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 $1,158 annually for full coverage. Comprehensive insurance costs on average $268, collision costs $422, and liability is $332. Liability-only coverage costs around $388 a year, with high-risk coverage costing $2,478 or more. 16-year-old drivers 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:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Escape trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities.

The price range example below illustrates how where you live affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $674
• Raising to $1,000 deductibles will save around $158 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,158
• Buying more expensive low deductibles costs an additional $300 every year
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,478 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $4,252

View Chart as Image

Insurance rates for a Ford Escape also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards 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 could be paying at a minimum $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 125% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $460 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $299 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Escape insurance prices. A middle-age driver might find rates as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Cheap Ford Escape Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a quick review of the data touched on in the above illustrations.

• Policyholders who require higher levels of liability will pay around $370 each year to raise from a 30/60 limit to higher 250/500 limits
• Drivers can save as much as $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Teenage drivers pay higher rates, costing up to $354 each 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.

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

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

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