Insurance premiums for a Ford Escape average $147 monthly for full coverage and $76 for minimum coverage. Your specific trim and model year determine where you'll fall within the $46 to $221 monthly range.
Ford Escape Insurance Cost
Updated: January 13, 2026
Key Takeaways
GEICO offers the most affordable Ford Escape insurance on average. Full coverage costs around $147 monthly. Read more
The Ford Escape ranks 37th out of 256 SUVs for insurance affordability. SUVs have higher premiums due to increased repair costs and theft risk compared to other vehicle types. Read more
Getting accurate rates means checking costs for your Escape's specific model year and age. Read more.
How Much Is Ford Escape Insurance?
| Ford Escape | $76 | $147 |
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Your Ford Escape's age plays a major role in determining insurance costs, with monthly premiums ranging from $47 for older models to $200 for the newest versions. Newer Escapes cost significantly more to insure because they're worth more money if you need to replace them.
$100 | $195 | |
$103 | $200 | |
$69 | $134 | |
$63 | $122 | |
$54 | $105 | |
$47 | $92 | |
$80 | $154 | |
$86 | $166 | |
$78 | $150 | |
$78 | $151 | |
2015 | $74 | $142 |
2014 | $79 | $152 |
2013 | $72 | $139 |
2012 | $74 | $142 |
2011 | $78 | $150 |
2010 | $72 | $140 |
2009 | $72 | $139 |
2008 | $69 | $132 |
2007 | $70 | $135 |
2006 | $71 | $136 |
2005 | $101 | $194 |
2004 | $94 | $180 |
2003 | $90 | $172 |
2002 | $81 | $156 |
2001 | $71 | $136To run code, enable code execution and file creation in Settings > Capabilities.Claude is AI and can make mistakes. Please double-check responses. |
Insurance costs for a Ford Escape depend on model year and company. Full coverage goes from $112 monthly with GEICO to $275 with AIG, while minimum coverage ranges from $52 with GEICO to $136 with UAIC.
Ford Escape owners should shop between insurers since minimum coverage varies by over $84 and full coverage by over $163. Each company calculates risk differently for the Ford Escape, affecting your final quote.
| AAA | $86 | $178 |
| AIG | $112 | $275 |
| Allstate | $98 | $189 |
| Amica | $97 | $198 |
| Chubb | $108 | $211 |
| Farmers | $107 | $188 |
| Geico | $52 | $112 |
| Kemper | $78 | $158 |
| Nationwide | $83 | $144 |
| Progressive | $76 | $142 |
| State Farm | $67 | $139 |
| The Hartford | $89 | $151 |
| Travelers | $68 | $125 |
| UAIC | $136 | $171 |
Is Ford Escape Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Ford Escape ranking 37th for insurance affordability, meaning 36 models cost less to insure. It sits between the slightly cheaper VinFast VF-7 and the marginally pricier Honda Element, putting it in the middle tier among SUVs. When you're comparing similar vehicles, the Escape doesn't stand out as particularly expensive or cheap within its category.
While it's middle-of-the-pack among SUVs, the Escape actually ranks 154th out of 827 total vehicles, placing it in the top half for affordability across all car types. The cheapest SUV to insure is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums in this category.
| Toyota Matrix | $110 | 34 |
| Mercury Mariner | $110 | 35 |
| VinFast VF-7 | $111 | 36 |
| Ford Escape | $111 | 37 |
| Mercury Mountaineer | $111 | 38 |
| Honda Element | $111 | 38 |
| Mitsubishi Montero | $111 | 39 |
| Jeep Cherokee | $112 | 40 |
Several factors affect what you'll pay for Ford Escape insurance:
- Average Repair or Replacement Costs: Ford Escape maintenance costs average $744 annually, ranking as the 10th most affordable model among Ford's 35 vehicles. This relatively low repair expense helps keep insurance premiums more manageable compared to costlier Ford models.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost substantially more to insure due to increased horsepower capabilities. The Ford Escape's engine options range from 168 to 250 horsepower, and insurers typically charge higher premiums for more powerful variants due to greater risk.
- Driver Profile: Most Ford Escape drivers fall between 35-50 years old with a median age around 42, typically earning lower insurance rates due to responsible driving behavior. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Ford Escapes for young drivers.
Ford Escape Costs by Model Year and Driver Age by Insurance Company
A 2016 Ford Escape costs an average of $170 per month to insure for drivers aged 35 to 55, while a 2025 model jumps to $228 monthly for the same age group. Model year and driver age impact your Ford Escape insurance costs, with newer vehicles having higher premiums. Young drivers in their teens and early twenties will pay much more across all model years.
GEICO offers the lowest rates across all Ford Escape model years and could save certain drivers hundreds of dollars per month.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Ford Escape
| Geico | $68 | $148 |
| Travelers | $86 | $158 |
| National General | $87 | $178 |
| Progressive | $90 | $169 |
| State Farm | $90 | $188 |
| Nationwide | $101 | $175 |
| Kemper | $113 | $231 |
| AAA | $123 | $254 |
| The Hartford | $124 | $212 |
| Allstate | $127 | $246 |
| Amica | $133 | $272 |
| Farmers | $152 | $268 |
| AIG | $158 | $398 |
| Chubb | $159 | $315 |
| UAIC | $169 | $212 |
2025 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $707 | $622 | $551 | $475 | $420 | $357 | $324 | $290 | $265 | $233 |
| Nationwide | $794 | $727 | $669 | $567 | $479 | $311 | $288 | $269 | $254 | $228 |
| Geico | $836 | $610 | $512 | $372 | $320 | $258 | $238 | $197 | $186 | $169 |
| Travelers | $953 | $684 | $540 | $416 | $367 | $270 | $246 | $227 | $210 | $182 |
| Allstate | $1,171 | $917 | $740 | $547 | $490 | $382 | $346 | $327 | $309 | $273 |
| Progressive | $1,223 | $988 | $820 | $458 | $400 | $322 | $287 | $256 | $236 | $203 |
| Farmers | $1,658 | $1,228 | $1,093 | $684 | $646 | $492 | $438 | $419 | $398 | $335 |
Cost of Car Insurance for 2024 Ford Escape
| Geico | $70 | $151 |
| Travelers | $88 | $162 |
| National General | $89 | $183 |
| Progressive | $93 | $173 |
| State Farm | $93 | $193 |
| Nationwide | $104 | $180 |
| Kemper | $116 | $236 |
| AAA | $126 | $261 |
| The Hartford | $128 | $218 |
| Allstate | $131 | $252 |
| Amica | $136 | $279 |
| Farmers | $156 | $275 |
| AIG | $162 | $409 |
| Chubb | $163 | $323 |
| UAIC | $173 | $218 |
2024 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $725 | $638 | $565 | $487 | $431 | $366 | $333 | $297 | $272 | $239 |
| Nationwide | $814 | $745 | $685 | $582 | $492 | $319 | $296 | $276 | $261 | $234 |
| Geico | $857 | $625 | $525 | $381 | $328 | $265 | $244 | $202 | $191 | $174 |
| Travelers | $977 | $701 | $553 | $426 | $376 | $277 | $253 | $233 | $215 | $186 |
| Allstate | $1,201 | $940 | $759 | $561 | $502 | $391 | $355 | $335 | $316 | $280 |
| Progressive | $1,254 | $1,013 | $841 | $470 | $410 | $330 | $294 | $263 | $242 | $208 |
| Farmers | $1,700 | $1,259 | $1,121 | $702 | $663 | $504 | $449 | $430 | $408 | $344 |
Cost of Car Insurance for 2023 Ford Escape
| Geico | $47 | $101 |
| Travelers | $59 | $108 |
| National General | $60 | $122 |
| Progressive | $62 | $116 |
| State Farm | $62 | $129 |
| Nationwide | $69 | $120 |
| Kemper | $77 | $158 |
| AAA | $84 | $174 |
| The Hartford | $85 | $145 |
| Allstate | $87 | $168 |
| Amica | $91 | $187 |
| Farmers | $104 | $183 |
| AIG | $108 | $273 |
| Chubb | $109 | $215 |
| UAIC | $116 | $145 |
2023 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $484 | $426 | $377 | $325 | $287 | $244 | $222 | $198 | $181 | $160 |
| Nationwide | $543 | $498 | $458 | $389 | $328 | $213 | $198 | $184 | $174 | $156 |
| Geico | $572 | $418 | $351 | $255 | $219 | $177 | $163 | $135 | $128 | $116 |
| Travelers | $652 | $468 | $370 | $285 | $251 | $185 | $169 | $156 | $144 | $124 |
| Allstate | $802 | $628 | $507 | $375 | $335 | $261 | $237 | $224 | $211 | $187 |
| Progressive | $837 | $677 | $562 | $314 | $274 | $220 | $197 | $175 | $161 | $139 |
| Farmers | $1,135 | $841 | $749 | $469 | $443 | $337 | $300 | $287 | $273 | $229 |
Cost of Car Insurance for 2022 Ford Escape
| Geico | $43 | $93 |
| Travelers | $54 | $99 |
| National General | $55 | $112 |
| Progressive | $57 | $106 |
| State Farm | $57 | $118 |
| Nationwide | $63 | $110 |
| Kemper | $71 | $145 |
| AAA | $77 | $160 |
| The Hartford | $78 | $133 |
| Allstate | $80 | $154 |
| Amica | $83 | $171 |
| Farmers | $95 | $168 |
| AIG | $99 | $250 |
| Chubb | $99 | $197 |
| UAIC | $106 | $133 |
2022 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $444 | $390 | $346 | $298 | $263 | $224 | $204 | $182 | $166 | $146 |
| Nationwide | $498 | $456 | $420 | $356 | $301 | $195 | $181 | $169 | $160 | $143 |
| Geico | $524 | $383 | $321 | $233 | $201 | $162 | $149 | $124 | $117 | $106 |
| Travelers | $598 | $429 | $339 | $261 | $230 | $169 | $155 | $143 | $132 | $114 |
| Allstate | $735 | $575 | $464 | $343 | $307 | $240 | $217 | $205 | $194 | $171 |
| Progressive | $767 | $620 | $515 | $287 | $251 | $202 | $180 | $161 | $148 | $127 |
| Farmers | $1,040 | $770 | $686 | $429 | $406 | $309 | $275 | $263 | $250 | $210 |
Cost of Car Insurance for 2021 Ford Escape
| Geico | $37 | $80 |
| Travelers | $46 | $85 |
| National General | $47 | $96 |
| State Farm | $49 | $102 |
| Progressive | $49 | $91 |
| Nationwide | $55 | $95 |
| Kemper | $61 | $125 |
| AAA | $66 | $137 |
| The Hartford | $67 | $115 |
| Allstate | $69 | $133 |
| Amica | $72 | $147 |
| Farmers | $82 | $145 |
| AIG | $85 | $215 |
| Chubb | $86 | $170 |
| UAIC | $91 | $115 |
2021 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | 382 | 336 | 298 | 257 | 227 | 193 | 175 | 157 | 143 | 126 |
| Nationwide | 429 | 393 | 361 | 307 | 259 | 168 | 156 | 145 | 137 | 123 |
| Geico | 452 | 330 | 277 | 201 | 173 | 140 | 129 | 106 | 101 | 91 |
| Travelers | 515 | 370 | 292 | 225 | 198 | 146 | 133 | 123 | 113 | 98 |
| Allstate | 633 | 495 | 400 | 296 | 265 | 206 | 187 | 177 | 167 | 147 |
| Progressive | 661 | 534 | 443 | 247 | 216 | 174 | 155 | 138 | 127 | 110 |
| Farmers | 896 | 663 | 591 | 370 | 349 | 266 | 237 | 226 | 215 | 181 |
Cost of Car Insurance for 2020 Ford Escape
| Geico | $32 | $70 |
| Travelers | $40 | $74 |
| National General | $41 | $84 |
| Progressive | $43 | $80 |
| State Farm | $43 | $89 |
| Nationwide | $48 | $83 |
| Kemper | $53 | $109 |
| AAA | $58 | $120 |
| The Hartford | $59 | $100 |
| Allstate | $60 | $116 |
| Amica | $63 | $128 |
| Farmers | $72 | $126 |
| AIG | $74 | $188 |
| Chubb | $75 | $148 |
| UAIC | $80 | $100 |
2020 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $333 | $293 | $260 | $224 | $198 | $168 | $153 | $137 | $125 | $110 |
| Nationwide | $374 | $343 | $315 | $267 | $226 | $147 | $136 | $127 | $120 | $107 |
| Geico | $394 | $287 | $241 | $175 | $151 | $122 | $112 | $93 | $88 | $80 |
| Travelers | $449 | $322 | $254 | $196 | $173 | $127 | $116 | $107 | $99 | $86 |
| Allstate | $552 | $432 | $349 | $258 | $231 | $180 | $163 | $154 | $145 | $129 |
| Progressive | $576 | $466 | $387 | $216 | $188 | $152 | $135 | $121 | $111 | $96 |
| Farmers | $781 | $579 | $515 | $322 | $305 | $232 | $206 | $197 | $188 | $158 |
Cost of Car Insurance for 2019 Ford Escape
| Geico | $51 | $111 |
| National General | $58 | $119 |
| Travelers | $67 | $123 |
| State Farm | $75 | $156 |
| The Hartford | $77 | $132 |
| Kemper | $79 | $159 |
| AAA | $82 | $168 |
| Nationwide | $89 | $154 |
| Amica | $92 | $188 |
| Progressive | $94 | $175 |
| Allstate | $97 | $187 |
| Chubb | $102 | $200 |
| AIG | $106 | $260 |
| Farmers | $115 | $204 |
| UAIC | $133 | $166 |
2019 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $588 | $518 | $458 | $395 | $349 | $297 | $270 | $241 | $220 | $194 |
| Geico | $629 | $458 | $384 | $278 | $240 | $194 | $178 | $148 | $140 | $127 |
| Nationwide | $702 | $643 | $592 | $502 | $424 | $275 | $255 | $238 | $225 | $201 |
| Travelers | $731 | $526 | $414 | $319 | $281 | $209 | $191 | $176 | $163 | $142 |
| Allstate | $898 | $704 | $566 | $416 | $373 | $291 | $264 | $250 | $235 | $208 |
| Farmers | $1,263 | $930 | $829 | $513 | $485 | $368 | $329 | $314 | $299 | $253 |
| Progressive | $1,279 | $1,031 | $854 | $476 | $415 | $335 | $299 | $266 | $245 | $210 |
Cost of Car Insurance for 2018 Ford Escape
| Geico | $57 | $122 |
| National General | $63 | $129 |
| Travelers | $76 | $139 |
| Progressive | $88 | $164 |
| State Farm | $89 | $183 |
| Kemper | $90 | $181 |
| The Hartford | $92 | $157 |
| AAA | $93 | $192 |
| Amica | $98 | $201 |
| Allstate | $99 | $190 |
| Nationwide | $106 | $182 |
| Chubb | $121 | $237 |
| Farmers | $123 | $217 |
| AIG | $125 | $312 |
| UAIC | $142 | $177 |
2018 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $691 | $503 | $423 | $306 | $264 | $213 | $196 | $163 | $154 | $140 |
| State Farm | $691 | $608 | $537 | $464 | $410 | $348 | $316 | $282 | $258 | $227 |
| Travelers | $820 | $590 | $465 | $359 | $316 | $236 | $215 | $199 | $183 | $160 |
| Nationwide | $829 | $760 | $700 | $594 | $501 | $325 | $301 | $281 | $265 | $237 |
| Allstate | $908 | $712 | $573 | $423 | $379 | $295 | $268 | $254 | $239 | $211 |
| Progressive | $1,196 | $964 | $799 | $445 | $388 | $313 | $279 | $249 | $229 | $196 |
| Farmers | $1,345 | $997 | $888 | $554 | $524 | $398 | $355 | $340 | $323 | $272 |
Cost of Car Insurance for 2017 Ford Escape
| Geico | $53 | $113 |
| National General | $58 | $118 |
| Travelers | $69 | $126 |
| State Farm | $75 | $155 |
| Kemper | $77 | $155 |
| AAA | $82 | $170 |
| Progressive | $85 | $158 |
| The Hartford | $86 | $147 |
| Nationwide | $90 | $155 |
| Amica | $92 | $188 |
| Allstate | $94 | $181 |
| Chubb | $105 | $206 |
| AIG | $110 | $269 |
| Farmers | $111 | $197 |
| UAIC | $136 | $169 |
2017 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $582 | $512 | $453 | $391 | $346 | $294 | $267 | $238 | $218 | $192 |
| Geico | $643 | $468 | $393 | $284 | $245 | $198 | $182 | $151 | $143 | $130 |
| Nationwide | $704 | $645 | $594 | $504 | $426 | $276 | $256 | $238 | $225 | $202 |
| Travelers | $743 | $536 | $422 | $326 | $287 | $214 | $196 | $180 | $166 | $145 |
| Allstate | $864 | $677 | $546 | $403 | $361 | $281 | $256 | $242 | $228 | $201 |
| Progressive | $1,157 | $931 | $771 | $429 | $374 | $303 | $269 | $240 | $221 | $190 |
| Farmers | $1,203 | $883 | $789 | $495 | $469 | $357 | $318 | $305 | $290 | $245 |
Cost of Car Insurance for 2016 Ford Escape
| Geico | $53 | $114 |
| National General | $62 | $127 |
| Travelers | $72 | $131 |
| Kemper | $76 | $153 |
| Progressive | $77 | $144 |
| State Farm | $79 | $165 |
| AAA | $84 | $173 |
| The Hartford | $86 | $146 |
| Nationwide | $90 | $155 |
| Amica | $97 | $198 |
| Allstate | $99 | $191 |
| Farmers | $108 | $189 |
| Chubb | $111 | $218 |
| AIG | $111 | $275 |
| UAIC | $136 | $169 |
2016 Ford Escape Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $620 | $545 | $482 | $416 | $367 | $312 | $284 | $253 | $231 | $204 |
| Geico | $646 | $470 | $395 | $286 | $247 | $199 | $183 | $152 | $143 | $130 |
| Nationwide | $704 | $644 | $593 | $503 | $425 | $276 | $256 | $238 | $225 | $202 |
| Travelers | $775 | $559 | $441 | $340 | $299 | $223 | $204 | $188 | $173 | $151 |
| Allstate | $907 | $710 | $573 | $425 | $380 | $296 | $269 | $254 | $240 | $212 |
| Progressive | $1,055 | $849 | $703 | $391 | $341 | $276 | $246 | $219 | $202 | $173 |
| Farmers | $1,165 | $864 | $770 | $482 | $456 | $348 | $309 | $296 | $281 | $237 |
Ford Escape Insurance Cost by Trim
Ford Escape insurance costs range from $46 monthly for minimum coverage on basic Se Sport Suv 4d models to $221 for full coverage on St-Line Elite Hybrid variants. Your trim's performance features, rarity, and market value determine where you'll fall in this range.
| Se Sport Suv 4d | $46 | $89 |
| Se Hybrid Sport Utility 4d | $56 | $109 |
| Titanium Hybrid Sport Utility 4d | $58 | $114 |
| Active Sport Utility 4d | $61 | $119 |
| Sport Utility 4d | $62 | $121 |
| Sel Hybrid Sport Utility 4d | $63 | $122 |
| Sel Sport Utility 4d | $63 | $121 |
| St-Line Hybrid Sport Utility 4d | $65 | $126 |
| Se Sport Utility 4d | $65 | $126 |
| St-Line Sport Utility 4d | $65 | $127 |
| S Sport Utility 4d | $68 | $131 |
| St-Line Select Hybrid Sport Utility 4d | $70 | $136 |
| Platinum Hybrid Sport Utility 4d | $70 | $137 |
| Xls Sport Utility 4d | $71 | $137 |
| Titanium Sport Utility 4d | $71 | $138 |
| St-Line Select Sport Utility 4d | $73 | $141 |
| St-Line Elite Hybrid Sport Utility 4d | $75 | $146 |
| St-Line Elite Sport Utility 4d | $75 | $147 |
| Platinum Sport Utility 4d | $77 | $150 |
| Xlt Sport Utility 4d | $77 | $148 |
| Xlt Sport Suv 4d | $78 | $150 |
| Hybrid Sport Utility 4d | $81 | $155 |
| Limited Sport Utility 4d | $81 | $155 |
| Active | $85 | $165 |
| Limited Hybrid Sport Utility 4d | $87 | $169 |
| St-Line | $87 | $170 |
| St-Line Hybrid | $97 | $189 |
| St-Line Select | $97 | $189 |
| St-Line Select Hybrid | $101 | $196 |
| Platinum Hybrid | $105 | $205 |
| Platinum | $107 | $208 |
| St-Line Elite | $109 | $211 |
| Escape Plug-In Hybrid | $113 | $221 |
| St-Line Elite Hybrid | $114 | $221 |
Ford Escape Insurance Cost by State
Ford Escape insurance costs range dramatically from just $27 monthly in Wyoming to $151 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything about the vehicle itself.
| Alabama | $62 | $118 |
| Alaska | $54 | $114 |
| Arizona | $89 | $165 |
| Arkansas | $61 | $137 |
| California | $73 | $149 |
| Colorado | $72 | $172 |
| Connecticut | $105 | $181 |
| Delaware | $108 | $182 |
| Florida | $99 | $228 |
| Georgia | $118 | $192 |
| Hawaii | $39 | $89 |
| Idaho | $40 | $83 |
| Illinois | $69 | $128 |
| Indiana | $48 | $95 |
| Iowa | $41 | $99 |
| Kansas | $53 | $124 |
| Kentucky | $94 | $159 |
| Louisiana | $151 | $325 |
| Maine | $38 | $80 |
| Maryland | $120 | $203 |
| Massachusetts | $77 | $164 |
| Michigan | $114 | $219 |
| Minnesota | $62 | $128 |
| Mississippi | $65 | $128 |
| Missouri | $86 | $172 |
| Montana | $52 | $124 |
| Nebraska | $54 | $124 |
| Nevada | $133 | $241 |
| New Hampshire | $52 | $92 |
| New Jersey | $126 | $207 |
| New Mexico | $62 | $138 |
| New York | $94 | $170 |
| North Carolina | $62 | $122 |
| North Dakota | $43 | $93 |
| Ohio | $57 | $110 |
| Oklahoma | $69 | $153 |
| Oregon | $92 | $160 |
| Pennsylvania | $64 | $152 |
| Rhode Island | $93 | $167 |
| South Carolina | $76 | $143 |
| South Dakota | $39 | $118 |
| Tennessee | $58 | $117 |
| Texas | $97 | $197 |
| Utah | $81 | $138 |
| Vermont | $33 | $80 |
| Virginia | $71 | $116 |
| Washington | $68 | $126 |
| West Virginia | $64 | $131 |
| Wisconsin | $48 | $106 |
| Wyoming | $27 | $83 |
How to Lower the Cost of Ford Escape Insurance
We've compiled proven strategies to help you find affordable Ford Escape insurance rates:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Ford Escape. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact SUVs like your Ford Escape. This benchmark assists with finding the cheapest car insurance companies offering competitive rates.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage options or slower customer service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Ford Escape owners typically qualify for safety features discounts, anti-theft device savings, good driver rewards and multi-vehicle discounts. Business owners in areas like Silicon Valley often bundle commercial and personal policies for additional savings. Ask about professional organization discounts and alumni association programs too.
- 5Consider alternative car insurance types
Ford Escape owners could explore usage-based insurance programs like Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics programs monitor factors like hard braking, rapid acceleration and nighttime driving. Low-mileage drivers in suburban areas often see the biggest savings from these alternative insurance plans.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting competitive rates. Your current insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your Ford Escape insurance. Set a calendar reminder each year before your policy renewal to shop around and compare offers.
Ford Escape Insurance Cost: Bottom Line
Ford Escape insurance runs affordable compared to most vehicles, giving you a solid starting point. You'll secure better rates by comparing quotes from multiple insurers, claiming available discounts and selecting appropriate coverage levels.
Ford Escape Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Escape?
Ford Escape insurance costs $909 annually for state minimum coverage and $1,759 for full coverage. These rates make it relatively affordable compared to other vehicles in its class.
What company has the cheapest car insurance for a Ford Escape?
Geico provides the most affordable auto insurance for a Ford Escape at $621 annually for minimum coverage. Full coverage seekers also get the best value with Geico at $1,343 per year.
Are Ford Escapes expensive to insure?
No, Ford Escape insurance is not expensive compared to most vehicles. Among SUVs specifically, it places 37th out of 256 for affordability, while ranking 154th out of 827 total vehicles we track.
What factors affect insurance costs for Ford Escapes?
Multiple factors influence Ford Escape insurance premiums. The vehicle ranks well for affordability, with average monthly costs of $111 compared to national averages. Your personal driving history, credit score, and selected coverage levels significantly impact rates, along with your location and annual mileage.
How can I lower Ford Escape insurance costs?
Compare quotes from several insurers since Ford Escape costs differ significantly between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same provider and keep your driving record clean to secure better rates.
How We Determined Ford Escape Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Ford Escape insurance costs.
Who We Based These Rates On
These Ford Escape prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.