Ford Escape or Subaru Forester Insurance – Which is Cheapest?

• When insurance rates for 2024 models are compared, a Subaru Forester is generally cheaper to insure than a Ford Escape by an average of $54 per year.
• The Ford Escape costs $83 less per year than the national average cost of car insurance of $2,221, while the Subaru Forester costs an average of $137 less per year.
• For a 2024 model year Ford Escape, auto insurance prices cost from $2,002 to $2,228 per year, while the insurance price for the 2024 Subaru Forester ranges from $1,936 to $2,192.

Does insurance cost less for a Ford Escape or Subaru Forester?

Insurance on a 2024 Ford Escape averages $2,138 per year, and insurance for a Subaru Forester costs an average of $2,084 per year, making the Subaru Forester the cheaper model to insure.

For the 10 trim levels available for the 2024 Ford Escape, the cheapest trim level to insure is the Active trim at an average cost of $2,002 per year.

For the six trims available for the Subaru Forester, the cheapest 2024 trim level to insure is the Base trim at a cost of $1,936.

When rates for all 16 trim levels for both 2024 models are compared, the cheapest vehicle to insure is the Subaru Forester Base at an average cost of $1,936 per year. The overall most expensive vehicle to insure is the Ford Escape Plug-in Hybrid costing $2,228 per year.

The next table compares and ranks the 12-month and monthly car insurance cost for 2024 Ford Escape and Subaru Forester models, with average rates for each trim level.

The rate chart below illustrates the average cost to insure both models rated for different driver ages. For a 2024 Ford Escape, average car insurance cost ranges from $1,898 to $4,312 per year for the driver ages used. A 2024 Subaru Forester costs from $1,834 to $4,276 to insure per year.

The tables below illustrate average car insurance rates for each trim level, as well as the overall average rate for each model.

2023 Ford Escape vs. Subaru Forester

Average car insurance rates for a 2023 Ford Escape are $2,086 per year, while insurance for a 2023 Subaru Forester averages $1,926 per year, making the Subaru Forester the cheaper of the two by $160 per year.

Out of 14 trim levels for the 2023 Ford Escape, the cheapest insurance prices are on the Base trim at a cost of $1,948 per year. For the six trims available for the Subaru Forester, the cheapest 2023 model to insure is the Base AWD model at a cost of $1,782.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Subaru Forester Base AWD at an average cost of $1,782 per year. The most expensive model and trim level is the Ford Escape ST-Line Elite Hybrid AWD at an average cost of $2,188 per year.

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

The next chart illustrates the average cost to insure the two models with different drivers at the wheel. For a 2023 Ford Escape, the average car insurance cost ranges from $1,854 to $4,216 per year for the age groups used in this illustration. A 2023 Subaru Forester costs from $1,692 to $3,942 to insure per year.

The tables below show trim level insurance rates for each 2023 model, along with the average rate for each model.

2022 Ford Escape vs. Subaru Forester

For 2022, the model with the cheapest average insurance rates is the Subaru Forester. Insurance on a Ford Escape costs an average of $2,102 per year, while insurance for the Subaru Forester averages $1,852 per year.

Within each different model, however, insurance cost varies significantly depending on the trim level being insured. For the Ford Escape, insurance rates range from the lowest full-coverage rate of $1,904 per year for the S model up to the most expensive rate of $2,302 for the Titanium Plug-in Hybrid model. For a 2022 Subaru Forester, rates range from $1,740 per year for the AWD model up to $1,964 on the most expensive Wilderness AWD model.

The table below compares the cost of car insurance for 2022 Ford Escape and Subaru Forester models, broken down by trim level.

The chart shown below shows the average cost to insure the two models with different driver age groups. For a 2022 Ford Escape, insurance cost ranges from $1,866 to $4,254 per year for the illustrated age groups. A full-coverage policy on a 2022 Subaru Forester ranges from $1,628 to $3,780 on average per year.

Out of 15 Ford Escape trim levels, the cheapest 2022 trim to insure is the S model at an average cost of $1,904 per year. For the six different trims available for a Subaru Forester, the lowest-cost 2022 trim to insure is the AWD model at a cost of $1,740 per year, or around $145 per month.

When average insurance prices for all 21 trim levels for both vehicles are compared, the cheapest trim to buy insurance for is the Subaru Forester AWD at an average of $1,740 per year, and the most expensive model and trim level is the Ford Escape Titanium Plug-in Hybrid at an average cost of $2,302 per year.

The tables below break down the average cost to insure all 2022 trim levels, plus the average rate for each model.

2021 Ford Escape vs. Subaru Forester

When comparing insurance rates for 2021 models, a Ford Escape costs an average of $1,868 per year to insure and a Subaru Forester costs $1,846, making the Subaru Forester cheaper to insure by $22 per year for 2021.

The chart below demonstrates the average cost to insure both 2021 models for drivers aged 20 to 50. For the 2021 Ford Escape, average insurance cost ranges from $1,660 to $3,776 per year for the five age groups shown in the chart. Insurance on a 2021 Subaru Forester ranges from $1,628 to $3,778 on average per year.

For the 10 trims available for a 2021 Ford Escape, the lowest-cost trim to insure is the S 2WD model at an average cost of $1,738 per year.

For the six different trim levels available for the Subaru Forester, the lowest-cost 2021 trim level to insure is the AWD trim at a cost of $1,764.

When rates for all 16 trim levels for both vehicles are combined and compared, the cheapest trim to put coverage on is the Ford Escape S 2WD at an average rate of $1,738 per year, and the highest-cost model and trim level is the Ford Escape Titanium AWD at an average of $2,028 per year.

The two tables below display average car insurance rates for every trim level for both 2021 models, including an overall average rate.

2020 Ford Escape vs. Subaru Forester

When comparing car insurance rates for 2020 models, the Ford Escape costs $1,814 per year for full coverage and the Subaru Forester costs $1,792, making the Subaru Forester the cheaper model by $22 for this model year.

The next chart displays the average car insurance cost for the two models for a range of driver ages. Average insurance cost ranges from $1,612 to $3,662 per year for the 2020 Ford Escape, and $1,582 to $3,668 for the 2020 Subaru Forester.

Out of 10 trims for a 2020 Ford Escape, the lowest-cost average car insurance prices are on the S 2WD model at a cost of $1,686 per year, or about $141 per month.

For the six trim options available for the Subaru Forester, the cheapest 2020 trim to insure is the AWD trim at a cost of $1,710 per year, or $143 per month.

When rates for all 16 trim levels for both vehicles are compared, the cheapest vehicle to buy insurance for is the Ford Escape S 2WD at a cost of $1,686 per year, and the most expensive model and trim level is the Ford Escape Titanium AWD costing an average of $1,964 per year.

The tables shown below show average car insurance rates for every trim level for both 2020 models, as well as an average rate for each model. The model with the cheapest auto insurance rates for 2020 is the Subaru Forester.

2019 Ford Escape vs. Subaru Forester

When comparing insurance cost for the 2019 Ford Escape and Subaru Forester models, the Subaru Forester is cheaper to insure by $160 per year.

The following chart displays the average car insurance cost for the two models for the 20, 30, 40, and 50-year-old driver age groups. For the 2019 Ford Escape, average car insurance cost ranges from $1,656 to $3,794 per year. Auto insurance on the 2019 Subaru Forester ranges from $1,506 to $3,478 on average per year.

Out of seven Ford Escape trim levels, the lowest-cost 2019 model to insure is the S 2WD trim at an average cost of $1,752 per year, or $146 per month. For the 10 trim and option levels available for a Subaru Forester, the lowest-cost 2019 model to insure is the 2 AWD trim at a cost of $1,616 per year, or about $135 per month.

When looking at the combined rates by trim level for both models, the cheapest model and trim level to insure is the Subaru Forester 2 AWD at a cost of $1,616 per year, and the highest-cost model and trim is the Ford Escape Titanium AWD at an average of $1,988 per year.

The next tables display the average cost to insure each trim level for a 2019 Ford Escape and Subaru Forester, along with the average rate for each model. The 2019 Subaru Forester has cheaper average car insurance rates than the 2019 Ford Escape.

2018 Ford Escape vs. Subaru Forester

A 2018 Subaru Forester costs $146 less per year to insure per year on average than a 2018 Ford Escape, a difference of 8.6%.

The rate chart below illustrates the average car insurance cost for both 2018 models rated for drivers aged 20 to 50. Average car insurance cost ranges from $1,578 to $3,598 per year for the 2018 Ford Escape, and $1,438 to $3,306 on the 2018 Subaru Forester for the age groups used in the chart.

The 2018 Ford Escape has seven trim levels available, with the most affordable trim to insure being the S 2WD trim at an average cost of $1,626 per year.

For the six trim options available for a Subaru Forester, the cheapest 2018 model to insure is the 2.5I AWD trim at a cost of $1,490.

When looking at the combined rates by trim for both models, the lowest-cost model and trim to insure is the Subaru Forester 2.5I AWD at a cost of $1,490 per year, and the most expensive model and trim level is the Ford Escape Titanium AWD at an average of $1,904 per year.

The tables below illustrate trim level insurance cost averages for both 2018 models, along with the average rate for each model. The model with the cheapest overall car insurance rates for 2018 is the Subaru Forester.

2017 Ford Escape vs. Subaru Forester

A 2017 Subaru Forester is $128 cheaper to insure per year on average than a 2017 Ford Escape, a difference of 7.9%.

The next chart displays the average cost to insure the two models using different driver ages. For a 2017 Ford Escape, insurance cost ranges from $1,494 to $3,404 per year for these driver ages. Auto insurance on the 2017 Subaru Forester costs from $1,376 to $3,156 on average per year.

Out of five trims for a 2017 Ford Escape, the cheapest average car insurance prices are on the S 2WD trim at a cost of $1,570 per year. Out of the 13 different option levels available for a Subaru Forester, the cheapest 2017 trim level to insure is the 2.5I AWD trim at a cost of $1,414.

When trim-level rates for both models are compared, the lowest-cost model and trim to put coverage on is the Subaru Forester 2.5I AWD at an average of $1,414 per year. The most expensive trim is the Ford Escape Titanium AWD costing $1,776 per year.

The rate tables below illustrate the average cost to insure all 2017 trim levels, plus an average rate for each model. The winner for the 2017 car insurance cost comparison is the Subaru Forester.

2016 Ford Escape vs. Subaru Forester

For 2016 Ford Escape and Subaru Forester models, the Subaru Forester has lower-cost car insurance by an average of $46 per year.

The next chart illustrates the average cost to insure both models with different driver age groups. For a 2016 Ford Escape, average insurance cost ranges from $1,422 to $3,214 per year. Full-coverage insurance for the 2016 Subaru Forester costs from $1,378 to $3,116 on average per year.

The 2016 Ford Escape has five trim levels available, with the most affordable trim level to insure being the S 2WD model at an average cost of $1,492 per year.

A 2016 Subaru Forester has 13 different trim levels available, with the most affordable trim to insure being the 2.5I AWD trim at an average cost of $1,410 per year.

When car insurance rates for all 18 trims of both models are combined and sorted by cost, the most affordable model and trim level to buy insurance for is the Subaru Forester 2.5I AWD at a cost of $1,410 per year, and the most expensive vehicle to insure is the Ford Escape Titanium AWD costing $1,676 per year.

The two tables below detail trim level insurance cost averages for both 2016 models, along with the average rate for each model. The winner for the 2016 car insurance cost comparison is the Subaru Forester.

2015 Ford Escape vs. Subaru Forester

A 2015 Ford Escape is $54 cheaper to insure per year on average than a 2015 Subaru Forester, a difference of 3.7%.

The chart shown below illustrates the average car insurance cost for both 2015 models rated for different driver ages. The average cost of full-coverage insurance ranges from $1,268 to $2,856 per year for a 2015 Ford Escape, and $1,314 to $2,968 on the 2015 Subaru Forester for the age groups in the chart.

Out of five trims for a 2015 Ford Escape, the cheapest auto insurance rates are on the S 2WD trim at a cost of $1,326 per year.

The 2015 Subaru Forester has 13 trim and option levels available, with the lowest-cost trim level to insure being the 2.5I AWD trim at an average cost of $1,356 per year, or about $113 per month.

When all 18 trims of both models are combined and compared, the lowest-cost model and trim to buy insurance for is the Ford Escape S 2WD at an average of $1,326 per year. The overall most expensive vehicle to insure is the Subaru Forester 2.0XT Touring AWD costing an average of $1,550 per year.

The next two rate tables illustrate average car insurance cost by trim level for a 2015 Ford Escape and Subaru Forester, as well as an average rate for each model.

Additional Ford Escape and Subaru Forester Resources

• Ford Escape Insurance Cost
• Subaru Forester Insurance Cost
• Small SUV Insurance Cost Comparisons