Mexico $1,000 -$130 -11.5%
New York $1,190 $60 5.3%
North Carolina $650 -$480 -42.5%
North Dakota $926 -$204 -18.1%
Ohio $780 -$350 -31.0%
Oklahoma $1,158 $28 2.5%
Oregon $1,036 -$94 -8.3%
Pennsylvania $1,076 -$54 -4.8%
Rhode Island $1,504 $374 33.1%
South Carolina $1,024 -$106 -9.4%
South Dakota $954 -$176 -15.6%
Tennessee $990 -$140 -12.4%
Texas $1,362 $232 20.5%
Utah $836 -$294 -26.0%
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 $1,004 -$126 -11.2%

View Chart as Image

Ford Escape insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $420 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,300 to $1,900 additional per year, depending on your age. High-risk driver insurance can be from 45% to 128% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Ford Escape Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Escape XLS 2WD $1,052 $88
Ford Escape XLS 4WD $1,090 $91
Ford Escape XLT 2WD $1,090 $91
Ford Escape Limited 2WD $1,130 $94
Ford Escape XLT 4WD $1,130 $94
Ford Escape Limited 4WD $1,168 $97

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.

Ford Escape Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Escape $240 $390 $364 $1,130
2017 Ford Escape $208 $330 $388 $1,062
2016 Ford Escape $200 $296 $390 $1,022
2015 Ford Escape $188 $272 $390 $986
2014 Ford Escape $180 $254 $394 $964
2013 Ford Escape $176 $238 $402 $952
2012 Ford Escape $164 $220 $402 $922
2011 Ford Escape $158 $200 $406 $900
2010 Ford Escape $148 $184 $402 $870
2009 Ford Escape $140 $166 $402 $844
2008 Ford Escape $134 $150 $398 $818
2007 Ford Escape $132 $146 $390 $804
2006 Ford Escape $130 $140 $384 $790
2005 Ford Escape $120 $132 $380 $768
2004 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 insurance for a Ford Escape requires avoiding accidents and claims, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The points below are a condensed summary of the data that was raised in the charts and tables above.

  • You may be able to save approximately $130 per year just by shopping early and online
  • Insureds who want increased liability limits will pay an extra $400 per year to increase from a minimum limit to 250/500 limits
  • Drivers under the age of 20 are expensive to insure, as much as $354 per month including comprehensive and collision insurance
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,300 more annually to insure a Ford Escape

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.

Ford Escape Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Ford Escape SUV FWD5 stars5 stars5 stars4 stars
2020 Ford Escape SUV AWD5 stars5 stars5 stars4 stars
2020 Ford Escape HEV SUV FWD5 stars5 stars5 stars4 stars
2020 Ford Escape HEV SUV AWD5 stars5 stars5 stars4 stars
2019 Ford Escape SUV FWD5 stars5 stars5 stars4 stars
2019 Ford Escape SUV AWD5 stars5 stars5 stars4 stars
2018 Ford Escape SUV FWD5 stars5 stars5 stars4 stars
2018 Ford Escape SUV AWD5 stars5 stars5 stars4 stars
2017 Ford Escape SUV FWD5 stars5 stars5 stars4 stars
2017 Ford Escape SUV AWD5 stars5 stars5 stars4 stars
2016 Ford Escape SUV FWD4 stars4 stars5 stars4 stars
2016 Ford Escape SUV AWD4 stars4 stars5 stars4 stars

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).

Ford Escape Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-20%
Property Damage-9%
Comprehensive-17%
Personal Injury-6%
Medical Payment-6%
Bodily Injury-8%

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.

References:

  1. https://www.iihs.org/ratings/vehicle/Ford/escape-4-door-suv/2020
  2. https://www.nhtsa.gov/vehicle/2020/FORD/ESCAPE/SUV/AWD
  3. https://www.iihs.org/ratings/insurance-losses-by-make-and-model

Rates by Driver Age

Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $4,248
20 $2,592
30 $1,172
40 $1,130
50 $1,034
60 $1,014

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,406
$250 $1,278
$500 $1,130
$1,000 $986

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,130
50/100 $1,241
100/300 $1,332
250/500 $1,568
100 CSL $1,277
300 CSL $1,477
500 CSL $1,623

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $6,050
20 $4,120
30 $2,482
40 $2,434
50 $2,322
60 $2,300

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $59
Homeowner $17
5-yr Accident Free $80
5-yr Claim Free $72
Paid in Full/EFT $49
Advance Quote $54
Online Quote $80
Total Discounts $471
Rate after discounts $659

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

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