Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 17, 2020

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Here's what you need to know...

  • The Ford Escape is a relatively affordable compact SUV
  • The average Ford Escape car insurance rates for full coverage are $110/mo
  • It offers several innovative safety features
  • The hybrid model boasts improved fuel economy


Ford Escape insurance rates are around $349 less than the average vehicle with full coverage costing about $1,170 a year or $98 a month.Good drivers can save up to $482 a year in policy discounts by practicing safe driving habits.

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 options from some of the best car insurance companies by using our free online tool now. Enter your ZIP code to get started.

Ford Escape Insurance Cost

Is a ford escape expensive to insure? The average car insurance costs for a Ford Escape are $1,170 a year or $98 a month.

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Are Ford Escapes Expensive to Insure?

Is a Ford Escape expensive to insure? The chart below details how Ford Escape insurance rates compare to other crossovers like the Audi SQ5, Toyota RAV4, and Infiniti QX30.

Vehicle Comprehensive Collision Liability Total
Ford Escape $280 $438 $316 $1,170
Audi SQ5 $394 $774 $264 $1,542
Toyota RAV4 $280 $482 $390 $1,310
Infiniti QX30 $344 $686 $398 $1,586
Hyundai Kona $280 $500 $316 $1,232
Kia Niro $282 $478 $398 $1,316
Chevrolet Trax $280 $470 $372 $1,280
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What is the cheapest car to insure among these crossovers? What SUV is the cheapest to insure? The Ford Escape is actually the cheapest to insure among these vehicles.

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Escape Car 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 cost $1,170, while 2010 Ford Escape 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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2016 or 2014 Ford Escape insurance costs more than 2009, 2008, or 2011 Ford Escape insurance costs. It makes sense, as the value of the vehicle decreases with time.

If you have an older vehicle and want to see how it’s depreciated, a good place is over at Kelley Blue Book. This is partly how insurance companies determine your rates.

Driver Age

Driver age can have a significant impact on Ford Escape car insurance rates. For example, 20-year-old drivers pay approximately $1,431 more each year for their Ford Escape car insurance than 30-year-old drivers.

The table below shows average rates across the country by age and gender.

Here's What You Need to Know: Jeep Compass
Jeep Compass SummaryDetailsSource
Comprehensive rate average$294.00Quadrant information Services
Liability rate average$372.00Quadrant information Services
Collision rate average$500.00Quadrant information Services
Fair Market Range (2020)$23,238-$27,621 Kelley Blue Book
Average Cost of Repairs$526/yearRepairPal
Overall Safety Ratings:GoodInsurance Institute for Highway Safety
Fatality Rate For Vehicle's Size Group21%Insurance Institute for Highway Safety
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As you can see, 17-year-old drivers have the highest rates as they’re considered to be high-risk with little driving experience. Older drivers get better rates.

Driver Location

Where you live can have a large impact on car insurance rates for your Ford Escape.

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 car 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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The Ford Escape has overall good ratings, which is great news for your car insurance rates. Insurance companies look at these ratings because good safety ratings usually translates to fewer injury claims.

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
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The Ford Escape has good crash test rating as well, with most coming in at four or five stars out of a maximum of five.

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 car 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

Insurers like to see a vehicle with lots of safety features because they lower the likelihood of injury or death in an accident which means they won’t have to pay out as much in insurance claims.

Ford Escape Insurance Loss Probability

The lower percentage means lower Ford Escape car insurance costs; higher percentages mean higher Ford Escape car insurance costs. Compare the following Ford Escape car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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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These rates are all lower than average which translates to better car insurance rates.

Ford Escape Finance and Insurance Cost

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

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Ways to Save on Ford Escape Insurance

You can save more money on your Ford Escape car insurance rates by employing any of the following five strategies.

  • Understand that Your Insurer Can Change Your Ford Escape Car Insurance Rates Mid-Term for Other Reasons
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Don’t Assume your Ford Escape is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Ask About Usage-Based Insurance for Your Ford Escape
  • Avoid the Temptation to File a Claim for Minor Incidents

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 car insurance coverage (ordered 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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Many of these companies offer discounts for security systems and other safety features that the Ford Escape offers.

Compare Free Ford Escape Insurance Quotes Online

Start comparing Ford Escape car insurance quotes for free by using our convenient online comparison tool.

Calculating how much car insurance would cost for a Ford Escape means considering an additional 10% to 12% of total out-of-pocket ownership expenses for a four to five year period.

Ford Escapes are a huge hit among some consumers because of this smaller SUV’s ability to defray gas costs. Therefore, the total cost of ownership including the car insurance for a Ford Escape, over the lifetime of the vehicle, may seem a worthwhile deal.

U.S. News and World Reports hails the Escape as the fifth most affordable compact SUV. This conclusion was made after the analysis of more than 15 published reviews and it included a comparison of 24 vehicles.

Driving an affordable vehicle will always work in the favor of consumers when they are trying to save on car insurance costs.

To find Ford Escape car insurance quotes, just enter your ZIP code into our free car insurance comparison tool below.

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What are Some New Safety Features of the Ford Escape?

The latest version of the Escape comes standard with added safety features including:

  • a rear view camera
  • SYNC system that includes traffic direction and other information
  • integration of blind spot rear view mirror

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What Are Ford Escape Hybrid and Car Insurance Costs?

Although many believe that the environment will improve when more consumers make the switch to hybrid vehicles, those that have chosen to purchase the Escape hybrid may also enjoy the savings of low-cost car insurance for hybrids.

A first, drivers may consider the Escape hybrid just for the aesthetics and gas savings but the potential insurance savings may be the tipping point for purchasing.

Ford Escape insurers give hybrid drivers discounts because of two main reasons.

  1. Consumers meet the standards for the category of “preferred drivers” insurance.
  2. Such customers are usually married and are older drivers.

Although some critics say that it is outdated in interior amenities compared to newer, sporty SUVs, those that drive the Ford Escape reap the following benefits:

  • Discounted premiums for car insurance, up to 10%
  • Up to $2,000 savings for a one-time income tax credit
  • Less fuel usage for the environment and economy

The U.S. Department of Energy notes how important it is to explore new energy sources, and car insurance companies are taking note.

How Do I Find Cheap Ford Escape Car Insurance Rates?

Although car insurance discounts for car insurance are available, it’s vital that consumers shop around for insurance quotes. To discover the best Ford Escape car insurance cost, the most efficient and simple way is to do online comparisons from different companies.

As of 2016, the Ford Escape has received National Highway Traffic Safety Administration (NHTSA) Drivers Crash Rating of four out of five. Does this crash test rating mean that it is possible for those that have purchased the newer model Ford Escape to avoid higher car insurance cost?

There are large and well-known insurance companies that clearly support the crash test ratings of both the Insurance Institute for Highway Safety (IIHS) and Highway Loss Data Institute (HLDI).

With the Ford Escape receiving a G/Good rating for 2016 models for the structural safety cage, it is possible that these marks will mean a decrease in car insurance.

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Frequently Asked Questions – Ford Escape Insurance Rates

#1 – Is Metromile a good insurance?

Are you an infrequent driver or do you just have a short commute?

DataUSA notes that the average commute in the U.S. is 25.7 minutes. If you live pretty close to your job (or telecommute) pay-per-miles coverage may be good for you.

This video talks about Metromile, one option for this type of coverage.

But if you have a longer commute, it probably is not cost-effective for you to get pay-per-mile coverage and traditional car insurance may be a better option for you.

Enter your ZIP below to start comparing quotes for Ford Escape car insurance now!