Ford Escape Car Insurance

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Ford Escape Car Insurance Cost

Last Updated on September 29, 2024 by a2z_admin

The cost of insurance for a Ford Escape is approximately $1,484 per year, which is $741 less than the national average for other popular SUV models. Our study looks at a scenario involving a 40-year-old responsible driver with good credit, full coverage, and an annual mileage of around 13,000 miles. The comparison is based on a single-car policy for a new vehicle, excluding any multi-car discounts.

It’s important to note that insurance premiums can vary based on factors such as age, location, insurance company, and mileage. Recent accidents, traffic violations, and credit history also play a role in determining these rates.

Additionally, different insurance providers may offer varying rates for the same coverage on a Ford Escape. If you’ve been with your current insurance company for a while, it’s advisable to obtain new quotes to ensure you’re not paying more than necessary.

Average Cost and Cheapest Companies for Insuring a Ford Escape

When it comes to getting car insurance for a Ford Escape, it’s good to know some numbers. On average, the yearly cost for full coverage insurance is about $1,287. But here’s the deal – the company you pick can change that number. Now, if you’re looking for the cheapest option, State Farm is the winner. They charge around $1,028 per year for full coverage, which is less than others. On the flip side, Farmers is on the pricier side, with an average annual cost of $1,437. But what if you’re just going for the basic coverage? State Farm still comes out as the cheapest, with a yearly cost of about $475. On the other hand, Farmers is the most expensive in this category, charging around $706 per year. Here’s a quick look at the numbers:


Company	Average Annual Premium
State Farm	$1,028
GEICO	$1,065
Nationwide	$1,257
Travelers	$1,275
Allstate	$1,374
Progressive	$1,421
Farmers	$1,437

So, if you’re thinking about car insurance for your Ford Escape, these are the numbers to keep in mind.

Is It Costly to Insure a Ford Escape?

When it comes to figuring out how much it costs to insure a Ford Escape, a few things come into play. First off, the Ford Escape has a reasonable price tag, sitting at $29,755 in 2022. This is good news because it means that if something happens to this SUV, replacing it won’t break the bank. Insurance companies take this into account when setting the price for your insurance policy. Additionally, the Ford Escape has a low rate of theft, which is another positive factor that helps keep insurance costs down.

Cost of Insuring a Ford Escape for 16- to 25-Year-Olds

Generally, insurance companies tend to charge higher rates for drivers who are in their teens and early 20s compared to those who are 30 years old or older.

To give you an idea, let’s look at the average annual cost of full coverage car insurance for a Ford Escape based on different age groups. For a 16-year-old driver, the average cost is around $5,737 per year. However, as the driver gets older, the cost tends to decrease. For example, a 40-year-old driver might only pay about $1,252 per year for the same coverage.

Here’s a breakdown of the average annual premium for each age group:


Driver Age	Average Annual Premium
16	$5,737
17	$4,665
18	$4,087
19	$2,834
20	$2,564
21	$1,973
22	$1,824
23	$1,695
24	$1,609
25	$1,453

For those with teens, the most affordable way to insure them is by adding them to a parent’s policy. Keep in mind that teens under 18 usually need a parent or guardian to co-sign the policy for them to legally get car insurance.

If you’re specifically looking for the best deal on insurance for a 16-year-old with a 2022 Ford Escape, MoneyGeek found that State Farm offers the most affordable full coverage at around $3,782 annually. On the other hand, Farmers charges the highest rate, averaging $8,348 per year.

When it comes to finding the best car insurance for a teen driver, it’s a good idea to shop around and compare quotes from different insurance companies.

How Your Location Affects Ford Escape Insurance Costs

When it comes to determining the cost of your Ford Escape insurance, various factors like your car’s model year, trim, and your age play a role. However, one key factor that can significantly impact your insurance premium is your location. Our analysis reveals that the cost of car insurance tends to be more affordable in places like Idaho, while it tends to be higher in locations like New York. To make an informed decision that aligns with your budget and needs, we recommend obtaining quotes from insurance companies that are considered the cheapest on average in your state before purchasing a policy. Here’s a breakdown of the cheapest insurance companies and their annual and monthly premiums in different states:

State	Cheapest Company	Annual Premium	Monthly Premium
Alabama	Nationwide	$709	$59
Alaska	State Farm	$699	$58
Arizona	Root Insurance Company	$682	$57
Arkansas	State Farm	$629	$52
California	AAA California	$1,001	$83
Colorado	American National P&C	$541	$45
Connecticut	GEICO	$693	$58
Delaware	State Farm	$881	$73
District of Columbia	GEICO	$662	$55
Florida	State Farm	$1,058	$88
Georgia	Country Financial	$665	$55
Hawaii	GEICO	$565	$47
Idaho	American National P&C	$299	$25
Illinois	Country Financial	$663	$55
Indiana	American Family	$555	$46
Iowa	State Farm	$509	$42
Kansas	Nationwide	$670	$56
Kentucky	Nationwide	$790	$66
Louisiana	Louisiana Farm Bureau	$1,048	$87
Maine	Concord Group	$521	$43
Maryland	Progressive	$938	$78
Massachusetts	State Farm	$483	$40
Michigan	GEICO	$898	$75
Minnesota	State Farm	$797	$66
Mississippi	Direct General Insurance	$723	$60
Missouri	Nationwide	$909	$76
Montana	Progressive	$437	$36
Nebraska	American National P&C	$405	$34
Nevada	CSAA	$940	$78
New Hampshire	State Farm	$540	$45
New Jersey	Plymouth Rock Assurance	$895	$75
New Mexico	State Farm	$644	$54
New York	Kemper	$781	$65
North Carolina	Erie	$630	$52
North Dakota	American Family	$616	$51
Ohio	Nationwide	$485	$40
Oklahoma	State Farm	$662	$55
Oregon	State Farm	$706	$59
Pennsylvania	Nationwide	$580	$48
Rhode Island	State Farm	$700	$58
South Carolina	American National P&C	$463	$39
South Dakota	Allstate	$746	$62
Tennessee	State Farm	$579	$48
Texas	State Farm	$699	$58
Utah	Nationwide	$725	$60
Vermont	State Farm	$493	$41
Virginia	American Family	$601	$50
Washington	PEMCO	$534	$44
West Virginia	Erie	$784	$65
Wisconsin	GEICO	$556	$46
Wyoming	State Farm	$745	$62

Ford Escape Car Insurance Discounts

No matter what car you drive, how old you are, or where you live, it’s a wise choice to make the most of car insurance discounts when you’re on the lookout for a new policy.

Different insurance companies may offer various discounts, but there are some common ones you’ll likely come across:

Pay-in-Full Discount: Pay your entire policy price at once, instead of in monthly payments.
Multi-Policy Discount: Get both your home and auto policies from the same insurance provider.
Multi-Car Discount: Save by adding more than one vehicle to your auto policy.
Defensive Driving Discount: Take a defensive driving class from an accredited school or institution.

While these discounts are great for cutting down on your car insurance costs, sometimes, it’s your positive insurance history and driving record that really score you the best rates.

Even though you can’t control every detail of your auto insurance profile, like some of the things we talked about earlier, you do have some control over it. Making smart choices can help you get the best rates and save money in the long run.

Frequently Asked Questions (FAQs)

Which company provides the most affordable car insurance for a Ford Escape?

If you’re looking for budget-friendly car insurance for your Ford Escape, you’ll be glad to know that, on average, it costs around $1,287 per year for full coverage. State Farm stands out as the most economical choice, offering the cheapest car insurance for this SUV. With an annual average premium of $1,028 for full coverage, State Farm takes the lead in affordability.

Which company provides the best car insurance for a Ford Escape?

When it comes to the best overall car insurance for a Ford Escape, State Farm takes the crown with an impressive MoneyGeek score of 90 out of 100. Not only does State Farm offer the most affordable car insurance for a Ford Escape, but it also ranks second for customer satisfaction.

About the Author

Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.