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.

Estimated auto insurance rates for a Ford Escape are $1,148 annually for full coverage insurance. Comprehensive costs an estimated $256, collision costs $418, and liability costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing around $2,470. Teen drivers pay the most at $4,258 a year or more.

Average premium for full coverage: $1,148

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Escape trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how location impacts insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

The chart below illustrates estimated Ford Escape insurance rates for other coverage scenarios.

• The lowest rate with discounts is $669
• Using higher $1,000 deductibles will save approximately $152 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,148
• Choosing more expensive low deductibles for physical damage coverage will cost $1,444
• Drivers with multiple violations and an at-fault accident could pay up to $2,470 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,258 or more

View Chart as Image

Insurance prices for a Ford Escape also have a wide range based on the model of your Escape, your risk profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be as much as 45% to 126% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $450 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Escape insurance prices. A driver around age 40 might see prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices will be substantially different 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 Cheap Ford Escape Insurance

Finding better rates on car insurance requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the material that was touched on above.

• Policyholders who want more liability coverage will pay about $370 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are charged the highest prices, with premiums being up to $355 per month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,320 more annually to insure their Escape
• Increasing policy deductibles could save up to $450 each year

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