Ford Escape Insurance Rates

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 auto insurance rates for a Ford Escape are $1,170 annually for full coverage insurance. Comprehensive costs approximately $280 a year, collision costs $438, and liability insurance is estimated at $316. Liability-only insurance costs approximately $376 a year, with high-risk driver insurance costing around $2,506. Teenage drivers cost the most to insure at $4,268 a year or more.

Average premium for full coverage: $1,170

Policy rates by type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Escape trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

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

The examples above illustrate why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

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

• The best discount rate is $682
• Choosing higher $1,000 deductibles can save $1,008 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,170
• Using low $100 deductibles for comp and collision coverage will cost $1,484
• High-risk insureds who are prone to accidents and violations could pay around $2,506 or more
• Policy cost with full coverage for a teen driver can cost $4,268 each year

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford Escape insurance rates. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,580 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2024 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.

How to Buy Low Cost Ford Escape Insurance

Finding cheaper rates on Ford Escape insurance takes being a good driver, having above-average credit, being claim-free, and not having any coverage lapses. Invest time comparing rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a review of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $356 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,340 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $475 each year
• It is possible to save around $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.

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.

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).

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.

• Ford EcoSport
• FIAT 500X
• Honda CR-V

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