How Much is Insurance for a Ford Escape?

The cost of Ford Escape insurance rates are $1,170 a year, or $98 a month on average. A liability-only policy costs around $469 a year or $39 each month. Ford Escape insurance costs around $349 less per year than the average vehicle. Good drivers can save up to $482 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 about $349 less per year than the average vehicle with full coverage costing around $1,170 a year or $98 a month. Drivers of an older Ford Escape may opt for liability-only coverage which costs around $469 a year or $39 a month.

Good drivers can save up to $482 a year in policy discounts by being safe and courteous drivers. Let’s take 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 auto insurance rates for a Ford Escape cost $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 Lincoln MKT, Nissan Murano, and BMW X6.

Vehicle Comprehensive Collision Liability Total
Ford Escape $280 $438 $316 $1,170
Lincoln MKT $370 $626 $450 $1,626
Nissan Murano $294 $512 $390 $1,354
BMW X6 $432 $834 $398 $1,822
Toyota C-HR $254 $452 $258 $1,074
Chevrolet Trax $280 $470 $372 $1,280
Hyundai Tucson $294 $470 $372 $1,294
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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?

You might have noticed that there is a multitude of factors that impact Ford Escape car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Ford Escape.

Age of the Vehicle

Older Ford Escape models generally cost less to insure. For example, car 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
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Driver Age

Driver age can have a significant impact on the cost of Ford Escape auto insurance. For example, 20-year-old drivers pay as much as $1,482 more each year for their Ford Escape auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Escape insurance rates. For example, drivers in New York may pay $714 a year more than drivers in Seattle.

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 car insurance with violations on their driving record.

Ford Escape Safety Ratings

Your Ford Escape car insurance rates are tied to the safety ratings of the Ford Escape. 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
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Ford Escape Crash Test Ratings

Ford Escape crash test ratings can impact the cost of your Ford Escape car insurance. 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
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Ford Escape Safety Features

Most drivers don’t realize that not only do Ford Escape safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Ford Escape auto insurance rates. 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

Review the Ford Escape car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. 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
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Ford Escape Finance and Insurance Cost

If you are financing a Ford Escape, most lenders will require your carry higher Ford Escape coverages including comprehensive coverage, so be sure to compare Ford Escape car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Escape Insurance

Although it may seem like your Ford Escape car insurance rates are set, there are a few measures that you can take to secure the best Ford Escape car insurance rates possible. Take a look at the following five ways to save on Ford Escape auto insurance.

  • Understand that Insurance Companies Can’t Change Your Ford Escape Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Don’t Always Pick the Cheapest Ford Escape Insurance Policy
  • Choose Automatic Payments or EFT for Your Ford Escape Insurance Policy
  • Move to an Area with Better Weather
  • Understand that Your Insurer Can Change Your Ford Escape Auto Insurance Rates Mid-Term for Other Reasons

Top Ford Escape Insurance Companies

Who is the top car 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
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Compare Free Ford Escape Insurance Quotes Online

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.

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