Is Insurance Cheaper on a Ford Escape or GMC Terrain?

• The GMC Terrain is victorious over the Ford Escape in our head-to-head comparison, at an average savings of $40 per year.
• For a 2024 Ford Escape, auto insurance prices range from $2,050 to $2,282 per year, while the average insurance rate for a 2024 GMC Terrain costs from $2,030 to $2,272, depending on trim level.
• When compared to the average cost to insure a vehicle in the U.S. of $2,276 per year, the Ford Escape costs an average of $88 less per year, while the GMC Terrain averages $128 less per year.

Is insurance cheaper for a Ford Escape or GMC Terrain?

When comparing 2024 Ford Escape and GMC Terrain models, the model having the cheapest rates is the GMC Terrain. Insurance rates for the Ford Escape average $2,188 per year, while insurance for a GMC Terrain costs an average of $2,148 per year.

Out of 10 trim levels for the 2024 Ford Escape, the cheapest car insurance rates are on the Active model at a cost of $2,050 per year, or $171 per month.

Out of the six trims available for the GMC Terrain, the cheapest 2024 trim level to insure is the SLE 2WD model at a cost of $2,030 per year, or $169 per month.

When all 16 trims of both models are combined and compared, the cheapest trim is the GMC Terrain SLE 2WD at an average of $2,030 per year. The most expensive model and trim level is the Ford Escape Plug-in Hybrid at an average cost of $2,282 per year.

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

The next chart displays the average cost to insure both models with different drivers at the wheel. For a 2024 Ford Escape, the average car insurance cost ranges from $1,946 to $4,420 per year for the included age groups. A 2024 GMC Terrain costs from $1,906 to $4,248 to insure per year.

The next tables illustrate the average insurance cost by trim level for both 2024 models, including an overall average cost for each model.

2023 Ford Escape vs. GMC Terrain

For the 2023 model year, the cheapest model to insure is the GMC Terrain. Insurance on the Ford Escape averages $2,136 per year, whereas insurance for a GMC Terrain averages $2,074 per year.

Out of 14 Ford Escape trims, the cheapest 2023 model to insure is the Base trim at an average cost of $1,996 per year.

For the six trims available for the GMC Terrain, the cheapest 2023 trim level to insure is the SLE 2WD trim at a cost of $1,972 per year, or around $164 per month.

When rates for all 20 trims of both models are combined and sorted by cost, the lowest-cost model and trim to insure is the GMC Terrain SLE 2WD at an average cost of $1,972 per year, and the most expensive trim is the Ford Escape ST-Line Elite Hybrid AWD costing $2,242 per year.

The next table compares the yearly and monthly cost of car insurance for 2023 Ford Escape and GMC Terrain models, broken down by trim level.

The rate chart below demonstrates the average cost to insure both models for a range of driver ages. Insurance cost ranges from $1,898 to $4,320 per year for a 2023 Ford Escape, and $1,842 to $4,108 for a 2023 GMC Terrain.

The two tables below display both 2023 models and all trim levels available for each one, including an overall average cost for each model. The model with the cheapest overall car insurance rates for 2023 is the GMC Terrain.

2022 Ford Escape vs. GMC Terrain

When comparing 2022 Ford Escape and GMC Terrain models, the model with the lower car insurance rates is the GMC Terrain. Average car insurance rates for the Ford Escape are $2,154 per year, and the GMC Terrain averages $2,016 per year.

The cost of car insurance can vary significantly depending on the trim level, however.

Using the Ford Escape as an example, insurance rates range from $1,952 per year for the S model up to $2,356 for the Titanium Plug-in Hybrid model. For the 2022 GMC Terrain, rates range from $1,924 per year for the SLE 2WD model up to $2,098 for the most expensive Denali AWD model.

The table below ranks the annual and monthly car insurance cost for 2022 Ford Escape and GMC Terrain models, showing cost for each trim level of both models.

The following chart visualizes the average cost to insure both 2022 models rated for different driver ages. For the 2022 Ford Escape, the average car insurance cost ranges from $1,912 to $4,362 per year for the illustrated age groups. Full-coverage car insurance on a 2022 GMC Terrain costs from $1,790 to $4,006 on average per year.

Out of 15 trim levels for a 2022 Ford Escape, the lowest-cost car insurance rates are on the S model at a cost of $1,952 per year. For the six different option levels available for the GMC Terrain, the lowest-cost 2022 model to insure is the SLE 2WD model at a cost of $1,924.

When all 21 trims of both models are combined and compared, the lowest-cost model and trim to insure is the GMC Terrain SLE 2WD at a cost of $1,924 per year, and the most expensive vehicle to insure is the Ford Escape Titanium Plug-in Hybrid at an average of $2,356 per year.

The next two rate tables display the average insurance cost by trim level for both 2022 models, as well as the overall average rate for each model. The 2022 GMC Terrain wins the head-to-head comparison over the 2022 Ford Escape for cheapest overall car insurance cost.

2021 Ford Escape vs. GMC Terrain

When comparing insurance rates for 2021 models, the Ford Escape costs an average of $1,914 per year to insure and the GMC Terrain costs $1,916, making the Ford Escape the cheaper model by $2.

The following chart shows the average car insurance cost for both 2021 models for four different driver age groups. The average cost of car insurance ranges from $1,700 to $3,864 per year on the 2021 Ford Escape, and $1,706 to $3,824 for the 2021 GMC Terrain.

For the 10 trim levels available for a 2021 Ford Escape, the cheapest model to insure is the S 2WD model at an average cost of $1,778 per year.

For the seven trims available for a GMC Terrain, the most affordable 2021 trim to insure is the SL 2WD model at a cost of $1,738.

When looking at the combined rates by trim for both models, the overall cheapest vehicle to buy insurance for is the GMC Terrain SL 2WD at an average of $1,738 per year. The overall most expensive vehicle to insure is the Ford Escape Titanium AWD costing an average of $2,076 per year.

The two tables below detail both 2021 models and all trim levels available for each one, as well as an average rate for each model. The cheapest of the two models to insure for the 2021 model year is the Ford Escape.

2020 Ford Escape vs. GMC Terrain

For the 2020 Ford Escape and GMC Terrain models, the Ford Escape has cheaper car insurance rates by an average of $12 per year for this comparison year.

The next chart displays the average insurance cost for the two models for the 20 to 50-year-old driver age groups. For the 2020 Ford Escape, average insurance cost ranges from $1,652 to $3,750 per year. Auto insurance for the 2020 GMC Terrain ranges from $1,664 to $3,734 on average per year.

Out of 10 trims for a 2020 Ford Escape, the lowest-cost rates are on the S 2WD model at a cost of $1,726 per year, or $144 per month. Out of the seven trim and option levels available for a GMC Terrain, the lowest-cost 2020 trim level to insure is the SL 2WD model at a cost of $1,690.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to buy insurance for is the GMC Terrain SL 2WD at an average rate of $1,690 per year, and the most expensive trim is the Ford Escape Titanium AWD costing $2,012 per year.

The next two tables break down average cost to insure each trim level for a 2020 Ford Escape and GMC Terrain, plus the average rate for each model. The winner for the 2020 car insurance battle is the Ford Escape.

2019 Ford Escape vs. GMC Terrain

When comparing average insurance rates for the 2019 Ford Escape and GMC Terrain models, the Ford Escape has cheaper rates by an average of $20 per year for this model year.

The chart below shows the average cost to insure both 2019 models for drivers aged 20 to 50. For the 2019 Ford Escape, average insurance cost ranges from $1,698 to $3,888 per year for the example age groups. Full-coverage car insurance on the 2019 GMC Terrain ranges from $1,718 to $3,870 on average per year.

For the seven trims available for the 2019 Ford Escape, the cheapest model to insure is the S 2WD model at an average cost of $1,792 per year, or $149 per month. For the 11 trim and option levels available for a GMC Terrain, the most affordable 2019 trim to insure is the SL 2WD trim at a cost of $1,742.

When all 18 trims of both models are combined and compared, the lowest-cost model and trim level to put coverage on is the GMC Terrain SL 2WD at an average cost of $1,742 per year, and the most expensive model and trim level is the GMC Terrain Denali AWD at a cost of $2,048 per year.

The next tables detail the expected annual car insurance cost by trim level for both 2019 models, along with the average rate for each model.

2018 Ford Escape vs. GMC Terrain

For 2018 Ford Escape and GMC Terrain models, the Ford Escape has lower-cost car insurance by $34 per year.

The chart below demonstrates the average car insurance cost for both models for drivers aged 20 to 50. For a 2018 Ford Escape, average insurance cost ranges from $1,616 to $3,686 per year for the age groups used in this illustration. Auto insurance for the 2018 GMC Terrain ranges from $1,648 to $3,708 on average per year.

For the seven trims available for a 2018 Ford Escape, the most affordable trim to insure is the S 2WD model at an average cost of $1,664 per year. Out of the 15 trim and option levels available for the GMC Terrain, the lowest-cost 2018 trim to insure is the SL 2WD trim at a cost of $1,676 per year, or $140 per month.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level to buy insurance for is the Ford Escape S 2WD at an average of $1,664 per year. The most expensive trim is the GMC Terrain Denali AWD at an average of $1,962 per year.

The next tables show average car insurance cost by trim level for a 2018 Ford Escape and GMC Terrain, including an overall average cost for each model.

2017 Ford Escape vs. GMC Terrain

When comparing insurance rates for 2017 models, the Ford Escape costs an average of $1,714 per year to insure and the GMC Terrain costs $1,762, making the Ford Escape the cheaper model by $48 for the 2017 comparison year.

The chart shown below demonstrates the average car insurance cost for both models for drivers from age 20 to 50. The average cost of car insurance ranges from $1,532 to $3,488 per year for the 2017 Ford Escape, and $1,576 to $3,538 on a 2017 GMC Terrain for the driver ages used.

Out of five trim levels for the 2017 Ford Escape, the cheapest average car insurance prices are on the S 2WD trim at a cost of $1,606 per year.

For the seven trim and option levels available for the GMC Terrain, the cheapest 2017 trim package to insure is the SL 2WD model at a cost of $1,638 per year, or about $137 per month.

When comparing both models combined at a trim-level basis, the cheapest model and trim level to buy insurance for is the Ford Escape S 2WD at an average of $1,606 per year. The most expensive model and trim level is the GMC Terrain Denali AWD at an average of $1,874 per year.

The next two tables illustrate the expected annual car insurance cost by trim level for both 2017 models, along with the average rate for each model. The model with the cheapest overall car insurance cost for 2017 is the Ford Escape.

2016 Ford Escape vs. GMC Terrain

When comparing car insurance rates for 2016 models, the Ford Escape costs $1,624 per year for full coverage and the GMC Terrain costs $1,520, making the GMC Terrain the model with cheaper insurance by $104 for this comparison year.

The next chart illustrates the average cost to insure both 2016 models for four different driver age groups. For the 2016 Ford Escape, average insurance cost ranges from $1,454 to $3,294 per year. A full-coverage policy on the 2016 GMC Terrain ranges from $1,362 to $3,008 on average per year.

For the five trim levels available for a 2016 Ford Escape, the most affordable trim to insure is the S 2WD trim at an average cost of $1,528 per year, or $127 per month.

Out of the seven trim and option levels available for a GMC Terrain, the most affordable 2016 model to insure is the SL 2WD trim at a cost of $1,358 per year, or $113 per month.

When rates are compared for the 12 trim levels of both 2016 models, the cheapest trim to insure is the GMC Terrain SL 2WD at a cost of $1,358 per year. The most expensive model and trim level is the Ford Escape Titanium AWD costing an average of $1,714 per year.

The next two tables break down the average insurance cost by trim level for both 2016 models, including an overall average rate. The 2016 GMC Terrain has cheaper overall car insurance rates than the 2016 Ford Escape.

2015 Ford Escape vs. GMC Terrain

A 2015 Ford Escape is $22 cheaper to insure per year on average than a 2015 GMC Terrain, a difference of 1.5%.

The rate chart below visualizes the average insurance cost for both models with different driver age groups. Insurance cost ranges from $1,298 to $2,924 per year on the 2015 Ford Escape, and $1,320 to $2,950 for a 2015 GMC Terrain.

Out of five trim levels for the 2015 Ford Escape, the lowest-cost insurance rates are on the S 2WD trim at a cost of $1,358 per year, or $113 per month. For the six trim and option levels available for a GMC Terrain, the most affordable 2015 trim to insure is the SLE 2WD trim at a cost of $1,396 per year, or $116 per month.

When average insurance prices for all 11 trims of both models are combined and sorted by cost, the cheapest trim to buy insurance for is the Ford Escape S 2WD at a cost of $1,358 per year. The most expensive trim is the GMC Terrain Denali AWD costing an average of $1,570 per year.

The tables shown below illustrate average cost to insure each trim level for a 2015 Ford Escape and GMC Terrain, including the average rate for each model.

Additional Ford Escape and GMC Terrain Resources

• Ford Escape Insurance Cost
• GMC Terrain Insurance Cost
• Small SUV Insurance Cost Comparisons