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Ford Escape Insurance Rates [Coverage Guide]

The average Ford Escape insurance rates are $98/mo for full coverage and $39/mo for liability-only policies. The Ford Escape trim and model you choose will affect the total price you will pay for Ford Escape insurance coverage.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 31, 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 around $349 less than the average vehicle with full coverage averaging $1,170 a year or $98 a month. The driver of an older escape may opt for liability-only coverage which averages $469 a year or $39 a month.

We’ll be taking a look at Ford Escape insurance rates, safety ratings, and more.

You can start comparing quotes for Ford Escape car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Escape Insurance Cost

The average Ford Escape car insurance rates 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 Lexus NX 300, Kia Niro, and MINI Clubman.

Vehicle Comprehensive Collision Liability Total
Ford Escape $280 $438 $316 $1,170
Lexus NX 300 $376 $688 $372 $1,594
Kia Niro $282 $478 $398 $1,316
MINI Clubman $320 $506 $398 $1,382
BMW X6 $432 $834 $398 $1,822
Honda HR-V $294 $532 $372 $1,356
FIAT 500X $256 $506 $450 $1,392

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 car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Ford Escape are $1,170, while 2010 Ford Escape rates 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 the cost of Ford Escape car insurance. For example, a 20-year-old driver could pay around $119 more each month for their Ford Escape car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Ford Escape insurance rates. For example, drivers in Phoenix may pay $644 a year less than drivers in Los Angeles.

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

Your Ford Escape auto insurance rates are influenced by the Ford Escape’s safety ratings. See the breakdown 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

The crash test ratings of the Ford Escape can impact your Ford Escape car insurance rates.

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

Ford Escape safety features can lower the cost of your insurance. The safety features for the 2020 Ford Escape 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 between different coverage types. The lower percentage means lower Ford Escape auto insurance costs; higher percentages mean higher Ford Escape auto insurance costs.

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, you will pay more if you purchase Ford Escape auto insurance at the dealership, so be sure to shop around and compare Ford Escape auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Ford Escape Insurance

Drivers can end up saving more money on their Ford Escape car insurance rates by employing any one of the following strategies.

  • Use a Service Like Turo to Rent Out Your Ford Escape
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Take Public Transit Instead of Driving Your Ford Escape
  • Take a Refresher Course as an Older Driver
  • Use an Accurate Job Title When Requesting Ford Escape Auto Insurance

Top Ford Escape Insurance Companies

Who is the top auto insurance company for Ford Escape insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Escape auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Escape offers.

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

Compare Free Ford Escape Insurance Quotes Online

To start comparing Ford Escape car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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