- Ford Escape insurance costs an average of $1,498 per year, or about $125 per month for a policy with full coverage.
- With an insurance cost range of $282, the cheapest Escape trim level to insure is the S at around $1,358 per year, and the most expensive trim being the Titanium Plug-in Hybrid at $1,640 annually.
- The Escape ranks #33 out of 46 vehicles in the 2022 compact SUV class for car insurance affordability.
- Insurance for a used Ford Escape could save $396 or more per year over the cost of insuring a new 2022 model.
How much does Ford Escape insurance cost?
Insurance on a Ford Escape costs an average of $1,498 per year for a full-coverage policy. Monthly insurance payments for a 2022 Ford Escape range from $113 to $137, depending on where you live.
With the average small SUV costing $1,426 a year to insure, a Ford Escape costs $72 more per year than the segment average rate.
The following chart breaks down average car insurance cost for a 2022 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 at finding cheap insurance for a Ford Escape, while younger, high-risk drivers will generally pay more.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$3,412||$284|
|Safe Driver Age 20||$2,990||$249|
|At-fault Accidents Age 40||$2,124||$177|
|Low Deductibles Age 40||$1,936||$161|
|Safe Driver Age 30||$1,576||$131|
|Safe Driver Age 40||$1,498||$125|
|Safe Driver Age 50||$1,368||$114|
|Safe Driver Age 60||$1,342||$112|
|High Deductibles Age 40||$1,274||$106|
|Discount Rate Age 40||$1,244||$104|
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, Pennsylvania, could get an insurance bill for $12,366 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 $1,778 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 $45 and $159 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 $224 per year for a 40-year-old driver and $438 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 $236 per year for a 40-year-old driver and $462 per year for a 20-year-old driver.
- The cost to insure teen drivers is expensive. Average rates for full coverage Escape insurance costs $5,454 per year for a 16-year-old driver, $5,082 per year for a 17-year-old driver, and $4,738 per year for a 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 ($1,342 per year) and a 20-year-old driver ($2,990 per year) is $1,648, or a savings of 55.1%.
What is the cheapest Ford Escape insurance?
With Ford Escape insurance rates ranging from $1,358 to $1,640 annually, the most budget-friendly trim level to insure is the base S model. The second cheapest model to insure is the SE at $1,406 per year. Expect to pay a minimum of $113 per month for full coverage insurance.
For more equipped Escape trim levels, the three with the highest insurance rates are the Titanium AWD, the SEL Plug-in Hybrid, and the Titanium Plug-in Hybrid trim levels at an estimated $1,594, $1,612, and $1,640 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||6-month Policy||Per Month|
|SE Hybrid AWD||$1,462||$731||$122|
|SE Plug-in Hybrid||$1,510||$755||$126|
|SEL Hybrid AWD||$1,514||$757||$126|
|Titanium Hybrid AWD||$1,556||$778||$130|
|SEL Plug-in Hybrid||$1,612||$806||$134|
|Titanium Plug-in Hybrid||$1,640||$820||$137|
How do Ford Escape insurance rates rank vs. other SUVs?
The Ford Escape ranks #33 out of 46 comparison vehicles in the small SUV category. The Escape costs an average of $1,498 per year to insure, while the category median average cost is $1,426 annually, a difference of $72 per year.
When Ford Escape auto insurance rates are compared directly to other small SUVs, insurance for an Escape costs $58 more per year than the Toyota RAV4, is $162 more than the Honda CR-V, costs $74 more than the Chevrolet Equinox, and is $6 more 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 Jeep Compass, and the Subaru Forester. In addition, we also included a more comprehensive table after the chart that breaks down rates for all 46 models in the 2022 small SUV class.
|7||Nissan Rogue Sport||$1,272||-$226|
|11||Toyota Corolla Cross||$1,310||-$188|
|21||Mitsubishi Eclipse Cross||$1,408||-$90|
|34||Hyundai Ioniq 5||$1,514||$16|
|35||Mini Cooper Clubman||$1,516||$18|
|41||Mini Cooper Countryman||$1,582||$84|
|44||Ford Mustang Mach-E||$1,726||$228|
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 2022 model to a used 2017 model, the 2017 Escape will cost around $236 less per year. A 2013 model will cost around $396 less per year than insuring new.
The data table below shows average car insurance rates for a Ford Escape for the 2013 through 2022 model years. The average insurance cost ranges from the best rate of $1,056 for a 2014 Ford Escape to the most expensive rate of $1,498 for a 2022 model.
|Model Year and Vehicle||Annual Rate||6-month Rate||Monthly Rate|
|2022 Ford Escape||$1,498||$749||$125|
|2021 Ford Escape||$1,324||$662||$110|
|2020 Ford Escape||$1,302||$651||$109|
|2019 Ford Escape||$1,360||$680||$113|
|2018 Ford Escape||$1,316||$658||$110|
|2017 Ford Escape||$1,262||$631||$105|
|2016 Ford Escape||$1,218||$609||$102|
|2015 Ford Escape||$1,108||$554||$92|
|2014 Ford Escape||$1,056||$528||$88|
|2013 Ford Escape||$1,102||$551||$92|
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 $570 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 $1,274 a year from $1,498, a decrease of $224 a year or 15%. If you carry low deductibles on your policy now, the savings could be even more.