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...

Insurance Lawyer

UPDATED: May 2, 2023

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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 $1,288 a year for full coverage. Comprehensive insurance costs around $248 each year, collision insurance costs $466, and liability is $416. Liability-only coverage costs around $474 a year, and high-risk coverage costs $2,794 or more. Teen drivers cost the most to insure at up to $4,910 a year.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Comprehensive $248
Collision $466
Liability $416

Rates are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Ecosport models.

Price Range Variability

Using a 40-year-old driver as an example, Ford Ecosport insurance rates range from as low as $474 for just the minimum liability insurance to a high rate of $2,794 for high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

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

The examples above show why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on 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.

Additional Rate Analysis

The chart below shows average Ford Ecosport insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $746
  • Raising to $1,000 deductibles will save about $162 a year
  • The average rate for a good driver age 40 using $500 deductibles is $1,288
  • Choosing low deductibles will cost an extra $316 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,794
  • Policy cost for full coverage for a 16-year-old driver can be $4,910

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

Insurance rates for a Ford Ecosport also range considerably based on your risk profile, the trim level of your Ecosport, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

Your home state also has a big influence on Ford Ecosport insurance prices. A middle-age driver might find rates as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,840 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles can reduce rates by up to $480 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% 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 $248 $466 $416 $1,288
2019 Ford Ecosport $240 $446 $430 $1,274
2018 Ford Ecosport $226 $430 $442 $1,256

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 the Best Cheap Ford Ecosport Insurance

Finding cheaper rates on insurance for a Ford Ecosport consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a quick review of the material that was raised in the charts and tables above.

  • Insureds who may need an increased level of liability coverage will pay about $460 each year to raise from a 30/60 limit to 250/500 limits
  • Drivers age 16 to 20 are charged the highest rates, costing up to $409 each month including comprehensive and collision insurance
  • Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,510 more every year than a safer driver
  • Increasing comprehensive and collision deductibles can save around $475 each year

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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