Ford EcoSport Insurance Cost for 2021

How much are Ford EcoSport insurance rates? We explore average car insurance prices from the base S trim up to the loaded Titanium 4WD model to find out how EcoSport insurance compares to the rest of the compact SUV market.

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  • Ford EcoSport insurance costs an average of $1,230 per year, or around $103 per month, for full coverage.
  • The cheapest model to insure is the EcoSport S 2WD at an estimated $1,168 per year, while the EcoSport Titanium 4WD is the most expensive to insure at $1,274 per year.
  • The Ford EcoSport is one of the cheaper small SUVs to insure for the 2021 model year, costing $127 less per year on average as compared to the rest of the vehicles in the segment.

How much does Ford EcoSport insurance cost?

Ford EcoSport insurance costs an average of $1,230 a year for a full coverage policy. Average cost per month ranges from $97 to $106 depending on the trim level.

When a policy is broken down into individual coverages, liability and medical (or PIP) coverage is around $430 a year, comprehensive coverage costs approximately $322, and the remaining collision coverage is approximately $478.

The chart below demonstrates average car insurance rates on a 2021 EcoSport using different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Ford Ecosport with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ford Ecosport trim levels.
Ford Ecosport Insurance Cost Summary
Ford Ecosport Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$2,748$229
Safe Driver Age 20$2,410$201
At-fault Accidents Age 40$1,722$144
Low Deductibles Age 40$1,580$132
Safe Driver Age 30$1,290$108
Safe Driver Age 40$1,230$103
Safe Driver Age 50$1,118$93
Safe Driver Age 60$1,098$92
High Deductibles Age 40$1,048$87
Discount Rate Age 40$1,026$86

In the chart above rates range from a discount rate for a 40-year-old driver of $1,026 to the high-risk average rate for a 30-year-old driver of $2,748 per year.

Not shown in the chart are rates for teenage drivers.  A 16-year-old male driver with a clean driving record would pay around $4,370 while a 16-year-old female would pay about $3,850. At age 17, males would pay around $4,068 and females $3,624.

A few additional important insights about insuring a Ford EcoSport include:

  • A good driving record means cheaper insurance cost. To get the cheapest EcoSport insurance rates, it pays to avoid traffic tickets. As a matter of fact, just a couple minor infractions on your driving record can increase EcoSport insurance cost as much as $314 per year. Serious convictions like reckless driving and leaving the scene of an accident, DUI, or driving on a revoked license could raise rates by an additional $1,096 or more.
  • EcoSport insurance rates for teenagers are high. Average rates for full coverage EcoSport insurance costs $4,370 per year for a 16-year-old driver, $4,068 per year for a 17-year-old driver, and $3,794 per year for a 18-year-old driver.
  • High risk insurance is expensive. For a 50-year-old driver, the requirement to buy a high-risk policy could raise rates by $1,412 or more per year.
  • As you age, insurance rates get cheaper. The difference in insurance rates for a Ford EcoSport between a 60-year-old driver ($1,098 per year) and a 20-year-old driver ($2,410 per year) is $1,312, or a savings of 54.4%.
  • Safe drivers have cheaper EcoSport insurance. Causing frequent accidents will increase insurance cost, possibly as much as $1,676 per year for a 20-year-old driver and as much as $358 per year for a 60-year-old driver.

What is the cheapest Ford EcoSport car insurance?

The cheapest model to insure is the Ecosport S 2WD at $1,168 per year, or about $97 per month. The second cheapest trim is the SE 2WD at $1,182 per year, and the third cheapest model to insure is the S 4WD also at $1,214 per year.

In the upper range of insurance cost, the three most expensive models to insure are the EcoSport SES 4WD, the Titanium 2WD, and the Titanium 4WD trim levels at an estimated $1,274 per year.

The average monthly cost to insure a Ford EcoSport ranges between $97 to $106 per month for a full-coverage policy. Keep in mind that these are average rates, which can vary a lot based on the age of the driver, location, policy limits, and in some states, even the insured’s credit rating.

The next table displays average Ford EcoSport insurance rates for annual, semi-annual, and monthly terms, for each 2021 model year trim level.

2021 Ford Ecosport Insurance Cost by Trim Level
Ford Ecosport Trim Level Annual Policy 6-month Policy Per Month
S 2WD$1,168$584$97
SE 2WD$1,182$591$99
S 4WD$1,214$607$101
SE 4WD$1,228$614$102
SES 4WD$1,274$637$106
Titanium 2WD$1,274$637$106
Titanium 4WD$1,274$637$106

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Ford Ecosport, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Ford Ecosport Insurance Cost by Trim Level

Is Ford EcoSport insurance cheaper than other small SUVs?

The Ford EcoSport ranks #5 out of 41 comparison vehicles in the 2021 compact SUV segment. It costs an estimated $1,230 per year to insure, while the class average is $1,357 annually, a difference of $127 per year.

When rates are compared to the most popular models in the small SUV category, insurance for a Ford EcoSport costs $206 less per year than the Toyota RAV4, $24 more than the Honda CR-V, $52 less than the Chevrolet Equinox, and $104 less than the Nissan Rogue.

When compared to all vehicles, average Ford EcoSport insurance costs 19.2% less than the national average car insurance rate of $1,523 per year.

The table below shows how average car insurance cost for a Ford EcoSport compares to all other small SUVs (excluding small luxury SUVs).

Insurance Cost Comparison: Ford Ecosport vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-3$1,160-$70
2Honda CR-V$1,206-$24
3Mazda CX-5$1,222-$8
4Mazda CX-30$1,226-$4
5Ford Ecosport$1,230--
6Toyota C-HR$1,234$4
7Nissan Rogue Sport$1,242$12
8Hyundai Kona$1,244$14
9Chevrolet Trax$1,246$16
10Buick Envision$1,254$24
11Nissan Kicks$1,256$26
12Hyundai Venue$1,258$28
13Mitsubishi Eclipse Cross$1,260$30
14Hyundai Tucson$1,264$34
15Kia Sportage$1,268$38
16Jeep Compass$1,270$40
17Kia Soul$1,274$44
18Chevrolet Equinox$1,282$52
19Chevrolet Trailblazer$1,290$60
20Honda HR-V$1,302$72
21Volkswagen Tiguan$1,308$78
22Subaru Forester$1,318$88
23Ford Escape$1,328$98
24Nissan Rogue$1,334$104
25Subaru Crosstrek$1,334$104
26Buick Encore$1,334$104
27Kia Seltos$1,344$114
28GMC Terrain$1,346$116
29Volkswagen ID4$1,382$152
30Fiat 500X$1,386$156
31Jeep Renegade$1,394$164
32Toyota RAV4$1,436$206
33Kia Niro$1,450$220
34Mini Cooper Countryman$1,486$256
35Mini Cooper$1,512$282
36Mitsubishi Mirage$1,540$310
37Ford Bronco$1,612$382
38Mini Cooper Clubman$1,650$420
39Mitsubishi Outlander$1,678$448
40Jeep Wrangler$1,706$476
41Hyundai Nexo$1,788$558

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Insurance Cost Comparison: Ford Ecosport vs Small SUVs

Will buying a newer EcoSport cost more for insurance?

Buying a new 2021 Ford EcoSport instead of a used 2018 model will cost around $200 a year more for insurance. Even buying an almost new 2019 model could save you $178 annually over the cost of buying new.

The data table below details average full coverage car insurance rates for various Ford EcoSport model years. Insurance prices range from a low of $1,030 for a 2018 Ford EcoSport to the most expensive yearly cost of $1,230 for a 2021 model year.

Ford Ecosport Insurance Cost for 2018-2021 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2021 Ford Ecosport$1,230$615$103
2020 Ford Ecosport$1,202$601$100
2019 Ford Ecosport$1,052$526$88
2018 Ford Ecosport$1,030$515$86

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Ford Ecosport Insurance Cost by Model Year