Ford EcoSport Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: Apr 30, 2020
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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 $1,298 a year for full coverage insurance. Comprehensive costs an estimated $268, collision insurance costs $482, and liability costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs around $2,802. Teen drivers cost the most to insure at up to $4,876 a year.
Average premium for full coverage: $1,298
Policy rates broken down by type of insurance:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all EcoSport models.
Price Range Variability
For the average 40-year-old driver, Ford EcoSport insurance rates range from as low as $452 for just liability insurance to the much higher price of $2,802 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.
The examples above illustrate why everyone should compare rates for a targeted area and risk profile, instead of using 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.
More Rate Details
The chart below illustrates average Ford EcoSport insurance rates for other coverage scenarios.
- The lowest rate with discounts is $754
- Drivers who choose higher $1,000 deductibles will pay approximately $170 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,298
- Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,626
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,802
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,876 a year
Insurance rates for a Ford EcoSport also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,800 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 North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$126 | -9.7% |
| Alaska | $994 | -$304 | -23.4% |
| Arizona | $1,078 | -$220 | -16.9% |
| Arkansas | $1,298 | -$0 | 0.0% |
| California | $1,476 | $178 | 13.7% |
| Colorado | $1,240 | -$58 | -4.5% |
| Connecticut | $1,332 | $34 | 2.6% |
| Delaware | $1,468 | $170 | 13.1% |
| Florida | $1,624 | $326 | 25.1% |
| Georgia | $1,198 | -$100 | -7.7% |
| Hawaii | $932 | -$366 | -28.2% |
| Idaho | $878 | -$420 | -32.4% |
| Illinois | $966 | -$332 | -25.6% |
| Indiana | $976 | -$322 | -24.8% |
| Iowa | $874 | -$424 | -32.7% |
| Kansas | $1,232 | -$66 | -5.1% |
| Kentucky | $1,768 | $470 | 36.2% |
| Louisiana | $1,920 | $622 | 47.9% |
| Maine | $798 | -$500 | -38.5% |
| Maryland | $1,068 | -$230 | -17.7% |
| Massachusetts | $1,038 | -$260 | -20.0% |
| Michigan | $2,254 | $956 | 73.7% |
| Minnesota | $1,084 | -$214 | -16.5% |
| Mississippi | $1,552 | $254 | 19.6% |
| Missouri | $1,152 | -$146 | -11.2% |
| Montana | $1,394 | $96 | 7.4% |
| Nebraska | $1,024 | -$274 | -21.1% |
| Nevada | $1,554 | $256 | 19.7% |
| New Hampshire | $932 | -$366 | -28.2% |
| New Jersey | $1,450 | $152 | 11.7% |
| New Mexico | $1,148 | -$150 | -11.6% |
| New York | $1,366 | $68 | 5.2% |
| North Carolina | $746 | -$552 | -42.5% |
| North Dakota | $1,062 | -$236 | -18.2% |
| Ohio | $896 | -$402 | -31.0% |
| Oklahoma | $1,332 | $34 | 2.6% |
| Oregon | $1,188 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$60 | -4.6% |
| Rhode Island | $1,730 | $432 | 33.3% |
| South Carolina | $1,176 | -$122 | -9.4% |
| South Dakota | $1,094 | -$204 | -15.7% |
| Tennessee | $1,138 | -$160 | -12.3% |
| Texas | $1,564 | $266 | 20.5% |
| Utah | $960 | -$338 | -26.0% |
| Vermont | $886 | -$412 | -31.7% |
| Virginia | $776 | -$522 | -40.2% |
| Washington | $1,002 | -$296 | -22.8% |
| West Virginia | $1,190 | -$108 | -8.3% |
| Wisconsin | $898 | -$400 | -30.8% |
| Wyoming | $1,156 | -$142 | -10.9% |
Choosing high deductibles could save up to $500 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. Ford EcoSport insurance for high-risk drivers can cost as much as 43% to 129% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford EcoSport | $268 | $482 | $390 | $1,298 |
| 2019 Ford EcoSport | $256 | $478 | $398 | $1,290 |
| 2018 Ford EcoSport | $248 | $466 | $416 | $1,288 |
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 Cheaper Ford EcoSport Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a condensed summary of the primary concepts that were touched on in this article.
- It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
- Higher risk drivers with multiple at-fault accidents pay on average $1,500 more annually to insure a Ford EcoSport
- Increasing comprehensive and collision deductibles can save around $500 each year
- Drivers under the age of 20 are charged the highest rates, possibly costing $406 each month for full coverage
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 | $4,876 |
| 20 | $2,994 |
| 30 | $1,348 |
| 40 | $1,298 |
| 50 | $1,186 |
| 60 | $1,162 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,626 |
| $250 | $1,472 |
| $500 | $1,298 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,298 |
| 50/100 | $1,376 |
| 100/300 | $1,474 |
| 250/500 | $1,727 |
| 100 CSL | $1,415 |
| 300 CSL | $1,630 |
| 500 CSL | $1,786 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,944 |
| 20 | $4,762 |
| 30 | $2,858 |
| 40 | $2,802 |
| 50 | $2,674 |
| 60 | $2,650 |
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 | $19 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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