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: 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 insurance. Comprehensive insurance costs an estimated $248 each year, collision costs $466, and liability coverage costs $416. Liability-only insurance costs as little as $474 a year, with high-risk driver insurance costing $2,794 or more. 16-year-old drivers cost the most to insure at $4,910 a year or more.

Average premium for full coverage: $1,288

Policy rates broken down by type of insurance:

Comprehensive $248
Collision $466
Liability $416

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Ecosport models.

Price Range Variability

Using a middle-aged driver as an example, Ford Ecosport insurance rates go from the cheapest price of $474 for basic 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

Your location has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.

The graphic below illustrates how where you live affects insurance prices.

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

The examples above illustrate why all drivers should compare rates for a targeted area 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.

Rate Comparisons

The chart below illustrates estimated Ford Ecosport insurance rates for other coverage scenarios.

  • The best full coverage rate is $746
  • Drivers who choose higher $1,000 deductibles will pay approximately $162 each year
  • The average price for a good driver age 40 who has $500 deductibles is $1,288
  • Buying low deductibles for comprehensive and collision insurance costs an extra $316 each year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,794 or more
  • Policy cost to insure a teenage driver can cost as much as $4,910 a year

View Chart as Image

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

Auto insurance rates for a Ford Ecosport also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $480 a year, whereas increasing liability limits will increase premiums. Switching 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

More mature 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 at least $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 are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers 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 $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,740 on average in Florida, New York, 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

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company 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 $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 Cheaper Ford Ecosport Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a condensed summary of the material that was touched on in the above illustrations.

  • Consumers who want higher liability limits will pay around $460 annually to go from a 30/60 limit to a 250/500 level
  • Teenagers are the costliest to insure, possibly costing $409 each month if comprehensive and collision insurance is included
  • Drivers with multiple at-fault accidents could be forced to pay on average $1,510 more annually for car insurance
  • Increasing comprehensive and collision deductibles could save as much as $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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