Ford Escape Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Nov 30, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

U.S. average insurance prices for a Ford Escape are $1,146 every 12 months including full coverage. Comprehensive costs approximately $248 a year, collision costs $408, and liability insurance is estimated at $354. A policy with just liability insurance costs approximately $406 a year, with coverage for high-risk drivers costing around $2,466. Teen drivers pay the highest rates at $4,274 a year or more.

Average premium for full coverage: $1,146

Price estimates by individual coverage:

Comprehensive $248
Collision $408
Liability $354

Price estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Escape trim levels.

Price Range from Low to High

For a driver in their 40's, Ford Escape insurance prices go from the cheapest price of $406 for just liability insurance to a high of $2,466 for a driver required to buy high-risk insurance.

Liability Only $406
Full Coverage $1,146
High Risk $2,466

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $860
Small Cities $1,203
Large Cities $1,547

The ranges above highlight why it is important to get quotes using their specific location and their own driving history, rather than relying 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.

More Rate Details

The chart below breaks down estimated Ford Escape insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $667
  • Choosing higher $1,000 deductibles can save $996 every year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,146
  • Choosing low $100 deductibles for comp and collision coverage increases the price to $1,434
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,466 or more
  • The price to insure a teen driver can cost $4,274 each year

View Chart as Image

Ford Escape insurance cost comparison chart
Column chart showing full coverage Ford Escape insurance rates range from $667 to $4,274

Insurance prices for a Ford Escape are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Escape.

Choosing high deductibles can save as much as $440 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 127% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Escape insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,630 on average in Louisiana, New York, and Michigan.

Ford Escape Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,034 -$112 -9.8%
Alaska $878 -$268 -23.4%
Arizona $950 -$196 -17.1%
Arkansas $1,146 -$0 0.0%
California $1,304 $158 13.8%
Colorado $1,092 -$54 -4.7%
Connecticut $1,174 $28 2.4%
Delaware $1,294 $148 12.9%
Florida $1,430 $284 24.8%
Georgia $1,056 -$90 -7.9%
Hawaii $822 -$324 -28.3%
Idaho $776 -$370 -32.3%
Illinois $852 -$294 -25.7%
Indiana $862 -$284 -24.8%
Iowa $772 -$374 -32.6%
Kansas $1,088 -$58 -5.1%
Kentucky $1,560 $414 36.1%
Louisiana $1,696 $550 48.0%
Maine $706 -$440 -38.4%
Maryland $944 -$202 -17.6%
Massachusetts $912 -$234 -20.4%
Michigan $1,986 $840 73.3%
Minnesota $960 -$186 -16.2%
Mississippi $1,370 $224 19.5%
Missouri $1,016 -$130 -11.3%
Montana $1,228 $82 7.2%
Nebraska $902 -$244 -21.3%
Nevada $1,372 $226 19.7%
New Hampshire $824 -$322 -28.1%
New Jersey $1,280 $134 11.7%
New Mexico $1,014 -$132 -11.5%
New York $1,204 $58 5.1%
North Carolina $658 -$488 -42.6%
North Dakota $938 -$208 -18.2%
Ohio $790 -$356 -31.1%
Oklahoma $1,172 $26 2.3%
Oregon $1,050 -$96 -8.4%
Pennsylvania $1,090 -$56 -4.9%
Rhode Island $1,526 $380 33.2%
South Carolina $1,038 -$108 -9.4%
South Dakota $966 -$180 -15.7%
Tennessee $1,000 -$146 -12.7%
Texas $1,378 $232 20.2%
Utah $848 -$298 -26.0%
Vermont $782 -$364 -31.8%
Virginia $684 -$462 -40.3%
Washington $884 -$262 -22.9%
West Virginia $1,050 -$96 -8.4%
Wisconsin $790 -$356 -31.1%
Wyoming $1,016 -$130 -11.3%

View Chart as Image

Ford Escape insurance rates by U.S. city

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so the prices may be quite different.

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 $1,064 $89
Ford Escape XLS 4WD $1,104 $92
Ford Escape XLT 2WD $1,104 $92
Ford Escape Limited 2WD $1,146 $96
Ford Escape XLT 4WD $1,146 $96
Ford Escape Limited 4WD $1,186 $99

Rates assume 2020 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
2020 Ford Escape $248 $408 $354 $1,146
2017 Ford Escape $218 $350 $384 $1,088
2016 Ford Escape $208 $330 $388 $1,062
2015 Ford Escape $200 $296 $390 $1,022
2014 Ford Escape $188 $272 $390 $986
2013 Ford Escape $180 $254 $394 $964
2012 Ford Escape $176 $238 $402 $952
2011 Ford Escape $164 $220 $402 $922
2010 Ford Escape $158 $200 $406 $900
2009 Ford Escape $148 $184 $402 $870
2008 Ford Escape $140 $166 $402 $844
2007 Ford Escape $134 $150 $398 $818
2006 Ford Escape $132 $146 $390 $804
2005 Ford Escape $130 $140 $384 $790
2004 Ford Escape $120 $132 $380 $768
2003 Ford Escape $116 $126 $376 $754

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 Shop for Cheaper Ford Escape Insurance

Getting lower rates on Ford Escape insurance takes not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a condensed summary of the data covered in the charts and tables above.

  • Drivers who purchase higher liability limits will pay about $390 per year to raise limits from a low limit to a 250/500 level
  • You may be able to save around $140 per year simply by quoting early and online
  • Increasing physical damage deductibles could save as much as $450 each year
  • Teens are expensive to insure, possibly costing $356 a month if they have full coverage

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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
Property Damage-9%
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.



Rates by Driver Age

Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $4,274
20 $2,624
30 $1,192
40 $1,146
50 $1,046
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,434
$250 $1,300
$500 $1,146
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,146
50/100 $1,257
100/300 $1,345
250/500 $1,575
100 CSL $1,292
300 CSL $1,487
500 CSL $1,629

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $6,090
20 $4,170
30 $2,516
40 $2,466
50 $2,348
60 $2,326

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 $157

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 $82
5-yr Claim Free $73
Paid in Full/EFT $51
Advance Quote $55
Online Quote $81
Total Discounts $479
Rate after discounts $667

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles