Ford Escape 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 6, 2024

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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.

The average insurance rates for a Ford Escape are $1,158 a year with full coverage. Comprehensive costs on average $268 a year, collision costs $422, and liability coverage costs $332. Buying just liability costs as little as $388 a year, with insurance for high-risk drivers costing around $2,478. Teens cost the most to insure at $4,252 a year or more.

Average premium for full coverage: $1,158

Policy rates by type of insurance:

Comprehensive $268
Collision $422
Liability $332

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Escape trim levels.

Price Range Variability

For a 40-year-old driver, Ford Escape insurance rates go from the low end price of $388 for just liability insurance to a high of $2,478 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

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

The examples above demonstrate why it is important to compare rates based on a specific location, rather than using averaged prices.

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 Details

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

  • The cheapest rate after discounts is $674
  • Drivers who choose higher $1,000 deductibles will pay around $1,000 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,158
  • Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,458
  • High-risk insureds with serious driving violations could pay upwards of $2,478 or more
  • Policy cost that insures a teenage driver may cost $4,252 a year

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

Insurance rates for a Ford Escape also range considerably based on the trim level of your Escape, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost around 45% to 125% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,200 a year. View Rates by Age

Your home state makes a big difference in Ford Escape insurance rates. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay 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

Choosing higher comprehensive and collision insurance deductibles could save up to $460 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $299 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company calculates rates differently, so the rates will be varied.

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 2023 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
2024 Ford Escape $280 $438 $316 $1,170
2023 Ford Escape $268 $422 $332 $1,158
2022 Ford Escape $256 $418 $338 $1,148
2021 Ford Escape $248 $408 $354 $1,146
2020 Ford Escape $240 $390 $364 $1,130
2019 Ford Escape $226 $378 $376 $1,116
2018 Ford Escape $218 $350 $384 $1,088
2017 Ford Escape $208 $330 $388 $1,062
2016 Ford Escape $200 $296 $390 $1,022
2015 Ford Escape $188 $272 $390 $986
2014 Ford Escape $180 $254 $394 $964
2013 Ford Escape $176 $238 $402 $952
2012 Ford Escape $164 $220 $402 $922
2011 Ford Escape $158 $200 $406 $900
2010 Ford Escape $148 $184 $402 $870
2009 Ford Escape $140 $166 $402 $844
2008 Ford Escape $134 $150 $398 $818
2007 Ford Escape $132 $146 $390 $804
2006 Ford Escape $130 $140 $384 $790
2005 Ford Escape $120 $132 $380 $768

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 Cheaper Ford Escape Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare rates every other policy renewal by getting price quotes from direct companies, and also from several local insurance agents.

The list below is a condensed summary of the ideas that were illustrated above.

  • Teenagers pay the highest rates, as much as $354 each month if full coverage is included
  • Drivers with multiple at-fault accidents pay on average $1,320 more each year for car insurance
  • Increasing comprehensive and collision deductibles can save approximately $450 each year
  • You may be able to save as much as $140 per year simply by quoting early and online

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

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%

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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