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Ford Escape Insurance Rates

Ford Escape insurance

Estimated insurance rates for a Ford Escape are $1,110 a year with full coverage. Comprehensive costs on average $266, collision costs $416, and liability is $300. A policy with only liability insurance costs around $356 a year, with a high-risk policy costing around $2,380. 16-year-old drivers pay the most at $4,054 a year or more.

Average premium for full coverage: $1,110

Premium estimates by type of coverage:

Comprehensive $266
Collision $416
Liability $300

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all Escape models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Ford Escape go from as low as $356 for minimum levels of liability insurance to the much higher price of $2,380 for a driver who has had serious violations or accidents.

Liability Only $356
Full Coverage $1,110
High Risk $2,380

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than congested cities.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $833
Small Cities $1,166
Large Cities $1,499

These rate differences demonstrate why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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Additional Rate Details

The chart below details estimated Ford Escape insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $645
  • Raising to $1,000 deductibles will save around $156 annually
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,110
  • Buying pricier low deductibles will increase the cost to $1,408
  • Drivers with multiple tickets or accidents could pay upwards of $2,380 or more
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $4,054

View Chart as Image

Ford Escape insurance cost comparison chart
Column chart showing full coverage Ford Escape insurance rates range from $645 to $4,054

Car insurance prices for a Ford Escape also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,000 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Escape insurance prices. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,670 on average in Florida, Michigan, and New York.

Ford Escape Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,068-$42-3.8%
Alaska$910-$200-18.0%
Arizona$1,116$60.5%
Arkansas$1,126$161.4%
California$1,250$14012.6%
Colorado$1,152$423.8%
Connecticut$1,458$34831.4%
Delaware$1,354$24422.0%
Florida$1,502$39235.3%
Georgia$1,102-$8-0.7%
Hawaii$1,200$908.1%
Idaho$776-$334-30.1%
Illinois$826-$284-25.6%
Indiana$792-$318-28.6%
Iowa$836-$274-24.7%
Kansas$1,020-$90-8.1%
Kentucky$1,442$33229.9%
Louisiana$1,802$69262.3%
Maine$760-$350-31.5%
Maryland$1,144$343.1%
Massachusetts$978-$132-11.9%
Michigan$2,042$93284.0%
Minnesota$978-$132-11.9%
Mississippi$1,088-$22-2.0%
Missouri$950-$160-14.4%
Montana$1,008-$102-9.2%
Nebraska$916-$194-17.5%
Nevada$1,436$32629.4%
New Hampshire$906-$204-18.4%
New Jersey$1,108-$2-0.2%
New Mexico$1,030-$80-7.2%
New York$1,446$33630.3%
North Carolina$790-$320-28.8%
North Dakota$1,084-$26-2.3%
Ohio$784-$326-29.4%
Oklahoma$1,352$24221.8%
Oregon$1,042-$68-6.1%
Pennsylvania$1,250$14012.6%
Rhode Island$1,350$24021.6%
South Carolina$1,034-$76-6.8%
South Dakota$870-$240-21.6%
Tennessee$1,000-$110-9.9%
Texas$1,070-$40-3.6%
Utah$986-$124-11.2%
Vermont$792-$318-28.6%
Virginia$800-$310-27.9%
Washington$978-$132-11.9%
West Virginia$1,132$222.0%
Wisconsin$1,132$222.0%
Wyoming$1,228$11810.6%

View Chart as Image

Ford Escape insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $460 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $270 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,800 extra annually, depending on your age. Ford Escape insurance for high-risk drivers is expensive and can cost from 44% to 131% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Escape Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Ford Escape XLS 2WD$1,024$85
Ford Escape XLS 4WD$1,068$89
Ford Escape XLT 2WD$1,068$89
Ford Escape Limited 2WD$1,110$93
Ford Escape XLT 4WD$1,110$93
Ford Escape Limited 4WD$1,154$96

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Ford Escape$266$416$300$1,110
2017 Ford Escape$254$400$314$1,096
2016 Ford Escape$244$396$322$1,090
2015 Ford Escape$236$388$336$1,088
2014 Ford Escape$228$370$346$1,072
2013 Ford Escape$214$358$358$1,058
2012 Ford Escape$206$332$364$1,030
2011 Ford Escape$198$312$368$1,006
2010 Ford Escape$190$280$372$970
2009 Ford Escape$178$258$372$936
2008 Ford Escape$172$242$374$916
2007 Ford Escape$168$226$382$904
2006 Ford Escape$154$210$382$874
2005 Ford Escape$150$190$386$854
2004 Ford Escape$140$174$382$824
2003 Ford Escape$132$158$382$800
2002 Ford Escape$128$142$378$776
2001 Ford Escape$126$138$372$764

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 Low Cost Ford Escape Insurance

Finding better rates on insurance for a Ford Escape consists of not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a review of the ideas that were covered in the charts and tables above.

  • Teens are expensive to insure, possibly costing $338 per month if full coverage is included
  • Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,270 more each year for Escape insurance
  • Increasing policy deductibles can save around $450 each year
  • You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date

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Rates by Driver Age

Ford Escape Insurance Rates by Driver Age
Driver AgePremium
16$4,054
20$2,530
30$1,160
40$1,110
50$1,012
60$992

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,408
$250$1,272
$500$1,110
$1,000$954

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,110
50/100$1,214
100/300$1,289
250/500$1,484
100 CSL$1,244
300 CSL$1,409
500 CSL$1,529

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape Insurance Rates for High Risk Drivers
AgePremium
16$5,782
20$4,016
30$2,434
40$2,380
50$2,266
60$2,244

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 $149

Potential Rate Discounts

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

DiscountSavings
Multi-policy$59
Multi-vehicle$56
Homeowner$16
5-yr Accident Free$80
5-yr Claim Free$71
Paid in Full/EFT$50
Advance Quote$54
Online Quote$79
Total Discounts$465
Rate after discounts $645

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

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