Ford Escape vs. Ford Explorer – Which Car Insurance is the Cheapest?

• If the most affordable price on car insurance is a huge factor in deciding model you take home from the dealership, you’ll want to put more consideration into the Ford Explorer over the Ford Escape.
• For the 2024 Ford Escape, average insurance rates cost from $1,620 to $1,804 per year, while insurance on a 2024 Ford Explorer ranges from $1,504 to $1,832, depending on the exact model being insured.
• The Ford Escape Active and the Ford Explorer XLT 2WD are the models with the cheapest car insurance rates for each vehicle in our comparison.

Is car insurance cheaper for a Ford Escape or Explorer?

Car insurance rates for a 2024 Ford Escape cost an average of $1,730 per year, whereas insurance for a Ford Explorer averages $1,722 per year, making the Ford Explorer the cheapest of the two to insure.

Out of 10 trims for the 2024 Ford Escape, the cheapest rates are on the Active model at a cost of $1,620 per year. Out of the 13 trims available for the Ford Explorer, the cheapest 2024 trim level to insure is the XLT 2WD model at a cost of $1,504 per year, or around $125 per month.

When all 23 trims of both models are combined and compared, the cheapest trim is the Ford Explorer XLT 2WD at a cost of $1,504 per year, and the highest-cost model and trim is the Ford Explorer King Ranch 4WD costing $1,832 per year.

The table shown below compares and ranks the annual and monthly cost of car insurance for 2024 Ford Escape and Ford Explorer models, showing average premium cost for each trim level.

The chart shown below illustrates the average cost to insure the two models with different ages of drivers. For a 2024 Ford Escape, average insurance cost ranges from $1,540 to $3,496 per year. A 2024 Ford Explorer costs from $1,526 to $3,474 to insure per year.

The tables shown below show all the available trims for both 2024 models, including an overall average cost for each model. The cheapest to insure for the 2024 model year is the Ford Explorer.

2023 Ford Escape vs. Ford Explorer

Insurance on a 2023 Ford Escape averages $1,688 per year, while insurance for a Ford Explorer costs an average of $1,574 per year, making the Ford Explorer the model with cheaper overall insurance rates.

Out of 14 trims for the 2023 Ford Escape, the cheapest auto insurance rates are on the Base model at a cost of $1,578 per year. For the 17 trims available for the Ford Explorer, the cheapest 2023 trim level to insure is the XLT 2WD model at a cost of $1,432.

When all 31 trims of both models are combined and compared, the lowest-cost model and trim level to insure is the Ford Explorer XLT 2WD at a cost of $1,432 per year. The overall most expensive vehicle to insure is the Ford Escape ST-Line Elite Hybrid AWD at an average of $1,774 per year.

For model years prior to 2023, average insurance prices compare as shown in the list below. Click on any link to view average rates for all trim levels.

• 2022 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Explorer
• 2021 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Escape
• 2020 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Escape
• 2019 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Escape
• 2018 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Escape
• 2017 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Escape
• 2016 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Escape
• 2015 Ford Escape vs. Explorer – Cheapest average insurance cost: Ford Escape

The table below compares the annual and monthly cost of car insurance for 2023 Ford Escape and Ford Explorer models, showing average cost by trim level for each model.

The next chart illustrates the average cost to insure both 2023 models with different ages of drivers. For a 2023 Ford Escape, average insurance cost ranges from $1,502 to $3,416 per year for the example age groups. A 2023 Ford Explorer costs from $1,388 to $3,132 to insure per year.

The tables shown below show the cost to insure the available trim levels for both 2023 models, as well as the overall average rate for each model. The 2023 Ford Explorer reigns victorious over the 2023 Ford Escape for cheapest car insurance rates.

2022 Ford Escape vs. Ford Explorer

Insurance rates on a 2022 Ford Escape cost an average of $1,704 per year, whereas a 2022 Ford Explorer averages $1,628 per year, making the Ford Explorer the cheaper of the two to insure.

For a 2022 Ford Escape, insurance rates range from $1,544 per year for the S model up to $1,864 for the Titanium Plug-in Hybrid model.

For a 2022 Ford Explorer, rates can range from $1,500 per year on the XLT 2WD model up to $1,724 on the Platinum 4WD model.

For a 2022 Ford Escape, the lowest-cost models to insure are the S, SE, and SE Hybrid. The cheapest Ford Explorer trims to insure include the XLT 2WD, 2WD, and XLT 4WD. From a monthly standpoint, car insurance rates for all 2022 Ford Escape and Ford Explorer models range from $125 to $155 per month.

The table below compares and ranks the yearly and monthly cost of car insurance for 2022 Ford Escape and Ford Explorer models, with average rates for each vehicle.

The following chart illustrates the average cost to insure the two models with different ages of drivers. For a 2022 Ford Escape, insurance cost ranges from $1,514 to $3,450 per year for the age groups used in this illustration. Insurance on the 2022 Ford Explorer ranges from $1,438 to $3,260 on average per year.

Out of 15 Ford Escape trim levels, the lowest-cost 2022 trim level to insure is the S model at an average cost of $1,544 per year, or about $129 per month.

The 2022 Ford Explorer has 15 different trims available, with the cheapest trim level to insure being the XLT 2WD trim at an average cost of $1,500 per year.

When comparing rates by trim level for both models, the most affordable model and trim level to buy insurance for is the Ford Explorer XLT 2WD at a cost of $1,500 per year, and the most expensive vehicle to insure is the Ford Escape Titanium Plug-in Hybrid costing $1,864 per year.

The tables below break down all the available trims for both 2022 models, including the average rate for each model. The 2022 Ford Explorer wins the head-to-head comparison over the 2022 Ford Escape for the cheapest average car insurance rates.

2021 Ford Escape vs. Ford Explorer

When comparing insurance cost for 2021 models, the Ford Escape costs an average of $1,514 per year for full coverage and the Ford Explorer costs $1,668, making the Ford Escape the model with cheaper insurance by $154 for this comparison year.

The next chart demonstrates the average car insurance cost for both 2021 models for four different driver age groups. The average car insurance cost ranges from $1,344 to $3,058 per year for the 2021 Ford Escape, and $1,478 to $3,350 on a 2021 Ford Explorer.

The 2021 Ford Escape has 10 trim levels available, with the most affordable trim level to insure being the S 2WD trim at an average cost of $1,406 per year, or around $117 per month.

For the 13 different option levels available for a Ford Explorer, the lowest-cost 2021 trim level to insure is the 2WD trim at a cost of $1,464 per year, or $122 per month.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level to put coverage on is the Ford Escape S 2WD at an average cost of $1,406 per year. The most expensive trim is the Ford Explorer Platinum 4WD at an average cost of $1,792 per year.

The tables shown below detail the expected annual car insurance cost by trim level for both 2021 models, along with the average rate for each model. The winner for the 2021 car insurance battle is the Ford Escape.

2020 Ford Escape vs. Ford Explorer

For the 2020 Ford Escape and Ford Explorer models, the Ford Escape has cheaper car insurance rates by $108 per year for this model year.

The next chart demonstrates the average insurance cost for the two models rated for multiple driver ages. The average full-coverage insurance policy ranges from $1,306 to $2,968 per year for a 2020 Ford Escape, and $1,400 to $3,166 for a 2020 Ford Explorer for the illustrated age groups.

The 2020 Ford Escape has 10 trims available, with the cheapest model to insure being the S 2WD model at an average cost of $1,366 per year. For the nine option levels available for a Ford Explorer, the most affordable 2020 trim package to insure is the 2WD trim at a cost of $1,420 per year, or about $118 per month.

When rates for all 19 trim levels for both vehicles are combined and compared, the cheapest model and trim level to put coverage on is the Ford Escape S 2WD at a cost of $1,366 per year, and the most expensive trim is the Ford Explorer Platinum 4WD at an average of $1,722 per year.

The two tables below break down all the available trims for both 2020 models, along with the average rate for each model. The 2020 Ford Escape defeats the 2020 Ford Explorer for the cheapest average car insurance rates.

2019 Ford Escape vs. Ford Explorer

When comparing insurance rates for the 2019 Ford Escape and Ford Explorer models, the Ford Escape has cheaper rates by an average of $18 per year.

The chart shown below visualizes the average cost to insure both 2019 models for the 20, 30, 40, and 50-year-old driver age groups. The average cost of car insurance ranges from $1,342 to $3,074 per year for a 2019 Ford Escape, and $1,354 to $3,080 on a 2019 Ford Explorer for the sample drivers in the chart.

For the seven trim levels available for the 2019 Ford Escape, the lowest-cost model to insure is the S 2WD trim at an average cost of $1,418 per year.

For the eight trim levels available for the Ford Explorer, the cheapest 2019 model to insure is the 2WD model at a cost of $1,412.

When comparing rates by trim level for both models, the lowest-cost model and trim level to put coverage on is the Ford Explorer 2WD at an average of $1,412 per year, and the highest-cost model and trim level is the Ford Explorer Platinum 4WD costing $1,652 per year.

The next two rate tables detail both 2019 models and all trim levels available for each one, plus the average rate for each model. The 2019 Ford Escape has more affordable average car insurance rates than the 2019 Ford Explorer.

2018 Ford Escape vs. Ford Explorer

A 2018 Ford Escape costs $14 less per year to insure per year on average than a 2018 Ford Explorer, a difference of 1%.

The chart shown below shows the average cost to insure both models using different driver ages. For a 2018 Ford Escape, average car insurance cost ranges from $1,278 to $2,916 per year for the illustrated age groups. Insurance for a 2018 Ford Explorer costs from $1,288 to $2,914 on average per year.

Out of seven Ford Escape trim levels, the lowest-cost 2018 trim to insure is the S 2WD trim at an average cost of $1,318 per year, or around $110 per month. A 2018 Ford Explorer has nine trim and option levels available, with the cheapest trim level to insure being the 2WD model at an average cost of $1,352 per year, or about $113 per month.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to buy insurance for is the Ford Escape S 2WD at an average cost of $1,318 per year, and the most expensive trim is the Ford Explorer Platinum 4WD costing an average of $1,578 per year.

The two tables below illustrate average cost to insure each trim level for a 2018 Ford Escape and Ford Explorer, as well as the overall average rate for each model.

2017 Ford Escape vs. Ford Explorer

When comparing average insurance rates for the 2017 Ford Escape and Ford Explorer models, the Ford Escape has cheaper rates by $36 per year.

The chart below illustrates the average cost to insure both 2017 models for a range of driver ages. A full-coverage car insurance policy ranges from $1,214 to $2,760 per year on the 2017 Ford Escape, and $1,236 to $2,792 for the 2017 Ford Explorer for the age groups in the chart.

The 2017 Ford Escape has five trims available, with the lowest-cost model to insure being the S 2WD model at an average cost of $1,270 per year.

For the nine trim levels available for the Ford Explorer, the lowest-cost 2017 model to insure is the 2WD model at a cost of $1,304 per year, or $109 per month.

When all 14 trims of both models are combined and compared, the most affordable model and trim level to put coverage on is the Ford Escape S 2WD at a cost of $1,270 per year. The most expensive trim is the Ford Explorer Platinum 4WD costing an average of $1,516 per year.

The tables below detail trim level insurance cost averages for both 2017 models, along with the average rate for each model. The model with the cheapest auto insurance rates for 2017 is the Ford Escape.

2016 Ford Escape vs. Ford Explorer

For 2016 Ford Escape and Ford Explorer models, the Ford Escape is cheaper to insure by $148 per year for this model year.

The next chart visualizes the average insurance cost for both models using different driver ages. For a 2016 Ford Escape, the average cost of car insurance ranges from $1,152 to $2,606 per year for the age groups in the chart. Full-coverage car insurance on a 2016 Ford Explorer costs from $1,280 to $2,908 on average per year.

Out of five trims for a 2016 Ford Escape, the cheapest auto insurance rates are on the S 2WD model at a cost of $1,208 per year, or around $101 per month. For the nine trim levels available for the Ford Explorer, the lowest-cost 2016 trim level to insure is the 2WD model at a cost of $1,364 per year, or $114 per month.

When comparing both models combined at a trim-level basis, the most affordable model and trim level to insure is the Ford Escape S 2WD at a cost of $1,208 per year. The overall most expensive vehicle to insure is the Ford Explorer Platinum 4WD at an average of $1,562 per year.

The next tables display both 2016 models and all trim levels available for each one, plus an average rate for each model.

2015 Ford Escape vs. Ford Explorer

For the 2015 Ford Escape and Ford Explorer models, the Ford Escape has cheaper car insurance rates by $142 per year for this model year.

The following chart demonstrates the average cost to insure the two models rated for different driver ages. For the 2015 Ford Escape, the average cost of car insurance ranges from $1,028 to $2,314 per year for the chosen age groups in the chart. Car insurance for a 2015 Ford Explorer ranges from $1,156 to $2,598 on average per year.

Out of five Ford Escape trim levels, the most affordable 2015 trim to insure is the S 2WD trim at an average cost of $1,074 per year, or about $90 per month. Out of the eight option levels available for the Ford Explorer, the most affordable 2015 trim to insure is the 2WD model at a cost of $1,252 per year, or $104 per month.

When looking at the combined rates by trim for both models, the most affordable model and trim level to insure is the Ford Escape S 2WD at an average cost of $1,074 per year, and the most expensive model and trim level is the Ford Explorer Sport 4WD at an average of $1,358 per year.

The next two rate tables illustrate the expected annual car insurance cost by trim level for both 2015 models, along with the average rate for each model.

Additional Ford Escape and Ford Explorer Resources

• Ford Escape Insurance Cost
• Ford Explorer Insurance Cost
• Small SUV Insurance Cost Comparisons
• Midsize SUV Insurance Cost Comparisons