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Ford EcoSport Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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:

Comprehensive $268
Collision $482
Liability $390

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.

Liability Only $452
Full Coverage $1,298
High Risk $2,802

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.

Rural Areas $974
Small Cities $1,363
Large Cities $1,752

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

View Chart as Image

Ford EcoSport insurance cost comparison chart
Column chart showing Ford EcoSport insurance rates range from $754 to $4,876 for full coverage

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.

Ford EcoSport Insurance Rates by State
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%

View Chart as Image

Ford EcoSport insurance rates by U.S. city

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

Ford EcoSport Insurance Rates by Model Year
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

  1. https://www.iihs.org/ratings/vehicle/ford/ecosport-4-door-suv/2018

Rates by Driver Age

Ford EcoSport Insurance 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

Ford EcoSport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,626
$250 $1,472
$500 $1,298
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Ford EcoSport Insurance Rates with Different Liability Limits
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

Ford EcoSport Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $754

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

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