Ford Ecosport Insurance Rates
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Michelle Robbins
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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 rates for a Ford Ecosport are $1,274 a year for full coverage. Comprehensive costs on average $240, collision insurance costs $446, and liability coverage is $430. Liability-only coverage costs around $486 a year, and high-risk coverage costs around $2,762. Teens cost the most to insure at up to $4,886 a year.
Average premium for full coverage: $1,274
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Ecosport trim levels.
Price Range Variability
For the average 40-year-old driver, Ford Ecosport insurance rates range from the low end price of $486 for your basic liability-only policy to a much higher rate of $2,762 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes 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 Information
The chart below shows average Ford Ecosport insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $739
- Raising to $1,000 deductibles will save around $156 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,274
- Selecting more expensive low deductibles bumps up the cost to $1,576
- Unlucky drivers with serious driving violations could pay upwards of $2,762
- Policy cost that insures a teenage driver with full coverage may cost $4,886
Insurance rates for a Ford Ecosport also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,800 a year. View Rates by Age
Your home state also has a big influence on Ford Ecosport insurance rates. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,820 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,152 | -$122 | -9.6% |
| Alaska | $978 | -$296 | -23.2% |
| Arizona | $1,056 | -$218 | -17.1% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,450 | $176 | 13.8% |
| Colorado | $1,216 | -$58 | -4.6% |
| Connecticut | $1,310 | $36 | 2.8% |
| Delaware | $1,440 | $166 | 13.0% |
| Florida | $1,592 | $318 | 25.0% |
| Georgia | $1,174 | -$100 | -7.8% |
| Hawaii | $914 | -$360 | -28.3% |
| Idaho | $860 | -$414 | -32.5% |
| Illinois | $948 | -$326 | -25.6% |
| Indiana | $958 | -$316 | -24.8% |
| Iowa | $860 | -$414 | -32.5% |
| Kansas | $1,212 | -$62 | -4.9% |
| Kentucky | $1,736 | $462 | 36.3% |
| Louisiana | $1,884 | $610 | 47.9% |
| Maine | $786 | -$488 | -38.3% |
| Maryland | $1,050 | -$224 | -17.6% |
| Massachusetts | $1,020 | -$254 | -19.9% |
| Michigan | $2,212 | $938 | 73.6% |
| Minnesota | $1,066 | -$208 | -16.3% |
| Mississippi | $1,524 | $250 | 19.6% |
| Missouri | $1,130 | -$144 | -11.3% |
| Montana | $1,370 | $96 | 7.5% |
| Nebraska | $1,004 | -$270 | -21.2% |
| Nevada | $1,526 | $252 | 19.8% |
| New Hampshire | $918 | -$356 | -27.9% |
| New Jersey | $1,424 | $150 | 11.8% |
| New Mexico | $1,128 | -$146 | -11.5% |
| New York | $1,342 | $68 | 5.3% |
| North Carolina | $734 | -$540 | -42.4% |
| North Dakota | $1,044 | -$230 | -18.1% |
| Ohio | $880 | -$394 | -30.9% |
| Oklahoma | $1,308 | $34 | 2.7% |
| Oregon | $1,166 | -$108 | -8.5% |
| Pennsylvania | $1,216 | -$58 | -4.6% |
| Rhode Island | $1,698 | $424 | 33.3% |
| South Carolina | $1,152 | -$122 | -9.6% |
| South Dakota | $1,074 | -$200 | -15.7% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $942 | -$332 | -26.1% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $764 | -$510 | -40.0% |
| Washington | $984 | -$290 | -22.8% |
| West Virginia | $1,168 | -$106 | -8.3% |
| Wisconsin | $882 | -$392 | -30.8% |
| Wyoming | $1,134 | -$140 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Ecosport | $248 | $466 | $416 | $1,288 |
| 2022 Ford Ecosport | $240 | $446 | $430 | $1,274 |
| 2021 Ford Ecosport | $226 | $430 | $442 | $1,256 |
| 2020 Ford Ecosport | $218 | $400 | $452 | $1,228 |
| 2019 Ford Ecosport | $208 | $376 | $456 | $1,198 |
| 2018 Ford Ecosport | $200 | $338 | $460 | $1,156 |
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 auto insurance consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following list is a quick review of the primary concepts that were touched on in this article.
- Drivers can save as much as $150 per year just by shopping early and online
- Drivers with a DUI or reckless driving violation may pay on average $1,490 more each year than a safer driver
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Drivers age 16 to 20 pay higher rates, costing up to $407 each month if comprehensive and collision insurance is included
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,886 |
| 20 | $2,952 |
| 30 | $1,318 |
| 40 | $1,274 |
| 50 | $1,166 |
| 60 | $1,142 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,576 |
| $250 | $1,436 |
| $500 | $1,274 |
| $1,000 | $1,118 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,360 |
| 100/300 | $1,468 |
| 250/500 | $1,747 |
| 100 CSL | $1,403 |
| 300 CSL | $1,640 |
| 500 CSL | $1,812 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,948 |
| 20 | $4,702 |
| 30 | $2,812 |
| 40 | $2,762 |
| 50 | $2,640 |
| 60 | $2,616 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $89 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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