Ford Ecosport Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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 $1,290 every 12 months with full coverage. Comprehensive costs on average $256, collision costs $478, and liability insurance is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing around $2,796. 16-year-old drivers cost the most to insure at $4,886 a year or more.

Average premium for full coverage: $1,290

Policy rates by type of insurance:

Comprehensive $256
Collision $478
Liability $398

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Ecosport models.

Price Range Variability

For a driver around age 40, Ford Ecosport insurance rates go from the cheapest price of $460 for your basic liability-only policy to the much higher price of $2,796 for a driver who requires high-risk insurance.

Liability Only $460
Full Coverage $1,290
High Risk $2,796

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $968
Small Cities $1,355
Large Cities $1,742

The examples above demonstrate why everyone should get quotes based on a specific location and their own driving history, rather than relying 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.

More Rate Information

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

  • The best full coverage rate is $746
  • Choosing higher $1,000 deductibles can save around $166 annually
  • The average price for a good driver age 40 with $500 deductibles is $1,290
  • Buying pricier low deductibles for comp and collision coverage increases the price to $1,614
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,796 or more
  • Policy cost to insure a teen driver for full coverage may cost $4,886 each year

View Chart as Image

Ford Ecosport insurance cost comparison chart
Column chart showing full coverage Ford Ecosport insurance rates range from $746 to $4,886

Auto insurance rates for a Ford Ecosport also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Ecosport.

Opting for high physical damage deductibles can save as much as $490 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Ford Ecosport insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Ecosport insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,740 on average in Florida, Michigan, and New York.

Ford Ecosport Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,168 -$122 -9.5%
Alaska $990 -$300 -23.3%
Arizona $1,070 -$220 -17.1%
Arkansas $1,290 -$0 0.0%
California $1,470 $180 14.0%
Colorado $1,234 -$56 -4.3%
Connecticut $1,328 $38 2.9%
Delaware $1,460 $170 13.2%
Florida $1,614 $324 25.1%
Georgia $1,190 -$100 -7.8%
Hawaii $926 -$364 -28.2%
Idaho $874 -$416 -32.2%
Illinois $964 -$326 -25.3%
Indiana $972 -$318 -24.7%
Iowa $872 -$418 -32.4%
Kansas $1,228 -$62 -4.8%
Kentucky $1,762 $472 36.6%
Louisiana $1,910 $620 48.1%
Maine $796 -$494 -38.3%
Maryland $1,064 -$226 -17.5%
Massachusetts $1,034 -$256 -19.8%
Michigan $2,242 $952 73.8%
Minnesota $1,080 -$210 -16.3%
Mississippi $1,548 $258 20.0%
Missouri $1,146 -$144 -11.2%
Montana $1,386 $96 7.4%
Nebraska $1,018 -$272 -21.1%
Nevada $1,548 $258 20.0%
New Hampshire $930 -$360 -27.9%
New Jersey $1,444 $154 11.9%
New Mexico $1,144 -$146 -11.3%
New York $1,360 $70 5.4%
North Carolina $744 -$546 -42.3%
North Dakota $1,056 -$234 -18.1%
Ohio $894 -$396 -30.7%
Oklahoma $1,328 $38 2.9%
Oregon $1,184 -$106 -8.2%
Pennsylvania $1,232 -$58 -4.5%
Rhode Island $1,722 $432 33.5%
South Carolina $1,170 -$120 -9.3%
South Dakota $1,088 -$202 -15.7%
Tennessee $1,130 -$160 -12.4%
Texas $1,556 $266 20.6%
Utah $956 -$334 -25.9%
Vermont $884 -$406 -31.5%
Virginia $772 -$518 -40.2%
Washington $998 -$292 -22.6%
West Virginia $1,184 -$106 -8.2%
Wisconsin $894 -$396 -30.7%
Wyoming $1,148 -$142 -11.0%

View Chart as Image

Ford Ecosport insurance rates by U.S. city

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted rates will be varied.

Ford Ecosport Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Ford Ecosport $268 $482 $390 $1,298
2022 Ford Ecosport $256 $478 $398 $1,290
2021 Ford Ecosport $248 $466 $416 $1,288
2020 Ford Ecosport $240 $446 $430 $1,274
2019 Ford Ecosport $226 $430 $442 $1,256
2018 Ford Ecosport $218 $400 $452 $1,228

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 the Best Cheap Ford Ecosport Insurance

Finding cheaper rates on Ford Ecosport insurance takes having a decent driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The following items are a quick review of the concepts that were covered above.

  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,510 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers are charged the highest rates, as much as $407 each month if comprehensive and collision insurance is included
  • You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $500 each year
  • You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date

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 $4,886
20 $2,990
30 $1,342
40 $1,290
50 $1,180
60 $1,156

Full coverage, $500 deductibles

Rates by Deductible

Ford Ecosport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,614
$250 $1,464
$500 $1,290
$1,000 $1,124

Full coverage, driver age 40

Rates by Liability Limit

Ford Ecosport Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,290
50/100 $1,370
100/300 $1,469
250/500 $1,728
100 CSL $1,409
300 CSL $1,628
500 CSL $1,788

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Ecosport Insurance Rates for High Risk Drivers
Age Premium
16 $6,956
20 $4,756
30 $2,852
40 $2,796
50 $2,670
60 $2,646

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 $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 $746

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

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