- Ford Escape insurance costs an average of $1,616 per year, or about $135 per month for a policy with full coverage.
- With an insurance cost range of $184, the cheapest Escape trim level to insure is the base model at around $1,512 per year, and the most expensive trim being the ST-Line Elite Hybrid AWD at $1,696 annually.
- The Escape ranks 27th out of 47 vehicles in the 2023 compact SUV class for car insurance affordability.
How much does Ford Escape insurance cost?
Insurance on a Ford Escape costs an average of $1,616 per year for a full-coverage policy. Monthly insurance payments for a 2023 Ford Escape range from $126 to $141, but can vary considerably based on where you live.
With the average small SUV costing $1,606 a year to insure, a Ford Escape costs $10 more per year than the segment average rate.
The following chart breaks down average car insurance cost for a 2023 Escape using a range of driver ages, deductible levels, and risk profiles. Middle-aged drivers who have good driving records and high policy deductibles have the best chance of finding cheap insurance for a Ford Escape, while younger, high-risk drivers will generally pay more.
To help readers grasp the full range of possible rates, consider that an Escape insurance policy with only liability coverage in the cheaper areas of Vermont or North Carolina costs as little as $208 a year, while a newly-licensed teenage driver with a tendency to speed in urban Philadelphia, could get an insurance bill for $12,572 a year for full coverage.
That’s a huge difference in auto insurance prices and illustrates why it’s so important to get accurate rates when comparing insurance quotes.
Other noteworthy conclusions regarding Escape insurance cost include:
- High-risk drivers pay higher Ford Escape insurance rates. For a 50-year-old driver, having to buy a high-risk policy due to excessive accidents and/or violations could end up with a rate increase of $1,922 or more per year.
- Save money due to your employment. Many auto insurance providers offer discounts for working in professions like engineering, nursing, law enforcement, farming, firefighting, medicine, and other occupations. Qualifying for an occupational discount may save between $48 and $178 on your yearly Escape insurance premium, subject to policy limits.
- Raising physical damage deductibles lowers cost. Boosting your deductibles from $500 to $1,000 could save around $238 per year for a 40-year-old driver and $466 per year for a 20-year-old driver.
- Choosing a low deductible may not make good financial sense. Decreasing your deductibles from $500 to $250 could cost an additional $248 per year for a 40-year-old driver and $490 per year for a 20-year-old driver.
- The cost to insure teen drivers is expensive. Average rates for full coverage Escape insurance costs $5,906 per year for a 16-year-old driver, $5,496 per year for a 17-year-old driver, and $5,122 per year for an 18-year-old driver.
- As driver age increases, insurance rates tend to go down. The difference in insurance rates for an Escape between a 60-year-old driver ($1,446 per year) and a 20-year-old driver ($3,224 per year) is $1,778, or a savings of 76.1%.
What is the cheapest Ford Escape insurance?
With Ford Escape insurance rates ranging from $1,512 to $1,696 annually, the most budget-friendly trim level to insure is the base model. The second cheapest model to insure is the Active trim level at $1,542 per year. Expect to pay a minimum of $126 per month for full coverage insurance.
For more equipped Escape trim levels, the three with the highest insurance rates are the ST-Line Elite AWD, the Plug-in Hybrid, and the ST-Line Elite Hybrid AWD trim levels at an estimated $1,686, $1,686, and $1,696 per year, respectively.
The rate table below displays average car insurance rates for the Ford Escape, in addition to a monthly budget amount, for each model and trim level.
| Ford Escape Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Base | $1,512 | $756 | $126 |
| Active | $1,542 | $771 | $129 |
| Base AWD | $1,544 | $772 | $129 |
| ST-Line | $1,558 | $779 | $130 |
| Active AWD | $1,578 | $789 | $132 |
| ST-Line AWD | $1,594 | $797 | $133 |
| ST-Line Hybrid | $1,620 | $810 | $135 |
| ST-Line Select AWD | $1,630 | $815 | $136 |
| ST-Line Select Hybrid AWD | $1,644 | $822 | $137 |
| Platinum Hybrid | $1,670 | $835 | $139 |
| Platinum Hybrid AWD | $1,686 | $843 | $141 |
| ST-Line Elite AWD | $1,686 | $843 | $141 |
| Plug-in Hybrid | $1,686 | $843 | $141 |
| ST-Line Elite Hybrid AWD | $1,696 | $848 | $141 |
How do Ford Escape insurance rates rank vs. other SUVs?
The Ford Escape ranks 27th out of 47 comparison vehicles in the small SUV category. The Escape costs an average of $1,616 per year to insure, while the category median average cost is $1,606 annually, a difference of $10 per year.
When Ford Escape auto insurance rates are compared directly to other small SUVs, insurance for an Escape costs $18 less per year than the Toyota RAV4, $120 more than the Honda CR-V, $28 more than the Chevrolet Equinox, and $6 less than the Nissan Rogue.
The chart below shows how average insurance cost for a Ford Escape compares to the rest of the top 10 selling small SUVs in the U.S., including the Mazda CX-5, the Chevy Equinox, and the Subaru Crosstrek. In addition, we also included a more comprehensive table after the chart that breaks down rates for all 47 models in the 2023 small SUV class.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,334 | -$282 |
| 2 | Subaru Crosstrek | $1,346 | -$270 |
| 3 | Nissan Kicks | $1,354 | -$262 |
| 4 | Nissan Rogue Sport | $1,378 | -$238 |
| 5 | Mazda CX-5 | $1,386 | -$230 |
| 6 | Buick Encore | $1,406 | -$210 |
| 7 | Buick Envision | $1,410 | -$206 |
| 8 | Kia Seltos | $1,430 | -$186 |
| 9 | Hyundai Venue | $1,440 | -$176 |
| 10 | Honda HR-V | $1,464 | -$152 |
| 11 | Hyundai Kona | $1,480 | -$136 |
| 12 | Subaru Forester | $1,486 | -$130 |
| 13 | Honda CR-V | $1,496 | -$120 |
| 14 | Mazda CX-30 | $1,498 | -$118 |
| 15 | Chevrolet Trax | $1,514 | -$102 |
| 16 | Volkswagen Tiguan | $1,532 | -$84 |
| 17 | Ford Bronco Sport | $1,536 | -$80 |
| 18 | Fiat 500X | $1,564 | -$52 |
| 19 | GMC Terrain | $1,566 | -$50 |
| 20 | Kia Soul | $1,568 | -$48 |
| 21 | Mitsubishi Eclipse Cross | $1,572 | -$44 |
| 22 | Chevrolet Equinox | $1,588 | -$28 |
| 23 | Toyota Corolla Cross | $1,592 | -$24 |
| 24 | Volkswagen Taos | $1,600 | -$16 |
| 25 | Mazda CX-50 | $1,610 | -$6 |
| 26 | Hyundai Tucson | $1,614 | -$2 |
| 27 | Ford Escape | $1,616 | -- |
| 28 | Nissan Rogue | $1,622 | $6 |
| 29 | Toyota RAV4 | $1,634 | $18 |
| 30 | Mazda MX-30 | $1,636 | $20 |
| 31 | Kia Niro | $1,638 | $22 |
| 32 | Mini Cooper | $1,648 | $32 |
| 33 | Jeep Compass | $1,652 | $36 |
| 34 | Mini Cooper Clubman | $1,674 | $58 |
| 35 | Jeep Renegade | $1,698 | $82 |
| 36 | Chevrolet Bolt | $1,710 | $94 |
| 37 | Toyota bz4X | $1,716 | $100 |
| 38 | Kia Sportage | $1,760 | $144 |
| 39 | Hyundai Ioniq 5 | $1,764 | $148 |
| 40 | Mini Cooper Countryman | $1,812 | $196 |
| 41 | Mitsubishi Mirage | $1,818 | $202 |
| 42 | Mitsubishi Outlander | $1,820 | $204 |
| 43 | Volkswagen ID4 | $1,832 | $216 |
| 44 | Kia EV6 | $1,870 | $254 |
| 45 | Dodge Hornet | $1,872 | $256 |
| 46 | Hyundai Nexo | $1,938 | $322 |
| 47 | Ford Mustang Mach-E | $1,996 | $380 |
How much is car insurance on a used Ford Escape?
In most cases, insuring a used Ford Escape will be cheaper than insuring a new model. For example, when comparing insurance rates for a new 2023 model to a used 2017 model, the 2017 Escape will cost around $260 less per year. A 2013 model will cost around $430 less per year than insuring new.
The data table below shows average car insurance rates for a Ford Escape for the 2013 through 2023 model years. The average insurance cost ranges from the best rate of $1,128 for a 2014 Ford Escape to the most expensive rate of $1,616 for a 2023 model.
| Model Year and Vehicle | Annual Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2023 Ford Escape | $1,616 | $808 | $135 |
| 2022 Ford Escape | $1,630 | $815 | $136 |
| 2021 Ford Escape | $1,446 | $723 | $121 |
| 2020 Ford Escape | $1,426 | $713 | $119 |
| 2019 Ford Escape | $1,478 | $739 | $123 |
| 2018 Ford Escape | $1,430 | $715 | $119 |
| 2017 Ford Escape | $1,356 | $678 | $113 |
| 2016 Ford Escape | $1,316 | $658 | $110 |
| 2015 Ford Escape | $1,174 | $587 | $98 |
| 2014 Ford Escape | $1,128 | $564 | $94 |
| 2013 Ford Escape | $1,186 | $593 | $99 |
At some point down the road, vehicle owners have to make the decision to delete comprehensive and/or collision coverage from the policy. As vehicles age and depreciate, the sticker price of comprehensive and collision coverage surpasses the benefits provided by having it.
Dropping full coverage on an older Ford Escape could save in the ballpark of $598 per year, depending on how high the deductibles were and the age of the driver.
Deciding when to eliminate full coverage is a personal decision that only you can decide based on your financial situation. If you don’t have the resources necessary to purchase a different vehicle if you Escape gets totaled, then you might want to keep physical damage coverage in place.
Another option to save money is to look at increasing your comprehensive and collision deductibles. High deductible physical damage coverage can decrease rates to an estimated $1,378 a year from $1,616, a decrease of $238 a year or 15.9%. If you carry low deductibles on your policy now, the savings could be even more.
