Ford Escape Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Ford Escape than the average SUV.

• Full coverage for an Escape typically runs about $138 monthly, while liability only insurance costs come in at around $78.

• Aspire is the lowest auto insurance carrier for an Escape.

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Escape Overview

Coming in with a base MSRP of $24,885 for new 2021 models, the Ford Escape is a great budget-friendly car for drivers of all types. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a great choice for your budget when thinking about your insurance premiums.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that average Ford Escape auto insurance prices run about $138 per month. How do insurance rates for the Escape compare to prices of other similar SUVs?

How Much is Car Insurance for a Ford Escape?

Based on the table above, when you compare the Ford Escape to other vehicles, insurance costs are more affordable than average. Escape drivers can expect to pay around $138 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $78 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the Escape is less expensive, with premiums more than 10% lower than the other vehicle types offered by Ford. Likewise, coverage for the Escape is cheaper than average when compared to other vehicles of a similar body style, with both full and liability insurance averaging less expensive rates than other SUVs.

When compared to all vehicles, regardless of make, model, or body style, the Escape follows a similar pattern of having below average car insurance prices.

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Who has the Cheapest Car Insurance for a Ford Escape?

Browsing for a car insurance policy for your Ford Escape? You might want to know which company offers the most affordable prices. Although premiums can differ considerably depending on your driver profile, the most affordable average rates for liability only insurance are sometimes as little as $33 per month from AnswerFinancial. The runner up for cheapest rates is StateAuto, with insurance polices starting as cheap as just $34 monthly.

Finishing off the rest of the top 5 are Oasis, Ohio Mutual, and Verti. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take a whole range of different factors into consideration when calculating monthly rates. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from a range of car insurance companies.

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What Factors Affect Car Insurance Rates for a Ford Escape?

There are a whole range of things that auto insurance carriers consider to calculate how much to charge you -- and every carrier weighs different attributes more heavily than others, so there's not one company that's the most affordable for everyone.

The sections below show a lot of the variables car insurance companies use to calculate rates:

Vehicle Age

The Ford Escape has been around for a while -- that means vehicle age can make a difference in what you end up paying for auto insurance. Normally, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go down.

Based on the information in the above table, the Ford Escape is not quite in line with this trend, as the most expensive models to insure are those that are 15 years old or more, while the cheapest Escapes are 1 year old or less, on average.

Your Age

How old you are makes a big difference in how much insurance carriers will charge you for auto insurance. As you can see above, those who have more experience on the road pay less for insurance than the youngest drivers. Ford Escape drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Escape.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable costs. When it comes to Escape drivers specifically, men pay about 5% more than women per month for car insurance.

Where You Live

You may already know that things like what vehicle you drive and how old you are play a role in your insurance premiums, but you may not realize that where you live matters, too. Auto insurance is regulated at the state level, so rates vary quite a bit depending on what state you live in.

For example, the average Ford Escape owner from New York pays around $161 a month for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average. The table above shows average prices for the 10 largest states by population, just to give you a good idea of how much costs can change from state to state.

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Ford Escape Car Insurance Discounts

No matter your car, your age, or your home state, it's always the smart move to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Multi-car discounts for adding more than one vehicle to your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

While discounts are always a good way to save money on your car insurance, sometimes, it's actually having a favorable insurance history and driving record that get you the best rates.

While you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), you do have a say over some of it. Below are just a few of the ones you can use to your advantage in order to save on insurance:

Your Driving Record

You've most likely observed ads from auto insurance companies promoting large savings for safe drivers. And you're probably not surprised to hear that if you get into an accident or get speeding tickets, insurance rates will go up. But exactly how much is it going to cost you for these infractions?

You can tell from the table above that accidents will usually cost Escape drivers more than tickets, but both will result in a raise in rates. Ford Escape drivers with one ticket will pay about $91 monthly, while drivers with a single accident on their record pay an average of $96 each month (up $18 from the $78/mo. overall average). The rates only increase the more collisions you have or tickets you get.

How Much You Drive

Another variable that impacts your car insurance costs is the amount of miles you drive annually. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll generally get more affordable prices. Above, you can see that Ford Escape owners who drive fewer than 2,500 miles every year pay about $69 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $77.

If you don't use your Ford Escape that often, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Ford Escapes Compare to Other Vehicles?

If you're considering making a Ford Escape your next purchase, it might be helpful to do your research. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth thinking about carefully.

Visit the table below to see how the Ford Escape stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Ford Escape is a great value when it comes to price. While the average vehicle price in the U.S. is $46,228, the Escape starts at just $24,885.

Likewise, car insurance premiums run below average when compared to other vehicles on the market. Full coverage insurance for a Ford Escape is about $42 per month cheaper than average, while liability only coverage is $17 cheaper a month.

When it comes to usage, Ford Escape drivers are pretty close to the national average in annual miles driven, with 11,706 miles per year compared to 11,681 for all vehicles.

Ford Escape Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much you might pay for insurance. But if you're in the market for a new car, truck, or SUV and the Escape is on your wishlist, knowing what you can expect to pay can be extremely valuable as you weigh your options.

So we've decided to break down Ford Escape car insurance prices by model year. Choose a specific Escape model year in the dropdown below and see average rates for both liability only and full coverage. We've included some additional information you might find helpful, too, such as the base MSRP, who offers the cheapest policies, which trim levels are offered for each Escape model year.

Choose Your Model

2021 Ford Escape Car Insurance 2020 Ford Escape Car Insurance 2019 Ford Escape Car Insurance 2018 Ford Escape Car Insurance 2017 Ford Escape Car Insurance 2016 Ford Escape Car Insurance 2015 Ford Escape Car Insurance 2014 Ford Escape Car Insurance 2013 Ford Escape Car Insurance 2012 Ford Escape Car Insurance 2011 Ford Escape Car Insurance 2010 Ford Escape Car Insurance 2009 Ford Escape Car Insurance

2021 Ford Escape Car Insurance

If you're looking for a brand new Ford Escape, you've got options. A 2021 Ford Escape starts at around $24,885 for the base model, with four different trim levels to pick from.

On average, it costs about $127 per month to buy full coverage insurance for a 2021 Ford Escape and $64 monthly for a liability only policy. And if you want the most affordable insurance possible, CSAA offers liability only policies for sometimes as cheap as $27 a month.

Even though it helps to know the average price drivers pay to insure a 2021 Escape, there's no way to know exactly how much you'll pay without getting a personalized quote. Luckily, Compare.com will gather quotes from lots of carriers for you, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Ford Escape Car Insurance

If you're looking to buy a 2020 Escape or already own one, you can expect an average auto insurance cost of around $81 for liability or $147 for full coverage.

And if you're just looking for the cheapest insurance for your Escape, Clearcover offers liability only policies for as cheap as $18 monthly.

If you want to find the best costs for auto insurance for a 2020 Ford Escape, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2019 Ford Escape Car Insurance

2019 Escape drivers can expect to pay an average of $71 per month for liability or $149 for full coverage.

With rates as low as just $23 a month, Hugo offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2019 Ford Escape, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Ford Escape Car Insurance

The average cost to insure a 2018 Ford Escape with liability only coverage is $85 monthly, while full coverage runs about $166 per month.

DirectGeneral has costs as little as $23 monthly for the 2018 Ford Escape.

Want to know exactly how much you'll pay? Enter your ZIP code below to get a variety of customized quotes for free.

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2017 Ford Escape Car Insurance

On average, drivers who own a 2017 Escape can expect to pay $85 to $150 per month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2017 Ford Escape insurance policy, StateAuto offered the most affordable policy we found, with rates sometimes as low as $20 a month.

If you want to know exactly how much you can expect to pay for your Escape, just enter your ZIP code below and get free quotes in minutes.

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2016 Ford Escape Car Insurance

It costs around $77 per month for liability or $139 for a full coverage policy for the 2016 Ford Escape.

MetLife offered the lowest policy we found, with rates as low as $18 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2015 Ford Escape Car Insurance

You can expect full coverage for a 2015 Escape to run about $138 monthly, while liability only coverage will average around $80 a month.

With premiums as little as just $17 monthly, Clearcover offered the cheapest policy we found for the 2015 Ford Escape.

What will your auto insurance rate be? Enter your ZIP code below to get multiple personalized quotes for free.

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2014 Ford Escape Car Insurance

On average, drivers who own a 2014 Ford Escape can expect to pay $76 to $140 per month for liability only and full coverage car insurance, respectively.

We found Liberty Mutual offered the lowest policy, with rates sometimes as low as $17 monthly.

If you want to know exactly how much you can expect to pay for your Escape, get free quotes in minutes by just entering your ZIP code below.

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2013 Ford Escape Car Insurance

You can expect full coverage for a 2013 Escape to run about $136 per month, while liability only coverage will average around $75 a month.

Looking for the cheapest policy? MetLife offered liability only coverage for as low as just $16 per month.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get several free personalized quotes.

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2012 Ford Escape Car Insurance

It costs about $72 a month for liability or $137 for a full coverage policy for the 2012 Ford Escape.

With prices as little as $18 monthly, Gainsco offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2011 Ford Escape Car Insurance

The average cost to insure a 2011 Escape with liability only coverage is $80 a month, while full coverage runs around $134 monthly.

With rates as cheap as just $18 per month, Liberty Mutual offered the lowest policy we found for the 2011 Ford Escape.

Interested in what your insurance premium will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole bunch of personalized quotes from the nation's top insurance companies.

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2010 Ford Escape Car Insurance

2010 Ford Escape drivers can expect to pay an average of $78 a month for liability or $128 for full coverage.

Looking for the most affordable policy? Clearcover offered liability only coverage for as cheap as $16 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2009 Ford Escape Car Insurance

It costs about $83 per month for liability or $126 for a full coverage policy for the 2009 Escape.

If you're looking for the cheapest possible 2009 Ford Escape insurance policy, MetLife offered the cheapest policy we found, with rates as little as just $19 monthly.

These are the overall average prices for a 2009 Ford Escape, but there are several different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Ford Escape Insurance FAQs

Is a Ford Escape expensive to insure?

Liability insurance runs an average of $78 per month, while full coverage will cost you around $138. The Ford Escape is less expensive to insure compared to the average SUV.

How can I get the best price on car insurance for my Ford Escape?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and comparing quotes from a variety of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Ford Escape affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually not the case. There are multiple things auto insurance carriers think about when they calculate how much you'll pay, but your Escape's color is not on that list.

Do I need to have insurance before I buy a Ford Escape?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships might offer you an insurance policy as part of the car-buying process, but the easiest thing to do is to let your insurance company know before you buy.

What car insurance discounts can I get for my Ford Escape?

There are a multitude of different discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your car and more on you, but if your Escape has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.