Ford Ecosport Insurance Rates

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2021 Ford EcoSport Insurance Cost in 2025 – 7 Ways to Save

Are you sick and tired of sacrificing other expenses to pay high auto insurance rates every month? Your situation is no different than many other drivers. With so many companies to choose from, it's nearly impossible to choose the most affordable company. Finding car insurance There are several ways to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You ...

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UPDATED: Apr 1, 2024

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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 prices for a Ford Ecosport are $1,288 every 12 months for full coverage. Comprehensive insurance costs approximately $248 a year, collision insurance costs $466, and liability coverage costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs $2,794 or more. 16-year-old drivers cost the most to insure at up to $4,910 a year.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Comprehensive $248
Collision $466
Liability $416

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Ecosport trim levels.

Price Range Variability

Using a middle-aged driver as an example, Ford Ecosport insurance rates range from the cheapest price of $474 for just liability coverage to a high of $2,794 for a policy for a high-risk driver.

Liability Only $474
Full Coverage $1,288
High Risk $2,794

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $966
Small Cities $1,352
Large Cities $1,739

The examples above show why it is important to compare rates using their specific location and their own driving history, rather than using 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.

Detailed Rate Analysis

The chart below shows average Ford Ecosport insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $746
  • Drivers who choose higher $1,000 deductibles will pay $1,126 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,288
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $316 each year
  • High-risk insureds with multiple tickets or accidents could pay around $2,794
  • Policy cost to insure a teenage driver can cost $4,910 a year

View Chart as Image

Ford Ecosport insurance cost comparison chart
Column chart showing Ford Ecosport insurance prices range from $746 to $4,910 for full coverage

Auto insurance rates for a Ford Ecosport also range considerably based on liability limits and deductibles, your driver profile, and the model of your Ecosport.

Opting for high physical damage deductibles could save up to $480 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Ford Ecosport insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

Ford Ecosport Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,164 -$124 -9.6%
Alaska $988 -$300 -23.3%
Arizona $1,070 -$218 -16.9%
Arkansas $1,288 -$0 0.0%
California $1,466 $178 13.8%
Colorado $1,230 -$58 -4.5%
Connecticut $1,324 $36 2.8%
Delaware $1,456 $168 13.0%
Florida $1,612 $324 25.2%
Georgia $1,188 -$100 -7.8%
Hawaii $924 -$364 -28.3%
Idaho $872 -$416 -32.3%
Illinois $960 -$328 -25.5%
Indiana $970 -$318 -24.7%
Iowa $870 -$418 -32.5%
Kansas $1,226 -$62 -4.8%
Kentucky $1,758 $470 36.5%
Louisiana $1,908 $620 48.1%
Maine $794 -$494 -38.4%
Maryland $1,062 -$226 -17.5%
Massachusetts $1,030 -$258 -20.0%
Michigan $2,236 $948 73.6%
Minnesota $1,078 -$210 -16.3%
Mississippi $1,542 $254 19.7%
Missouri $1,144 -$144 -11.2%
Montana $1,384 $96 7.5%
Nebraska $1,016 -$272 -21.1%
Nevada $1,544 $256 19.9%
New Hampshire $928 -$360 -28.0%
New Jersey $1,438 $150 11.6%
New Mexico $1,140 -$148 -11.5%
New York $1,356 $68 5.3%
North Carolina $742 -$546 -42.4%
North Dakota $1,054 -$234 -18.2%
Ohio $892 -$396 -30.7%
Oklahoma $1,322 $34 2.6%
Oregon $1,180 -$108 -8.4%
Pennsylvania $1,228 -$60 -4.7%
Rhode Island $1,716 $428 33.2%
South Carolina $1,166 -$122 -9.5%
South Dakota $1,088 -$200 -15.5%
Tennessee $1,128 -$160 -12.4%
Texas $1,552 $264 20.5%
Utah $954 -$334 -25.9%
Vermont $882 -$406 -31.5%
Virginia $772 -$516 -40.1%
Washington $998 -$290 -22.5%
West Virginia $1,180 -$108 -8.4%
Wisconsin $892 -$396 -30.7%
Wyoming $1,146 -$142 -11.0%

View Chart as Image

Ford Ecosport insurance rates by U.S. city
Ford Ecosport Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Ford Ecosport $256 $478 $398 $1,290
2022 Ford Ecosport $248 $466 $416 $1,288
2021 Ford Ecosport $240 $446 $430 $1,274
2020 Ford Ecosport $226 $430 $442 $1,256
2019 Ford Ecosport $218 $400 $452 $1,228
2018 Ford Ecosport $208 $376 $456 $1,198

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 Shop for Affordable Ford Ecosport Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief review of the coverage data touched on in the above illustrations.

  • Drivers can save around $150 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • Drivers under the age of 20 have the highest car insurance rates, costing up to $409 each month if comprehensive and collision insurance is included
  • Drivers with DUI or reckless driving convictions may pay on average $1,510 more per year to insure a Ford Ecosport

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 $4,910
20 $2,986
30 $1,336
40 $1,288
50 $1,178
60 $1,156

Full coverage, $500 deductibles

Rates by Deductible

Ford Ecosport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,604
$250 $1,456
$500 $1,288
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Ford Ecosport Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,371
100/300 $1,475
250/500 $1,746
100 CSL $1,413
300 CSL $1,642
500 CSL $1,808

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Ecosport Insurance Rates for High Risk Drivers
Age Premium
16 $6,988
20 $4,756
30 $2,848
40 $2,794
50 $2,668
60 $2,644

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $83
Paid in Full/EFT $57
Advance Quote $63
Online Quote $90
Total Discounts $542
Rate after discounts $746

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

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