The annual cost of full coverage car insurance on a Ford Escape ranges from $974 to $5,431. Rates vary significantly depending on the car's model year, your age, where you live, your driving record, your coverage level and the insurer. MoneyGeek analyzes Ford Escape insurance costs and recommends affordable insurers.
Ford Escape Insurance Cost
Updated: March 14, 2025
Key Takeaways
State Farm offers the lowest annual minimum coverage rate across all Ford Escape model years at $475.
The average insurance cost for a Ford Escape is $599 per year for minimum coverage and $1,246 for full coverage.
MoneyGeek analyzed data and 4,183 Ford Escape quotes from Quadrant Information Services to provide comprehensive information.
Ford Escape Insurance Rates
What Is the Average Ford Escape Car Insurance Cost?
The average cost of full coverage insurance for a Ford Escape is $104 per month or $1,246 per year, based on a 40-year-old male with a clean driving record. Minimum coverage averages $50 monthly or $599 annually.
| Minimum Coverage | $599 |
| Full Coverage | $1,246 |
Ford Escape Insurance Costs by Company
Ford Escape insurance costs range from $998 to $1,738 per year, depending on age, model year and coverage level. Below is a comparison of average Ford Escape insurance rates with averages for all vehicles from several national and mid-size providers.
| Allstate | $1,433 | $1,814 | -21% |
| Auto-Owners | $1,023 | $1,228 | -17% |
| Farmers | $1,495 | $1,959 | -24% |
| GEICO | $1,070 | $1,334 | -20% |
| Kemper | $1,738 | $2,215 | -22% |
| Nationwide | $1,321 | $1,590 | -17% |
| Progressive | $1,472 | $1,745 | -16% |
| State Farm | $1,060 | $1,271 | -17% |
| Travelers | $1,314 | $1,523 | -14% |
| USAA | $998 | $1,201 | -17% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ford Escape by Model Year
The year your Ford Escape was produced can impact your insurance rates, with older models generally being cheaper. For example, full coverage for a 2022 model costs around $1,394 annually, while a 2009 model costs as low as $1,112. Below are the average full and minimum coverage rates for each production year.
| 2022 | $611 | $1,394 |
| 2021 | $593 | $1,362 |
| 2020 | $581 | $1,347 |
| 2019 | $618 | $1,339 |
| 2018 | $629 | $1,324 |
| 2017 | $603 | $1,301 |
| 2016 | $626 | $1,277 |
| 2015 | $623 | $1,254 |
| 2014 | $595 | $1,226 |
| 2013 | $614 | $1,197 |
| 2012 | $609 | $1,169 |
| 2011 | $591 | $1,150 |
| 2010 | $620 | $1,131 |
| 2009 | $624 | $1,112 |
Ford Escape Insurance Costs by Driver Age
Insurance rates for a Ford Escape vary widely based on the driver's age. For example, 40-year-olds pay around $1,256 annually for full coverage, while 16-year-olds pay about $5,431. Below are the average rates for different ages.
| 16 | $2,794 | $5,431 |
| 17 | $2,269 | $4,428 |
| 18 | $1,976 | $3,893 |
| 19 | $1,405 | $2,774 |
| 20 | $1,261 | $2,520 |
| 21 | $1,000 | $2,034 |
| 22 | $912 | $1,869 |
| 23 | $846 | $1,745 |
| 24 | $802 | $1,659 |
| 25 | $713 | $1,485 |
| 26 | $695 | $1,440 |
| 27 | $678 | $1,409 |
| 28 | $667 | $1,387 |
| 29 | $657 | $1,368 |
| 30 | $634 | $1,320 |
| 35 | $617 | $1,280 |
| 40 | $610 | $1,256 |
| 45 | $605 | $1,240 |
| 50 | $590 | $1,202 |
| 55 | $575 | $1,170 |
| 60 | $575 | $1,166 |
| 65 | $611 | $1,218 |
| 70 | $664 | $1,304 |
| 75 | $738 | $1,430 |
| 80 | $836 | $1,592 |
| 85 | $906 | $1,709 |
| 90 | $956 | $1,791 |
Ford Escape Insurance Rates Explained
Several factors affect a driver's car insurance rates based on their profile. Insurers also consider factors tied to your car. Below is a breakdown of the vehicle-related cost factors.
Ford Escape Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ford Escape
Average Full Coverage Rate
$1,246Premiums for Ford Escape are cheaper:$50 saved
This is 4% less expensive.
Value
The Ford Escape's MSRP is $38,610, making it a mid-range SUV. This price can impact insurance costs, as lower-priced vehicles typically lead to lower premiums.
Repair costs
The annual repair cost for a Ford Escape is $600, below the national average. However, the availability of parts and labor costs can affect whether the vehicle is cheap or expensive to insure.
Performance
The Ford Escape's horsepower range of 180 to 192 and 0-to-60 time of 7.7 seconds don't classify it as a high-performance vehicle. Insurers often link high performance with risky driving, but the Escape's moderate capabilities help keep insurance costs low.
Vehicle age
Newer Ford Escape model years typically cost more to insure than older ones. However, collector and classic vehicles can be very expensive to insure.
Safety features
Safety features like stability control, airbags and antilock brakes in the Ford Escape may qualify for insurance discounts by reducing accident risks.
Vehicle size
Larger vehicles generally cost more to insure because they can cause more property damage in accidents. The Ford Escape is a midsize SUV with a maximum curb weight of 3,904 lbs, so its insurance costs are typically moderate compared to smaller vehicles.
Trim level
Higher trim levels add premium features, raising the vehicle's price and insurance costs. For example, a Ford Escape with a higher trim level will cost more to insure than the base model.
Theft rates
Vehicles at greater risk of theft typically cost more to insure. The Ford Escape has a theft claim frequency of 27, which may result in higher insurance rates.
Cheapest Ford Escape Insurance
State Farm offers the lowest insurance rate for a Ford Escape at $475 per year for minimum coverage, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance options across coverage levels, age groups, driving records, model years and more.
Cheapest Ford Escape Insurance Coverage by Coverage Level
Your coverage level significantly affects your Ford Escape insurance rate. State Farm provides the most affordable options for state minimum and full coverage. Here’s a breakdown of the cheapest providers for each type.
Cheapest Ford Escape Minimum Coverage
State Farm offers the most affordable minimum coverage for a Ford Escape at $40 monthly. GEICO follows at $42, with Travelers and Progressive at $51 and $55.
| USAA | $36 | $431 |
| State Farm | $40 | $475 |
| GEICO | $42 | $508 |
| Travelers | $51 | $616 |
| Progressive | $55 | $658 |
| Nationwide | $56 | $672 |
| Farmers | $56 | $672 |
| Allstate | $57 | $688 |
*State Farm offers non-military-affiliated Ford Escape owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Ford Escape Insurance Rates by Model Year
The above list doesn't account for your vehicle's production year, so lower rates might be available based on your Ford Escape's age. Check the table below for the cheapest minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $700 | $58 |
| Farmers | $710 | $59 |
| GEICO | $527 | $44 |
| Nationwide | $708 | $59 |
| Progressive | $690 | $58 |
| State Farm | $462 | $39 |
| Travelers | $656 | $55 |
| USAA | $419 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ford Escape Insurance
State Farm offers the lowest full coverage rates for a Ford Escape: $1,031 annually or $86 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $81 | $974 |
| State Farm | $86 | $1,031 |
| GEICO | $88 | $1,054 |
| Nationwide | $105 | $1,256 |
| Travelers | $109 | $1,304 |
| Allstate | $115 | $1,378 |
| Farmers | $117 | $1,406 |
| Progressive | $117 | $1,408 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Ford Escape owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Ford Escape Insurance by Age
Young drivers (16 to 25) and seniors (55+) often pay higher-than-average Ford Escape insurance rates. Finding affordable options is crucial for these groups. Below is a breakdown of the cheapest rates by age.
Cheapest Ford Escape Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young drivers, starting at $86 monthly or $1,038 annually for minimum coverage. Below is a table detailing the affordable rates for Ford Escape drivers aged 16 to 25.
| USAA | $74 | $894 |
| State Farm | $86 | $1,038 |
| GEICO | $102 | $1,219 |
| Travelers | $108 | $1,294 |
| Allstate | $134 | $1,604 |
| Nationwide | $147 | $1,768 |
| Farmers | $152 | $1,830 |
| Progressive | $153 | $1,840 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ford Escape Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $44 monthly or $522 annually. See the full list of affordable Ford Escape insurers below.
| State Farm | $44 | $522 |
| USAA | $48 | $573 |
| GEICO | $51 | $609 |
| Travelers | $62 | $743 |
| Nationwide | $66 | $788 |
| Progressive | $70 | $843 |
| Allstate | $70 | $844 |
| Farmers | $75 | $897 |
Cheapest Ford Escape Insurance After an Accident
For Ford Escape drivers, State Farm, GEICO and Travelers offer the most affordable car insurance after an accident. See the complete list below.
| State Farm | $50 | $595 |
| USAA | $55 | $658 |
| GEICO | $67 | $800 |
| Travelers | $74 | $886 |
| Allstate | $78 | $942 |
| Nationwide | $86 | $1,036 |
| Progressive | $89 | $1,073 |
| Farmers | $111 | $1,337 |
Ford Escape Insurance Cost: Bottom Line
Compare rates from different providers to find the cheapest car insurance. This article covers Ford Escape insurance costs for various demographics and highlights the most affordable providers.
Ford Escape Insurance Rates: FAQ
Below are answers to common questions about Ford Escape insurance costs, including affordable plans and minimum coverage options.
What company has the cheapest car insurance for a Ford Escape?
State Farm offers the cheapest car insurance for a Ford Escape, with an annual minimum coverage rate of $475.
What is the average cost of car insurance for a Ford Escape?
The average annual cost of minimum coverage insurance for a Ford Escape is $599, while full coverage averages $1,246.
Ford Escape Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Ford Escape insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ford Escape:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ford Escape insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ford Escape.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.