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Ford Escape 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 9, 2020

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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.

Estimated insurance rates for a Ford Escape are $1,158 a year with full coverage. Comprehensive costs on average $268, collision costs $422, and liability is $332. A policy with only liability insurance costs around $388 a year, with a high-risk policy costing around $2,478. 16-year-old drivers pay the most at $4,252 a year or more.

Average premium for full coverage: $1,158

Premium estimates by type of coverage:

Comprehensive $268
Collision $422
Liability $332

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 $388 for minimum levels of liability insurance to the much higher price of $2,478 for a driver who has had serious violations or accidents.

Liability Only $388
Full Coverage $1,158
High Risk $2,478

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 $869
Small Cities $1,216
Large Cities $1,563

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.

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 Details

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

  • The best full coverage rate is $674
  • Raising to $1,000 deductibles will save around $158 annually
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,158
  • Buying pricier low deductibles will increase the cost to $1,458
  • Drivers with multiple tickets or accidents could pay upwards of $2,478 or more
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $4,252

View Chart as Image

Ford Escape insurance cost comparison chart
Column chart showing full coverage Ford Escape insurance rates range from $674 to $4,252

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 $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,200 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 $830 a year in states like New Hampshire, Ohio, and Utah, or at least $1,560 on average in Florida, Michigan, and New York.

Ford Escape Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,044 -$114 -9.8%
Alaska $886 -$272 -23.5%
Arizona $958 -$200 -17.3%
Arkansas $1,158 -$0 0.0%
California $1,316 $158 13.6%
Colorado $1,102 -$56 -4.8%
Connecticut $1,184 $26 2.2%
Delaware $1,304 $146 12.6%
Florida $1,442 $284 24.5%
Georgia $1,070 -$88 -7.6%
Hawaii $830 -$328 -28.3%
Idaho $784 -$374 -32.3%
Illinois $860 -$298 -25.7%
Indiana $872 -$286 -24.7%
Iowa $778 -$380 -32.8%
Kansas $1,096 -$62 -5.4%
Kentucky $1,574 $416 35.9%
Louisiana $1,710 $552 47.7%
Maine $712 -$446 -38.5%
Maryland $954 -$204 -17.6%
Massachusetts $920 -$238 -20.6%
Michigan $2,006 $848 73.2%
Minnesota $968 -$190 -16.4%
Mississippi $1,382 $224 19.3%
Missouri $1,026 -$132 -11.4%
Montana $1,240 $82 7.1%
Nebraska $910 -$248 -21.4%
Nevada $1,386 $228 19.7%
New Hampshire $832 -$326 -28.2%
New Jersey $1,290 $132 11.4%
New Mexico $1,022 -$136 -11.7%
New York $1,216 $58 5.0%
North Carolina $664 -$494 -42.7%
North Dakota $946 -$212 -18.3%
Ohio $794 -$364 -31.4%
Oklahoma $1,184 $26 2.2%
Oregon $1,060 -$98 -8.5%
Pennsylvania $1,102 -$56 -4.8%
Rhode Island $1,540 $382 33.0%
South Carolina $1,048 -$110 -9.5%
South Dakota $976 -$182 -15.7%
Tennessee $1,010 -$148 -12.8%
Texas $1,394 $236 20.4%
Utah $856 -$302 -26.1%
Vermont $788 -$370 -32.0%
Virginia $690 -$468 -40.4%
Washington $892 -$266 -23.0%
West Virginia $1,060 -$98 -8.5%
Wisconsin $800 -$358 -30.9%
Wyoming $1,030 -$128 -11.1%

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 $299 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 $1,900 extra annually, depending on your age. Ford Escape insurance for high-risk drivers is expensive and can cost from 45% to 125% 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 Trim Annual Premium Monthly Premium
Ford Escape XLS 2WD $1,072 $89
Ford Escape XLS 4WD $1,114 $93
Ford Escape XLT 2WD $1,114 $93
Ford Escape Limited 2WD $1,158 $97
Ford Escape XLT 4WD $1,158 $97
Ford Escape Limited 4WD $1,200 $100

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 $268 $422 $332 $1,158
2019 Ford Escape $256 $418 $338 $1,148
2018 Ford Escape $248 $408 $354 $1,146
2017 Ford Escape $240 $390 $364 $1,130
2016 Ford Escape $226 $378 $376 $1,116
2015 Ford Escape $218 $350 $384 $1,088
2014 Ford Escape $208 $330 $388 $1,062
2013 Ford Escape $200 $296 $390 $1,022
2012 Ford Escape $188 $272 $390 $986
2011 Ford Escape $180 $254 $394 $964
2010 Ford Escape $176 $238 $402 $952
2009 Ford Escape $164 $220 $402 $922
2008 Ford Escape $158 $200 $406 $900
2007 Ford Escape $148 $184 $402 $870
2006 Ford Escape $140 $166 $402 $844
2005 Ford Escape $134 $150 $398 $818
2004 Ford Escape $132 $146 $390 $804
2003 Ford Escape $130 $140 $384 $790
2002 Ford Escape $120 $132 $380 $768
2001 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 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 $354 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 $1,320 more each year for Escape insurance
  • Increasing policy deductibles can save around $450 each year
  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date

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
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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).

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%
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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.

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 $4,252
20 $2,634
30 $1,206
40 $1,158
50 $1,056
60 $1,036

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,318
$500 $1,158
$1,000 $1,000

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,158
50/100 $1,266
100/300 $1,349
250/500 $1,565
100 CSL $1,300
300 CSL $1,482
500 CSL $1,615

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $6,060
20 $4,182
30 $2,534
40 $2,478
50 $2,360
60 $2,336

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 $156

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $59
Homeowner $17
5-yr Accident Free $83
5-yr Claim Free $74
Paid in Full/EFT $52
Advance Quote $56
Online Quote $82
Total Discounts $484
Rate after discounts $674

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

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