Ford Escape Car Insurance Cost 2025
Getting insurance for a Ford Escape typically costs $928 per year on average. However, the exact cost can vary depending on factors such as your age, the year of your car model, your location, and other considerations. To get an estimate specific to your situation, you can use our quote tables below.
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If you’re thinking about buying a Ford Escape, one crucial consideration is the insurance cost. On average, insurance for a Ford Escape costs $928 per year. Insurance plays a big role in car ownership, so it’s vital to understand the expenses before making your decision.
Choosing the right insurance policy is important to avoid unexpected and potentially expensive bills in case of accidents. You wouldn’t want to be underinsured and face hefty costs out of pocket. Plus, if you’re at fault in an accident, your premiums could go up.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors like your age, driving history, and location significantly impact insurance premiums.
How Much Does A Ford Escape Car Insurance Cost?
Typically, Ford Escape drivers can expect car insurance to cost around $928 per year on average.
It’s important to understand that the cost of car insurance can vary significantly depending on various factors. These include your location, driving history, the model year of your vehicle, and the specific coverage options you choose. Maintaining a clean driving record can lead to lower premiums, while a history of accidents or traffic violations may result in higher costs. Additionally, living in an urban area with heavy traffic often leads to higher insurance rates compared to rural areas with less congestion.
The type of coverage you select also plays a role—comprehensive insurance, which covers both comprehensive and collision, typically costs more than minimum liability coverage. As shown in the table below, the cost of insurance for a Ford Escape is lower than the average cost of all Ford models, though it is still higher than the average cost for all cars.
Insuranceopedia can help you compare quotes from various auto insurance providers to find the best deal tailored to your needs.
| Vehicle | Average Monthly Premium |
| Ford Escape | $139 |
| All Fords | $163 |
| All Cars | $175 |
Average Insurance Cost Of Ford Escape By Model Year
| Model Year | Average Premium |
| 2024 Ford Escape | $1,238 |
| 2023 Ford Escape | $948 |
| 2022 Ford Escape | $676 |
| 2021 Ford Escape | $554 |
| 2020 Ford Escape | $595 |
| 2019 Ford Escape | $435 |
| 2018 Ford Escape | $674 |
| 2017 Ford Escape | $323 |
| 2016 Ford Escape | $447 |
| 2015 Ford Escape | $345 |
| 2014 Ford Escape | $494 |
| 2013 Ford Escape | $326 |
| 2012 Ford Escape | $429 |
| 2011 Ford Escape | $454 |
| 2010 Ford Escape | $336 |
2024 Ford Escape Insurance Rates
The average annual insurance cost for a 2024 Ford Escape is $1,238. However, Travelers offers the cheapest rates, averaging $928 per year.
| Insurance Provider | Average Annual Cost |
| Chubb | $1,478 |
| Esurance | $1,175 |
| 21st Century | $1,467 |
| Nationwide | $1,016 |
| Mercury | $1,353 |
| USAA | $1,274 |
| Wolverine Mutual | $1,296 |
| Travelers | $928 |
| SECURA Insurance | $969 |
| Hastings Mutual Insurance Co | $1,421 |
2023 Ford Escape Insurance Rates
The average annual insurance cost for a 2023 Ford Escape is $948. However, Texas Farm Bureau Group offers the cheapest rates, averaging $699 per year.
| Insurance Provider | Average Annual Cost |
| GMAC Insurance Group | $1,068 |
| SECURA Insurance | $1,064 |
| Safeco | $840 |
| Nationwide | $1,026 |
| North Carolina Farm Bureau | $895 |
| Texas Farm Bureau Group | $699 |
| National General Value | $751 |
| Utica National Ins Group | $1,033 |
| Titan | $1,089 |
| New York Central Mutual Fire | $1,010 |
2022 Ford Escape Insurance Rates
The average annual insurance cost for a 2022 Ford Escape is $676. However, TPlymouth Rock offers the cheapest rates, averaging $194 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $973 |
| Mercury Insurance Company | $602 |
| Patriot Group | $958 |
| ALFA | $711 |
| NatGen Custom 360 | $407 |
| AssuranceAmerica | $913 |
| American National P | $584 |
| Safeco | $454 |
| Plymouth Rock | $194 |
| Titan | $965 |
2021 Ford Escape Insurance Rates
The average annual insurance cost for a 2021 Ford Escape is $554. However, Kemper Auto Premium offers the cheapest rates, averaging $154 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $654 |
| Dairyland Broadform | $533 |
| National General RAD | $666 |
| NatGen Custom 360 | $197 |
| SafeAuto | $491 |
| Kemper Auto Premium | $154 |
| Safety Group | $741 |
| Safeco | $511 |
| American National P | $720 |
| Norfolk and Dedham Group | $773 |
2020 Ford Escape Insurance Rates
The average annual insurance cost for a 2020 Ford Escape is $595. However, Kemper Personal Insurance offers the cheapest rates, averaging $112 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $347 |
| AssuranceAmerica Mobile Max | $545 |
| Mercury Insurance | $855 |
| Safeco | $400 |
| Commerce Group Inc | $990 |
| Concord Group | $864 |
| NatGen Custom 360 | $333 |
| Titan | $1,011 |
| Kemper Personal Insurance | $112 |
| American National P | $495 |
2019 Ford Escape Insurance Rates
The average annual insurance cost for a 2019 Ford Escape is $595. However, Kemper Personal Insurance offers the cheapest rates, averaging $36 per year.
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $741 |
| Kemper Personal Insurance | $36 |
| Concord Group | $723 |
| AssuranceAmerica Mobile Max | $315 |
| NatGen Custom 360 | $271 |
| Dairyland Broadform | $630 |
| Jupiter Auto Insurance | $130 |
| American National P | $580 |
| Dairyland FR Bond | $456 |
| Safeco | $466 |
Find Affordable Ford Escape Insurance Rates
2018 Ford Escape Insurance Rates
The average annual insurance cost for a 2018 Ford Escape is $674. However, Kemper Auto | Infinity offers the cheapest rates, averaging $32 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $846 |
| NatGen PPA | $860 |
| SECURA Insurance | $938 |
| Mercury Insurance | $642 |
| IMT Insurance Company | $949 |
| Safeco | $400 |
| NatGen Value | $510 |
| American National P | $711 |
| Kemper Auto | Infinity | $32 |
| Buckeye Insurance Group | $855 |
2017 Ford Escape Insurance Rates
The average annual insurance cost for a 2017 Ford Escape is $323. However, Kemper Auto | Infinity offers the cheapest rates, averaging $102 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $612 |
| Dairyland FR Bond | $423 |
| Safeco | $230 |
| Kemper Personal Insurance | $450 |
| NatGen Custom 360 | $299 |
| Kemper Auto Premium | $113 |
| Union Mutual Fire Group | $692 |
| AssuranceAmerica Mobile Max | $181 |
| Kemper Auto | Infinity | $102 |
| Dairyland Auto 1 Month | $124 |
2016 Ford Escape Insurance Rates
The average annual insurance cost for a 2016 Ford Escape is $447. However, Kemper Personal Insurance offers the cheapest rates, averaging $54 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $173 |
| NatGen Custom 360 | $334 |
| Concord Group | $694 |
| Mercury Insurance | $441 |
| Countryway Insurance | $753 |
| Safeco | $159 |
| Dairyland Broadform | $628 |
| Kemper Personal Insurance | $54 |
| American National P | $593 |
| Union Mutual Fire Group | $642 |
2015 Ford Escape Insurance Rates
The average annual insurance cost for a 2015 Ford Escape is $345. However, Kemper Personal Insurance offers the cheapest rates, averaging $23 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $115 |
| Union Mutual Fire Group | $610 |
| Safeco | $163 |
| NatGen Advantage | $377 |
| NatGen Custom 360 | $255 |
| NatGen PPA | $517 |
| Mercury Insurance | $568 |
| Dairyland Auto 1 Month | $388 |
| Dairyland FR Bond | $434 |
| Kemper Personal Insurance | $23 |
2014 Ford Escape Insurance Rates
The average annual insurance cost for a 2014 Ford Escape is $494. However, Safeco offers the cheapest rates, averaging $112 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $260 |
| SECURA Insurance | $822 |
| American National P | $717 |
| NatGen Custom 360 | $160 |
| AssuranceAmerica Mobile Max | $467 |
| Union Mutual Fire Group | $680 |
| Kemper Personal Insurance | $265 |
| Dairyland Broadform | $640 |
| NatGen PPA | $820 |
| Safeco | $112 |
2013 Ford Escape Insurance Rates
The average annual insurance cost for a 2013 Ford Escape is $326. However, Kemper Personal Insurance offers the cheapest rates, averaging $69 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto 1 Month | $423 |
| AssuranceAmerica Mobile Max | $167 |
| American National P | $535 |
| Dairyland FR Bond | $444 |
| NatGen Custom 360 | $322 |
| Mercury Insurance | $522 |
| Dairyland Broadform | $482 |
| Safeco | $149 |
| Kemper Auto Premier | $150 |
| Kemper Personal Insurance | $69 |
2012 Ford Escape Insurance Rates
The average annual insurance cost for a 2012 Ford Escape is $429. However, Kemper Personal Insurance offers the cheapest rates, averaging $132 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $442 |
| Mercury Insurance | $469 |
| Safeco | $238 |
| Dairyland FR Bond | $407 |
| Kemper Personal Insurance | $132 |
| NatGen Value | $676 |
| Dairyland Broadform | $543 |
| American National P | $613 |
| NatGen Custom 360 | $342 |
2011 Ford Escape Insurance Rates
The average annual insurance cost for a 2011 Ford Escape is $454. However, Kemper Personal Insurance offers the cheapest rates, averaging $94 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $279 |
| Safeco | $176 |
| Kemper Personal Insurance | $94 |
| Dairyland Broadform | $192 |
| American National P | $780 |
| North Carolina Farm Bureau | $781 |
| Mercury Insurance | $392 |
| SECURA Insurance | $721 |
| Dairyland FR Bond | $268 |
| Texas Farm Bureau Group | $858 |
2010 Ford Escape Insurance Rates
The average annual insurance cost for a 2010 Ford Escape is $336. However, Dairyland Auto 1 Month offers the cheapest rates, averaging $86 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $576 |
| American National P | $489 |
| Utica National Ins Group | $731 |
| Dairyland Auto 1 Month | $86 |
| Safeco | $199 |
| Mercury Insurance | $223 |
| Dairyland Broadform | $170 |
| Dairyland FR Bond | $265 |
| NatGen Custom 360 | $258 |
| Kemper Auto Premier | $361 |
Find Affordable Ford Escape Insurance Rates
Is A Ford Escape Expensive To Insure?
The cost to insure a Ford Escape is lower than the overall average for all cars, which can make it an affordable option for many drivers. However, the actual amount you’ll pay for car insurance will depend on several factors, including your age, the age of your vehicle, where you live, your driving history, and the coverage options you choose. Younger drivers and drivers in urban areas typically face higher premiums, while older drivers and those in rural areas may benefit from lower rates. Additionally, opting for higher coverage limits or adding extra coverage types, like comprehensive or collision insurance, may increase your premium. It’s always a good idea to compare quotes from different providers to ensure you’re getting the best rate for your specific circumstances.
Cost of Ford Escape Car Insurance By Age
Age is a major factor in determining car insurance rates. Teen drivers tend to have the highest premiums, as they are statistically more likely to be involved in accidents due to inexperience and higher risk-taking behavior. As drivers age and gain more experience, they typically become less of a risk to insurance companies, which results in lower premiums. In general, insurance costs tend to decrease significantly after reaching the age of 25, and continue to remain relatively stable for older drivers until they reach a certain age (around 70 or older) when premiums may rise again due to factors like declining health and reflexes.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,664 | $9,832 | $11,449 |
| 18 | $6,211 | $9,105 | $10,733 |
| 19 | $5,456 | $8,075 | $9,414 |
| 20 | $4,750 | $7,017 | $8,261 |
| 21 | $4,009 | $5,907 | $6,878 |
| 22 | $3,961 | $5,760 | $6,683 |
| 23 | $3,451 | $4,996 | $5,926 |
| 24 | $3,282 | $4,808 | $5,614 |
| 25 | $2,837 | $4,105 | $4,865 |
| 30 | $2,167 | $3,215 | $3,752 |
| 35 | $2,090 | $2,987 | $3,478 |
| 40 | $1,983 | $2,859 | $3,367 |
| 45 | $1,937 | $2,838 | $3,294 |
| 55 | $1,721 | $2,545 | $2,981 |
| 65 | $1,839 | $2,693 | $3,119 |
| 75 | $2,278 | $3,417 | $3,973 |
Ford Escape Car Insurance Rates By State
Where you live significantly influences your car insurance rates. Each state has its own insurance regulations, which can impact premiums. For example, Michigan is known for higher premiums because the state requires higher levels of coverage, including personal injury protection (PIP).
Additionally, climate plays a role. States prone to extreme weather conditions, like hurricanes in Florida or heavy snow in northern states, tend to have higher rates due to the increased risk of weather-related damage. Similarly, areas with high crime rates or frequent car accidents often face higher insurance costs. Locations with higher instances of theft, collisions, and fatalities contribute to the overall risk for insurers, which in turn affects the premiums drivers must pay.
Insurance companies take all of these regional factors—weather, crime rates, and accident statistics—into account when determining the cost of your insurance.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,110 | $3,000 | $3,864 |
| Alaska | $1,721 | $2,371 | $2,327 |
| Arizona | $1,977 | $2,814 | $4,202 |
| Arkansas | $2,160 | $3,321 | $3,736 |
| California | $2,352 | $4,170 | $2,352 |
| Colorado | $2,269 | $3,154 | $3,918 |
| Connecticut | $2,876 | $4,443 | $5,610 |
| Delaware | $2,329 | $3,105 | $4,016 |
| Florida | $2,825 | $3,872 | $5,028 |
| Georgia | $2,285 | $3,458 | $3,397 |
| Hawaii | $909 | $1,247 | $931 |
| Idaho | $1,620 | $2,135 | $2,539 |
| Illinois | $1,680 | $2,558 | $2,859 |
| Indiana | $1,710 | $2,592 | $2,910 |
| Iowa | $1,318 | $1,808 | $2,161 |
| Kansas | $1,785 | $2,578 | $3,056 |
| Kentucky | $2,575 | $3,788 | $4,494 |
| Louisiana | $3,336 | $5,064 | $5,431 |
| Maine | $1,309 | $1,748 | $2,611 |
| Maryland | $2,042 | $3,015 | $3,260 |
| Massachusetts | $1,610 | $2,839 | $1,628 |
| Michigan | $3,973 | $6,045 | $9,475 |
| Minnesota | $1,587 | $2,152 | $3,015 |
| Mississippi | $2,011 | $2,822 | $2,868 |
| Missouri | $1,843 | $2,626 | $3,434 |
| Montana | $1,873 | $2,664 | $3,062 |
| Nebraska | $1,606 | $2,400 | $2,587 |
| Nevada | $2,598 | $3,843 | $4,085 |
| New Hampshire | $1,861 | $2,835 | $3,633 |
| New Jersey | $2,053 | $3,185 | $4,145 |
| New Mexico | $2,025 | $3,071 | $3,208 |
| New York | $1,928 | $2,357 | $3,951 |
| North Carolina | $1,166 | $1,999 | $1,426 |
| North Dakota | $1,600 | $2,405 | $2,883 |
| Ohio | $1,431 | $2,214 | $2,288 |
| Oklahoma | $2,262 | $3,271 | $3,684 |
| Oregon | $2,138 | $2,812 | $3,367 |
| Pennsylvania | $1,717 | $2,544 | $3,047 |
| Rhode Island | $2,944 | $4,340 | $4,871 |
| South Carolina | $1,967 | $2,802 | $3,854 |
| South Dakota | $1,767 | $2,581 | $2,995 |
| Tennessee | $2,138 | $3,084 | $4,128 |
| Texas | $2,080 | $3,076 | $3,793 |
| Utah | $1,802 | $2,494 | $3,509 |
| Vermont | $1,362 | $2,186 | $2,260 |
| Virginia | $1,296 | $2,025 | $1,962 |
| Washington | $1,762 | $2,323 | $2,814 |
| West Virginia | $1,741 | $2,539 | $3,171 |
| Wisconsin | $1,711 | $2,693 | $3,065 |
| Wyoming | $1,585 | $2,253 | $2,436 |
Find Affordable Ford Escape Insurance Rates
Cheapest Car Insurance Companies For A Ford Escape
If you’re looking for the most affordable car insurance for your Ford Escape, AnswerFinancial offers a premium of $33 per month, making them one of the cheapest providers. However, keep in mind that insurance rates can vary depending on several factors such as your driving history, age, location, and coverage preferences. For the most accurate rate for your profile, it’s a good idea to shop around and compare quotes from multiple providers to ensure you’re getting the best deal.
| Company | Average Monthly Rate |
| Ohio Mutual | $36 |
| Verti | $38 |
| AnswerFinancial | $33 |
| Oasis | $34 |
| StateAuto | $33 |
Common Ford Escape Insurance Discounts
Discounts are an excellent way to reduce your car insurance costs. Here are some common discounts you can check for:
- Multi-policy: If you bundle your home and auto insurance policies with the same provider, you may qualify for a discounted rate.
- Pay annually: Opting to pay your entire premium upfront rather than monthly installments can often save you money.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for lower premiums.
There may be additional discounts available depending on the provider. It’s a good idea to talk to your insurance agent to find out which discounts apply to your specific situation.
Ways To Save On Ford Escape Insurance Costs
Maintaining a clean driving record is essential for keeping your Ford Escape insurance costs low. Traffic violations, such as speeding tickets, or being involved in accidents can significantly raise your premiums. For instance, drivers with a ticket on their record can expect to pay around $90 per month, while those with multiple accidents may see their premiums increase to $128 per month.
Additionally, drivers who have low annual mileage tend to pay less for insurance. Since they are on the road less often, they have fewer chances of being involved in an accident, making them a lower risk for insurers. For example, Ford Escape drivers who drive between 5,001-7,500 miles per year can expect to pay about $69 per month, while those who drive more than 10,000 miles annually will pay around $78 per month.
Compare Ford Escape To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To calculate the average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the actual rates may vary for you, as individual factors such as age, driving history, location, and the specific car model can influence your premium.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Ford Escape?
Yes, you will need to provide proof of insurance before you can drive your Ford Escape off the dealership lot. The best approach is to purchase a policy in advance and then notify your insurance company that you are about to buy your car. This way, you’ll have the required coverage in place, and you won’t have to rely on dealership-provided insurance, which might not always offer the best rates or coverage options.
How Can You Get The Cheapest Insurance For Your Ford Escape?
The best way to find the most affordable rates for your Ford Escape is by shopping around and comparing quotes from various auto insurance providers. Fortunately, Insuranceopedia makes this process easier by allowing you to compare quotes from multiple providers directly on our website, ensuring you find the best deal tailored to your needs.
