Ford Escape insurance costs average $76 monthly for minimum coverage and $147 for full coverage. Depending on your particular trim and model year, costs can range from $36 to $243 for Ford Escape monthly.
Ford Escape Insurance Cost
Updated: September 24, 2025
Key Takeaways
Ford Escape insurance costs range from $89 to $243 monthly on average, with rates varying based on specific trim level and model year you choose.
The Ford Escape ranks 154th for insurance affordability among 827 vehicle models available in the United States market from 2000 through 2025.
GEICO provides the most affordable Ford Escape coverage at $112 monthly for full protection and $52 monthly for minimum coverage policies.
How Much Is Ford Escape Insurance?
| Ford Escape | $76 | $147 |
Ford Escape Insurance Cost by Model Year
Your Ford Escape's model year and available trims affect insurance rates, with newer vehicles costing more because of higher fair values. Monthly costs range from as low as $47 to as expensive as $200, depending on your vehicle's year.
| 2025 | $100 | $195 |
| 2024 | $103 | $200 |
| 2023 | $69 | $134 |
| 2022 | $63 | $122 |
| 2021 | $54 | $105 |
| 2020 | $47 | $92 |
| 2019 | $80 | $154 |
| 2018 | $86 | $166 |
| 2017 | $78 | $150 |
| 2016 | $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 | $136 |
Ford Escape Insurance Cost by Trim
Your Ford Escape's trim affects insurance rates based on features, market value and repair costs. Our research shows monthly premiums range from $46 for basic trims to $221 for premium hybrid models. Higher-end trims with advanced technology cost more to insure than base models.
| 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 |
Compare Personalized Ford Escape Insurance Costs
We broke down Ford Escape insurance costs by model year and trim for more accurate rates.
Data filtered by:Results filtered by:
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Model Year:2001
Select
Trim:Xlt Sport Utility 4d
| Xlt Sport Utility 4d | $74 | $141 |
Ford Escape Insurance Cost by Company
Ford Escape insurance costs vary by provider from $82 to $194 monthly. Minimum coverage ranges from $52 to $136, while full coverage costs $112 to $275. Rates vary due to different risk assessment models.
| 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 |
Ford Escape Insurance Cost by State
Ford Escape insurance costs vary dramatically by location, ranging from $27 monthly in Wyoming to $325 monthly in Louisiana.
| 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 |
Ford Escape Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically impacts Ford Escape insurance costs. Monthly premiums can reach $281 for young drivers under 25 with clean records, while adult drivers between 26-64 without violations pay as little as $111 monthly.
| Adult Drivers | $76 | $147 |
| Young Drivers | $193 | $369 |
| Senior Drivers | $101 | $185 |
| Drivers With a Speeding Ticket | $94 | $184 |
| Drivers With an Accident | $112 | $215 |
| Drivers With a DUI | $140 | $267 |
| Drivers With Bad Credit | $178 | $359 |
Is a Ford Escape Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Ford Escape ranks 154th out of 827, making it one of the more affordable cars to insure. Among compact crossover SUVs, the model ranks as the fourth most affordable model.
| Saturn Vue | $61 | $118 |
| Chevrolet Captiva | $72 | $139 |
| Toyota Matrix | $75 | $144 |
| Ford Escape | $76 | $147 |
| Honda Element | $76 | $147 |
| Vinfast VF-7 | $75 | $147 |
| Jeep Patriot | $82 | $158 |
| Mitsubishi Eclipse Cross | $82 | $160 |
| Subaru Crosstrek | $83 | $162 |
| Volkswagen Tiguan | $84 | $162 |
| Gmc Terrain | $85 | $163 |
| Subaru Forester | $85 | $164 |
| Hyundai NEXO | $88 | $170 |
| Honda HR-V | $89 | $171 |
| Hyundai Ioniq 5 | $90 | $177 |
| Kia Sportage | $91 | $176 |
| Mazda CX-5 | $91 | $177 |
| Toyota RAV4 | $92 | $178 |
| Hyundai Ioniq Hybrid | $92 | $178 |
| Honda CR-V | $92 | $178 |
| Toyota bZ4X | $94 | $183 |
| Mitsubishi Outlander | $98 | $190 |
| Mazda CX-50 | $101 | $197 |
| Chevrolet Trax | $102 | $197 |
| Hyundai Ioniq Electric | $104 | $201 |
| Dodge Hornet | $116 | $226 |
| Toyota Corolla Cross | $120 | $231 |
Factors That Affect Ford Car Insurance Costs
Multiple factors affect what you'll pay for Ford Escape insurance coverage:
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford Escape repair costs average $744 annually, making it an affordable Ford to repair.
Vehicle Trim, Features and Accessories
The Ford Escape's six trim levels (Active to ST-Line Elite, $29,150-$40,000+) offer varied insurance costs based on equipment. Higher trims with 13.2-inch touchscreens, premium audio systems and advanced driver assistance features cost more to repair, while standard Ford Co-Pilot360 safety features may qualify for discounts.
Fuel Type
Ford Escapes offer four powertrain options, including traditional gas, hybrid and plug-in hybrid variants.
The conventional EcoBoost engines provide widespread service availability and established repair networks, while hybrid models may qualify for eco-friendly insurance discounts despite slightly higher repair complexity.
Location
Ford Escape owners are concentrated in suburban and urban areas nationwide, particularly popular among city dwellers seeking compact practicality. The Escape's higher-than-average theft claim frequency of 27 can increase comprehensive coverage costs, especially in urban areas with higher crime rates.
Driver Profile
Most Ford Escape drivers are urban-oriented Baby Boomers aged 51-52 with moderate to middle-class incomes. This mature demographic receives favorable insurance rates due to driving experience and lower risk profiles.
Driver demographics affect Ford Escape rates:
• Age (51 to 52 median): Mature drivers benefit from lower rates than younger demographics
• Usage pattern: Urban/suburban commuting with moderate annual mileage
• Theft risk: Above-average theft claims frequency increases comprehensive coverage costs
Cheapest Ford Escape Insurance Companies
GEICO offers the most affordable Escape car insurance with full coverage averaging $112 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Escape owners at $52 per month.
| GEICO | $52 | $112 |
| Travelers | $68 | $125 |
| State Farm | $67 | $139 |
| Progressive | $76 | $142 |
| Nationwide | $83 | $144 |
Cheapest Ford Escape Insurance by State
We found that these are the top three most affordable car insurance providers for a Ford Escape:
- GEICO: Offers the cheapest rates in 15 states
- Auto-Owners: Provides the most affordable coverage in eight states
- Travelers: Wins for affordability in seven states
You can filter below to see which company offers the most affordable auto insurance rates for your Ford Escape.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $33 |
How to Get the Best Cheap Ford Escape Insurance
Below we explore the top Ford Escape car insurance discounts available:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Ford's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Ford Escape, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Ford Escape owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Ford Escape buyers' mature age profile (median 46 to 51 years) often means established households with multiple vehicles, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 75% homeownership rates among drivers aged 50 to 64, Ford Escape owners can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Ford Escape owners' mature age profile (median 46 to 51 years) results in clean driving records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): Ford Co-Pilot360 comes standard on all Escape models, and its built-in features, like automatic emergency braking, help you avoid crashes. Lots of insurance companies will knock money off your bill for this.
- Low Mileage Discount (5% to 15% savings): Many Ford Escape owners are established professionals with predictable commutes or retirees who drive less frequently, qualifying for low mileage discounts when driving under 7,500 to 12,000 miles annually.
- 5
Consider alternative car insurance types
Ford Escape owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Escape insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Escape Insurance Cost: Bottom Line
Insuring a Ford Escape costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford Escape Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Escape.
What is the average cost of car insurance for a Ford Escape?
The Ford Escape's average annual insurance cost is $909 for minimum coverage and $1,759 for full coverage.
What company has the cheapest car insurance for a Ford Escape?
GEICO offers the most affordable Escape car insurance with full coverage averaging $112 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Escape owners at $52 per month.
Are Ford Escapes expensive to insure?
No, Ford Escape insurance costs less than most cars. Out of 827 vehicles we track, the Escape ranks 154th for affordability. Among compact crossover SUVs, this model sits at 4th out of 27.
What factors affect insurance costs for Ford Escapes?
Several things drive up your Ford Escape rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or more weather risks can raise rates.
How can I lower Ford Escape insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of Ford's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Escape Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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. 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.