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

The average annual cost of insurance for a Ford Escape is $1,157. Compared to most vehicles, Ford Escape insurance costs are relatively inexpensive. That said, the actual Ford Escape insurance rates you end up paying will depend on the insurance company and the model year of your Ford Escape.

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To find the best price, you should do your own research as well. Based on your driving history and personal profile, your rates could vary considerably. That’s why it’s always a good idea to request quotes from several different insurers and compare them to find the best deal.

Key Takeaways

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On average, it costs around $1,157 per year to insure your Ford Escape, $271 less than the typical car model.

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Depending upon the company you choose, your insurance cost can vary by $481.

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Insurance rates can change based on the model year of your Ford Escape. The yearly cost of insuring a Ford Escape can vary by as much as $200.

How Much It Costs to Insure a Ford Escape and the Cheapest Company

The company you pick as your Ford Escape’s insurance provider will determine how much premium you pay annually. The average cost of insurance for a Ford Escape is $1,157. The difference between the cheapest average insurance rate and the most expensive is $481. The cheapest insurer is GEICO, offering a premium of $961 per year on average.

The Average Annual Cost of Ford Escape Insurance by Company

MoneyGeek used a sample driver profile to gather information on the insurance rates offered by various companies. This sample driver has 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Ford Escape by Company

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Is a Ford Escape Expensive to Insure?

The value of your car is a major factor that determines its insurance cost. Insurance companies also take into consideration these variables when calculating the annual cost:

  • Repair cost
  • Horsepower
  • Safety features
  • Likelihood of theft

Typically, a Ford Escape is relatively inexpensive to insure. The vehicle falls under the compact SUV category and has low horsepower, making it a low-risk vehicle. The Escape’s safety rating is excellent too, which also contributes to its lower annual insurance cost.

The Best Car Insurance Company for a Ford Escape

Pricing shouldn’t be the only factor when choosing the insurance company for your Ford Escape. MoneyGeek’s ranking system takes into account other important factors, like customer satisfaction, affordability, complaints and more. Based on this system, USAA’s Ford Escape insurance is the best car insurance option for this model.

Note that USAA is only available for military personnel and their families. For everyone else, GEICO is your best bet.


1
USAA
Score:94

4.6/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:86

4.7/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:79

3.9/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Ford Escape by Model Year

The older your Ford Escape is, the cheaper it is to insure. As your car ages, its value depreciates, which also makes comprehensive and collision insurance cheaper.

The average cost of auto insurance for a 2005 Ford Escape model is $1,020. For the 2020 model, it is $1,220. Different insurance companies will offer varying yearly rates, depending upon the model year and many other factors. The cheapest insurance company for your Ford Escape is GEICO, with average rates of $961 per year.

The Average Cost to Insure a Ford Escape by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $992
    $959
    $959
    $938
    $936
    $1,010
    $933
  • 2.
    $1,055
    $1,053
    $1,028
    $1,021
    $1,011
    $1,032
    $964
  • 3.
    $1,048
    $1,080
    $1,164
    $1,055
    $1,085
    $954
    $909
  • 4.
    $1,285
    $1,265
    $1,229
    $1,214
    $1,197
    $1,129
    $953
  • 5.
    $1,271
    $1,287
    $1,303
    $1,317
    $1,252
    $1,262
    $1,177

How Expensive Is It to Insure a Ford Escape Compared to Other Cars?

The Ford Escape is usually inexpensive to insure. On average, it costs $1,157 to insure a Ford Escape, compared to $1,427 across all models.

How Much It Costs to Insure a Ford Escape for 16- to 25-Year-Olds

Younger drivers pay more for insurance, no matter what car they drive. Because of their inexperience, car insurance companies see them as riskier to insure. The average cost of insurance for an 18-year-old driver with a Ford Escape is $3,775. Meanwhile, for a 40-year-old driver, similar coverage for the same car costs an average of $1,157. Teens can save money by staying on their parents’ insurance policy instead of purchasing their own coverage.

The Average Cost to Insure a Ford Escape by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $4,840
  • 17
    $4,287
  • 18
    $3,775
  • 19
    $2,704
  • 20
    $2,413
  • 21
    $1,910
  • 22
    $1,760
  • 23
    $1,610
  • 24
    $1,511
  • 25
    $1,371
  • 40
    $1,157

How Does Location Affect the Cost of Ford Escape Insurance?

The prices used in this article are based on national averages. However, the actual premium you pay is highly dependent on your location. You can learn more about insurance rates in different areas on our state page analysis.

FAQs About Ford Escape Insurance

The model of your Ford Escape can have a major impact on its insurance cost. However, it isn’t the only factor to consider. Check out our FAQ section for more information.

Read More About Car Insurance

Methodology

MoneyGeek collected thousands of insurance rates for all models of Ford Escape. These rates are based on a sample driver profile. The driver is a 40-year-old male with a full coverage policy with the following coverages:

  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible
  • $100,000 in bodily injury liability insurance per person

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.