Ford Escape Insurance Rates for 2023

Is a Ford Escape expensive to insure?

From the base model to the higher cost ST-Line Elite Hybrid AWD trim, we compared insurance rates on a 2023 Escape to see how prices size up to the entire 2023 small SUV segment.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Ford Escape 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 Escape trim levels.Data last updated on March 2, 2023
Ford Escape Insurance Cost Summary
2023 Ford Escape Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,680$307
Safe Driver Age 20$3,224$269
At-fault Accidents Age 40$2,292$191
Low Deductibles Age 40$2,080$173
Safe Driver Age 30$1,696$141
Safe Driver Age 40$1,616$135
Safe Driver Age 50$1,474$123
Safe Driver Age 60$1,446$121
High Deductibles Age 40$1,378$115
Discount Rate Age 40$1,342$112

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.

2019 Ford Escape SE in Sedona Orange
2019 Ford Escape SE 4WD in Sedona Orange

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.

2023 Ford Escape Insurance Cost by 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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Ford Escape, 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.Data last updated on March 2, 2023
Ford Escape Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Ford Escape, 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 Ford Escape trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2023
Ford Escape vs Top 10 Small SUVs Insurance Cost Comparison
Ford Escape Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$282
2Subaru Crosstrek$1,346-$270
3Nissan Kicks$1,354-$262
4Nissan Rogue Sport$1,378-$238
5Mazda CX-5$1,386-$230
6Buick Encore$1,406-$210
7Buick Envision$1,410-$206
8Kia Seltos$1,430-$186
9Hyundai Venue$1,440-$176
10Honda HR-V$1,464-$152
11Hyundai Kona$1,480-$136
12Subaru Forester$1,486-$130
13Honda CR-V$1,496-$120
14Mazda CX-30$1,498-$118
15Chevrolet Trax$1,514-$102
16Volkswagen Tiguan$1,532-$84
17Ford Bronco Sport$1,536-$80
18Fiat 500X$1,564-$52
19GMC Terrain$1,566-$50
20Kia Soul$1,568-$48
21Mitsubishi Eclipse Cross$1,572-$44
22Chevrolet Equinox$1,588-$28
23Toyota Corolla Cross$1,592-$24
24Volkswagen Taos$1,600-$16
25Mazda CX-50$1,610-$6
26Hyundai Tucson$1,614-$2
27Ford Escape$1,616--
28Nissan Rogue$1,622$6
29Toyota RAV4$1,634$18
30Mazda MX-30$1,636$20
31Kia Niro$1,638$22
32Mini Cooper$1,648$32
33Jeep Compass$1,652$36
34Mini Cooper Clubman$1,674$58
35Jeep Renegade$1,698$82
36Chevrolet Bolt$1,710$94
37Toyota bz4X$1,716$100
38Kia Sportage$1,760$144
39Hyundai Ioniq 5$1,764$148
40Mini Cooper Countryman$1,812$196
41Mitsubishi Mirage$1,818$202
42Mitsubishi Outlander$1,820$204
43Volkswagen ID4$1,832$216
44Kia EV6$1,870$254
45Dodge Hornet$1,872$256
46Hyundai Nexo$1,938$322
47Ford 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.

2019 Ford Escape SE in Sedona Orange with alloy wheels
2019 Ford Escape SE 1.5L EcoBoost AWD in Sedona Orange with 17″ aluminum alloy wheels

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.

Ford Escape Insurance Cost for 2013-2023 Models
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

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.Data last updated on March 2, 2023
Ford Escape Insurance Cost by Model Year

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.