Compare the Cost of Ford Escape Insurance by Model Year and Company

Full coverage Ford Escape auto insurance costs around $1,287 annually, which, for any SUV, is considered inexpensive, but costs vary based on model year, driver age and chosen insurer. State Farm has the average cheapest full and minimum coverage policy.

By Mark Fitzpatrick

Edited by Kathryn Schroeder

Updated: October 25, 2024

Advertising & Editorial Disclosure

Ford Escape drivers pay different rates for auto insurance based on their ages.

For instance, the average annual cost of $5,248 is to insure a 16-year-old driver with a 2009 Ford Escape and full coverage. But a 40-year-old driver with the same SUV model year and coverage pays roughly $1,128 per year. The average annual cost of a 2022 Ford Escape is $6,348 for a 16-year-old, while it is $1,404 for a 40-year-old.

MoneyGeek knows that affordability is important, but you also want a car insurer that handles claims well and provides good customer service. That’s why we also found insurers that balance affordability with a good service and claims experience.

Car Insurance CostsFord Escape

2024

Table of Contents

Cheapest Insurer - State Farm

Best Insurer - State Farm

Runner-Up - GEICO

Costs by Model Year

Costs by Driver Age

Costs by Location

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Ford Escape.

These rates were updated to reflect the average cost of car insurance for a Ford Escape as of 2023.

10Companies Compared

41,832Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Ford Escape

The average annual full coverage car insurance cost for a Ford Escape is $1,287. However, the company you choose will affect your policy premium.

We found that State Farm offers the cheapest car insurance, charging an average of $1,028 per year for full coverage, while Farmers is the most expensive insurer, with an average annual cost of $1,437.

State Farm is also the average cheapest for a state-minimum policy with a Ford Escape, at $475 yearly, while Farmers is the most at $706 per year.

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Age

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Age:40

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Coverage:Full Coverage


State Farm	$1,028
GEICO	$1,065
Nationwide	$1,257
Travelers	$1,275
Allstate	$1,374
Progressive	$1,421
Farmers	$1,437

Is a Ford Escape Expensive to Insure?

Several factors influence the cost of car insurance for a Ford Escape. One is its low MSRP — in 2022, it was $29,755. That means replacing this SUV is not expensive, which insurers consider when calculating a policy’s premium. The Ford Escape also has a low theft occurrence, another positive that keeps car insurance costs lower.

Best Companies for Insuring a Ford Escape

Several factors should generally influence your decision when purchasing the best car insurance for a Ford Escape: cost, the quality of service a company provides and its claims handling.

We found that these companies offer the best Ford Escape insurance:

State Farm: MoneyGeek score of 90 out of 100 ($1,028 per year)
GEICO: MoneyGeek score of 89 out of 100 ($1,065 per year)

State Farm ranked the highest for affordability and second highest for customer satisfaction.

MoneyGeek Top Pick: State Farm

pros

Cheapest full coverage policy for a Ford Escape

Ranked second for customer satisfaction

Has roadside assistance and rental car and travel reimbursement coverage

cons

Does not rank well for claims handling

No gap insurance or accident forgiveness

COMPANY HIGHLIGHTS

State Farm may not have many add-on coverages available, but it has the lowest full coverage insurance for a Ford Escape. It also ranks well in customer satisfaction, showing it receives fewer customer complaints than other companies.

You can get common add-on coverages like rental car and travel reimbursement and roadside assistance with State Farm. The rental car and travel reimbursement coverage pays for rental car costs up to policy limits in a covered claim and may cover up to $500 in travel-related expenses and up to $500 of your deductible if you get into an accident in a rental car.

With roadside assistance coverage, you get towing, mechanical labor, oil or gas delivery, tire changes and more. This coverage can help you get back on the road if you are stranded due to your Ford Escape breaking down.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

pros

Ranked second for affordability with a Ford Escape

Ranked third for customer satisfaction

Offers mechanical breakdown insurance (MBI)

cons

Poor score for claims handling

No gap insurance

COMPANY HIGHLIGHTS

MoneyGeek found GEICO is the second-best option to insure a Ford Escape. The company scores very well for affordability and has good customer satisfaction. There aren’t many add-on coverage options with GEICO, but with a newer Ford Escape, you can get mechanical breakdown insurance (MBI).

MBI will significantly benefit you when your Ford Escape has any mechanical problems since it covers the repair costs of all parts and systems, making it better than a typical dealer’s extended warranty. It is available for vehicles under 15 months old with less than 15,000 miles.

Other add-on coverages, like roadside assistance and accident forgiveness, are also available. The roadside assistance coverage helps with flat tires, towing and other related services in case your Ford Escape breaks down.

Accident forgiveness helps you avoid a higher premium after your first at-fault accident. You can purchase it or earn it with GEICO. It is available in most states.

Cost of Insuring a Ford Escape by Model Year

The average annual car insurance premium for a 2009 Ford Escape is $1,128 with full coverage, while the cost is $1,404 annually for a 2022 Ford Escape.

Since a car's value depreciates over time, newer models are generally more expensive to insure. As a Ford Escape model year ages, the cost of insurance should go down.

Data filtered by:Results filtered by:

Age

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Age:40

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Coverage:Full Coverage


2022	$1,404
2021	$1,357
2020	$1,319
2019	$1,335
2018	$1,327
2017	$1,276
2016	$1,280
2015	$1,259
2014	$1,201
2013	$1,197
2012	$1,168
2011	$1,128
2010	$1,141
2009	$1,128

The insurance premium will depend on the insurer and Ford Escape model year.

State Farm offers the cheapest average full coverage auto policy for a 2009 Ford Escape, charging around $864 annually. But GEICO charges the most affordable rate for a 2022 Ford Escape, offering a full coverage policy at an average cost of $1,175 annually.

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Model Year:2022

Age

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Age:40

Coverage

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Coverage:Full Coverage


GEICO	$1,175
State Farm	$1,186
Nationwide	$1,305
Travelers	$1,447
Progressive	$1,562
Farmers	$1,636
Allstate	$1,652

Cost of Insuring a Ford Escape for 16- to 25-Year-Olds

Insurers generally charge much more expensive rates to insure drivers in their teens and early 20s than 30-year-olds and older adults.

The average cost of full coverage car insurance for a 16-year-old driver with a Ford Escape is $5,737 annually. For a 40-year-old driver, the same policy costs only $1,252 on average per year.

Teen car insurance generally decreases each year and becomes steady when drivers are in their 20s.

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Coverage:Full Coverage


16	$5,737
17	$4,665
18	$4,087
19	$2,834
20	$2,564
21	$1,973
22	$1,824
23	$1,695
24	$1,609
25	$1,453

The most affordable way to insure a teen driver is by adding them to a parent’s policy. And in most cases, teens under 18 can only get car insurance legally if they have a parent or guardian to co-sign the policy.

MoneyGeek found that if a 16-year-old gets an individual policy for a 2022 model, State Farm provides the most affordable full coverage for a Ford Escape at around $3,782 annually. Whereas Farmers charges the most expensive rate at an average cost of $8,348 per year.

You can find the best car insurance for a teen driver by shopping around and comparing quotes from multiple companies.

Data filtered by:Results filtered by:

Age

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Age:16

Model Year

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Model Year:2022

Coverage

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Coverage:Full Coverage


State Farm	$3,782
Nationwide	$5,178
GEICO	$5,519
Travelers	$5,754
Allstate	$7,698
Progressive	$8,305
Farmers	$8,348

How Does Location Affect the Cost of Ford Escape Insurance?

Although your Ford Escape’s model year and trim and your age affect your insurance premium, your location may have an even more significant effect.

Our analysis shows that car insurance is generally the cheapest in Idaho, while insurers charge the highest rates in New York. We recommend getting a quote from your state’s average cheapest insurance companies before buying a policy to select the best for your budget and other needs.

Data filtered by:Results filtered by:

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Age Group:30-59

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Coverage:Full Coverage


Alabama	Nationwide	$709	$59
Alaska	State Farm	$699	$58
Arizona	Root Insurance Company	$682	$57
Arkansas	State Farm	$629	$52
California	AAA California	$1,001	$83
Colorado	American National P&C	$541	$45
Connecticut	GEICO	$693	$58
Delaware	State Farm	$881	$73
District of Columbia	GEICO	$662	$55
Florida	State Farm	$1,058	$88
Georgia	Country Financial	$665	$55
Hawaii	GEICO	$565	$47
Idaho	American National P&C	$299	$25
Illinois	Country Financial	$663	$55
Indiana	American Family	$555	$46
Iowa	State Farm	$509	$42
Kansas	Nationwide	$670	$56
Kentucky	Nationwide	$790	$66
Louisiana	Louisiana Farm Bureau	$1,048	$87
Maine	Concord Group	$521	$43
Maryland	Progressive	$938	$78
Massachusetts	State Farm	$483	$40
Michigan	GEICO	$898	$75
Minnesota	State Farm	$797	$66
Mississippi	Direct General Insurance	$723	$60
Missouri	Nationwide	$909	$76
Montana	Progressive	$437	$36
Nebraska	American National P&C	$405	$34
Nevada	CSAA	$940	$78
New Hampshire	State Farm	$540	$45
New Jersey	Plymouth Rock Assurance	$895	$75
New Mexico	State Farm	$644	$54
New York	Kemper	$781	$65
North Carolina	Erie	$630	$52
North Dakota	American Family	$616	$51
Ohio	Nationwide	$485	$40
Oklahoma	State Farm	$662	$55
Oregon	State Farm	$706	$59
Pennsylvania	Nationwide	$580	$48
Rhode Island	State Farm	$700	$58
South Carolina	American National P&C	$463	$39
South Dakota	Allstate	$746	$62
Tennessee	State Farm	$579	$48
Texas	State Farm	$699	$58
Utah	Nationwide	$725	$60
Vermont	State Farm	$493	$41
Virginia	American Family	$601	$50
Washington	PEMCO	$534	$44
West Virginia	Erie	$784	$65
Wisconsin	GEICO	$556	$46
Wyoming	State Farm	$745	$62

Frequently Asked Questions About Ford Escape Insurance

The following answers to frequently asked questions about Ford Escape car insurance will help you understand essential details about policy cost and service quality.

What company has the cheapest car insurance for a Ford Escape?

The average Ford Escape insurance cost for full coverage is $1,287 a year — which is cheap. State Farm offers the cheapest car insurance for this SUV, charging an average of $1,028 per year for full coverage.

What company offers the best car insurance for a Ford Escape?

With a MoneyGeek score of 90 out of 100, State Farm provides the best car insurance for a Ford Escape. The company charges around $1,028 per year for a full coverage policy, the cheapest of the companies MoneyGeek surveyed, and ranks second for customer satisfaction. It scored higher than multiple nationwide insurers, including Travelers and Progressive.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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