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 $32 per year.
• For a 2024 Ford Escape, auto insurance prices range from $1,620 to $1,804 per year, while the average insurance rate for a 2024 GMC Terrain costs from $1,604 to $1,794, depending on trim level.
• When compared to the average cost to insure a vehicle in the U.S. of $1,883 per year, the Ford Escape costs an average of $153 less per year, while the GMC Terrain averages $185 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 $1,730 per year, while insurance for a GMC Terrain costs an average of $1,698 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 $1,620 per year, or $135 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 $1,604 per year, or $134 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 $1,604 per year. The most expensive model and trim level is the Ford Escape Plug-in Hybrid at an average cost of $1,804 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 $1,540 to $3,496 per year for the included age groups. A 2024 GMC Terrain costs from $1,510 to $3,362 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 $1,688 per year, whereas insurance for a GMC Terrain averages $1,640 per year.

Out of 14 Ford Escape trims, the cheapest 2023 model to insure is the Base trim at an average cost of $1,578 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 $1,560 per year, or around $130 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 $1,560 per year, and the most expensive trim is the Ford Escape ST-Line Elite Hybrid AWD costing $1,774 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 $1,502 to $3,416 per year for a 2023 Ford Escape, and $1,458 to $3,250 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 $1,704 per year, and the GMC Terrain averages $1,594 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 $1,544 per year for the S model up to $1,864 for the Titanium Plug-in Hybrid model. For the 2022 GMC Terrain, rates range from $1,522 per year for the SLE 2WD model up to $1,660 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 $1,514 to $3,450 per year for the illustrated age groups. Full-coverage car insurance on a 2022 GMC Terrain costs from $1,416 to $3,170 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 $1,544 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 $1,522.

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 $1,522 per year, and the most expensive vehicle to insure is the Ford Escape Titanium Plug-in Hybrid at an average of $1,864 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 $1,514 per year to insure and the GMC Terrain costs $1,516, 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 $1,344 to $3,058 per year on the 2021 Ford Escape, and $1,348 to $3,026 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 $1,406 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 $1,374.

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 $1,374 per year. The overall most expensive vehicle to insure is the Ford Escape Titanium AWD costing an average of $1,642 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 $8 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 $1,306 to $2,968 per year. Auto insurance for the 2020 GMC Terrain ranges from $1,316 to $2,956 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 $1,366 per year, or $114 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 $1,336.

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 $1,336 per year, and the most expensive trim is the Ford Escape Titanium AWD costing $1,592 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 $14 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 $1,342 to $3,074 per year for the example age groups. Full-coverage car insurance on the 2019 GMC Terrain ranges from $1,358 to $3,064 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 $1,418 per year, or $118 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 $1,378.

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 $1,378 per year, and the most expensive model and trim level is the GMC Terrain Denali AWD at a cost of $1,618 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 $28 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 $1,278 to $2,916 per year for the age groups used in this illustration. Auto insurance for the 2018 GMC Terrain ranges from $1,306 to $2,934 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 $1,318 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 $1,326 per year, or $111 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 $1,318 per year. The most expensive trim is the GMC Terrain Denali AWD at an average of $1,552 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 $1,354 per year to insure and the GMC Terrain costs $1,394, making the Ford Escape the cheaper model by $40 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 $1,214 to $2,760 per year for the 2017 Ford Escape, and $1,248 to $2,802 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 $1,270 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 $1,296 per year, or about $108 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 $1,270 per year. The most expensive model and trim level is the GMC Terrain Denali AWD at an average of $1,484 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 $1,286 per year for full coverage and the GMC Terrain costs $1,202, making the GMC Terrain the model with cheaper insurance by $84 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 $1,152 to $2,606 per year. A full-coverage policy on the 2016 GMC Terrain ranges from $1,076 to $2,380 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 $1,208 per year, or $101 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 $1,074 per year, or $90 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 $1,074 per year. The most expensive model and trim level is the Ford Escape Titanium AWD costing an average of $1,356 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 $18 cheaper to insure per year on average than a 2015 GMC Terrain, a difference of 1.6%.

The rate chart below visualizes the average insurance cost for both models with different driver age groups. Insurance cost ranges from $1,028 to $2,314 per year on the 2015 Ford Escape, and $1,042 to $2,334 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 $1,074 per year, or $90 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 $1,106 per year, or $92 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 $1,074 per year. The most expensive trim is the GMC Terrain Denali AWD costing an average of $1,244 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