Best Ford Escape Insurance Rates [How to Find Low Rates Online]
Ford Escape insurance rates cost $1,170 a year, or around $98 a month. On average, Ford Escape comprehensive insurance coverage costs $285, collision coverage costs $416, and liability coverage costs $330.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jun 23, 2020
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Key takeaways:
- Full coverage costs around $1,170 a year or $98 each month
- A liability-only policy costs around $469 a year or $39 each month
- Highest rates are for teenage drivers at around $4,276 a year or $356 each month
- Good drivers can save as much as $482 a year by earning policy discounts
- Ford Escape insurance costs around $349 less per year than the average vehicle
Ford Escape insurance rates are $349 cheaper than the average vehicle. Full coverage costs $98 per month, while liability-only coverage costs $39 per month. Continue reading to learn more about how to save on Ford Escape insurance rates.
You can start comparing quotes for Ford Escape auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
Ford Escape Insurance Cost
The average Ford Escape auto insurance costs are $1,170 a year or $98 a month.
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Are Ford Escapes Expensive to Insure?
The chart below details how Ford Escape insurance rates compare to other crossovers like the Hyundai Kona, Subaru Crosstrek, and FIAT 500X.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Escape | $280 | $438 | $316 | $1,170 |
| Hyundai Kona | $280 | $500 | $316 | $1,232 |
| Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| FIAT 500X | $256 | $506 | $450 | $1,392 |
| Kia Sportage | $280 | $470 | $372 | $1,280 |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
| Ford EcoSport | $280 | $500 | $372 | $1,310 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
What Impacts the Cost of Ford Escape Insurance?
The Ford Escape trim and model you choose will affect the total price you will pay for Ford Escape insurance coverage.
Age of the Vehicle
The average Ford Escape auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Ford Escape costs $1,170, while 2010 Ford Escape insurance costs are $964, a difference of $206.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Ford Escape | $280 | $438 | $316 | $1,170 |
| 2019 Ford Escape | $268 | $422 | $332 | $1,158 |
| 2018 Ford Escape | $256 | $418 | $338 | $1,148 |
| 2017 Ford Escape | $248 | $408 | $354 | $1,146 |
| 2016 Ford Escape | $240 | $390 | $364 | $1,130 |
| 2015 Ford Escape | $226 | $378 | $376 | $1,116 |
| 2014 Ford Escape | $218 | $350 | $384 | $1,088 |
| 2013 Ford Escape | $208 | $330 | $388 | $1,062 |
| 2012 Ford Escape | $200 | $296 | $390 | $1,022 |
| 2011 Ford Escape | $188 | $272 | $390 | $986 |
| 2010 Ford Escape | $180 | $254 | $394 | $964 |
Driver Age
Driver age can have a significant effect on Ford Escape auto insurance rates. For example, 20-year-old drivers pay $1,431 more for their Ford Escape auto insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Ford Escape insurance rates. For example, drivers in Los Angeles may pay $168 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Ford Escape auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Escape auto insurance rates with violations on their driving record.
Ford Escape Safety Ratings
The Ford Escape’s safety ratings will affect your Ford Escape auto insurance rates. See the chart below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Ford Escape Crash Test Ratings
Ford Escape crash test ratings can impact your Ford Escape auto insurance rates. See Ford Escape crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Ford Escape SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Escape SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Escape PHEV SUV FWD | N/R | N/R | N/R | N/R |
| 2020 Ford Escape HEV SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Escape HEV SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Escape SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Escape SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Escape SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Escape SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Escape SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Escape SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Escape SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Ford Escape SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Ford Escape Safety Features
Having a variety of safety features on your Ford Escape can help lower your Ford Escape insurance costs. The Ford Escape’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Ford Escape Insurance Loss Probability
The Ford Escape’s insurance loss probability varies for each form of coverage. The lower percentage means lower Ford Escape auto insurance rates; higher percentages mean higher Ford Escape auto insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | -20% |
|---|---|
| Property Damage | -9% |
| Comprehensive | -17% |
| Personal Injury | -6% |
| Medical Payment | -6% |
| Bodily Injury | -8% |
| Source: Insurance Institute for Highway Safety | |
Ford Escape Finance and Insurance Cost
If you are financing a Ford Escape, most lenders will require your carry higher Ford Escape coverage options including comprehensive coverage, so be sure to shop around and compare Ford Escape auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on Ford Escape Insurance
There are many ways that you can save on Ford Escape auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Ford Escape auto insurance rates low.
- Make Sure You’re Raising a Safe Driver
- Pay Your Ford Escape Insurance Rates Upfront
- Compare Ford Escape Insurance Rates Online
- Compare Ford Escape Insurance Rates for Free Online
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
Top Ford Escape Insurance Companies
Several top auto insurance companies offer competitive rates for the Ford Escape rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Ford Escape drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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