The Ford EcoSport is a subcompact crossover SUV that first debuted in the U.S. with the 2018 model year. The vehicle had a short lifespan in America, as it was discontinued after the 2022 model year. If you still drive a Ford EcoSport, it needs to be protected with the right car insurance.
When it's time to find the best Ford EcoSport insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a closer look at how much it costs to insure a Ford EcoSport by model year and top-rated insurance company in 2026.
Key Takeaways - Ford EcoSport Car Insurance
Ford EcoSport insurance costs an average of $2,057 per year, or approximately $171 per month, for full coverage in 2026.
Ford EcoSport insurance costs vary considerably by state, with good drivers in Michigan paying an average of $4,167 annually for full coverage, while those in Hawaii pay only $999.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford EcoSport insurance.
Progressive, USAA, and Auto-Owners are the cheapest carriers for Ford EcoSport insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford EcoSport model.
What Is Ford EcoSport Insurance?
Ford EcoSport insurance is a car insurance policy that includes customized coverage options for your specific vehicle. As a subcompact crossover SUV, the EcoSport may require additional coverage beyond that needed by standard sedans. However, the EcoSport's average car insurance rates trend cheaper than those for other vehicles.
Recommended coverage options for Ford EcoSport drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Ford EcoSport:
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Your state likely requires certain types of auto insurance. A local independent insurance agent can help you get equipped with all the car insurance you need for a Ford EcoSport to comply with your state's laws.
How Much Does Ford EcoSport Insurance Cost?
The average cost of car insurance for a Ford EcoSport is $2,057 per year, or approximately $171 per month, for full coverage. However, several factors can influence the cost of Ford insurance, including:
- The specific type of EcoSport you drive
- Your credit score (where allowed)
- Your driving history
- Vehicle safety features
- Your location
- Annual mileage
- The types and amount of coverage you need
- Your claims history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford EcoSport full coverage insurance or a basic Ford EcoSport liability insurance policy.
Is the Ford EcoSport Expensive to Insure?
Yes and no. While the Ford EcoSport is, on average, more expensive to insure than other Ford vehicles, it's actually cheaper to insure than other vehicles in general.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford EcoSport | $171 |
| All Fords | $161 |
| All Cars | $175 |
Ford EcoSport Insurance Costs by Model Year
Next, we'll break down all model years of the Ford EcoSport and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2022 Ford Ecosport | $701 |
| 2021 Ford Ecosport | $634 |
| 2020 Ford Ecosport | $593 |
| 2019 Ford Ecosport | $571 |
| 2018 Ford Ecosport | $469 |
Cheapest Ford EcoSport Car Insurance Companies for 2026
Many different carriers offer affordable Ford EcoSport auto insurance. These top-rated Ford car insurance companies provide the cheapest EcoSport insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,573 |
| USAA | $1,704 |
| Auto-Owners | $1,918 |
| Travelers | $2,255 |
| Allstate | $2,312 |
| Nationwide | $2,591 |
Ford EcoSport Car Insurance Rates by State and Driver Profile
Your location, driving history, and credit can all be huge factors in car insurance premium calculations. Here are some average auto insurance rates for the Ford EcoSport by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,175 | $3,181 | $4,045 |
| Alaska | $1,820 | $2,501 | $2,431 |
| Arizona | $2,058 | $2,981 | $4,356 |
| Arkansas | $2,229 | $3,494 | $3,882 |
| California | $2,517 | $4,413 | $2,535 |
| Colorado | $2,320 | $3,205 | $4,166 |
| Connecticut | $2,950 | $4,637 | $5,814 |
| Delaware | $2,445 | $3,257 | $4,161 |
| Florida | $2,970 | $4,041 | $5,319 |
| Georgia | $2,396 | $3,533 | $3,588 |
| Hawaii | $999 | $1,277 | $992 |
| Idaho | $1,699 | $2,198 | $2,655 |
| Illinois | $1,757 | $2,664 | $2,938 |
| Indiana | $1,774 | $2,691 | $3,034 |
| Iowa | $1,420 | $1,903 | $2,242 |
| Kansas | $1,911 | $2,697 | $3,200 |
| Kentucky | $2,752 | $3,998 | $4,686 |
| Louisiana | $3,443 | $5,279 | $5,712 |
| Maine | $1,325 | $1,854 | $2,660 |
| Maryland | $2,086 | $3,134 | $3,464 |
| Massachusetts | $1,726 | $2,943 | $1,754 |
| Michigan | $4,167 | $6,232 | $9,919 |
| Minnesota | $1,696 | $2,307 | $3,155 |
| Mississippi | $2,090 | $2,888 | $2,947 |
| Missouri | $1,879 | $2,742 | $3,616 |
| Montana | $1,982 | $2,702 | $3,214 |
| Nebraska | $1,631 | $2,469 | $2,637 |
| Nevada | $2,720 | $4,072 | $4,258 |
| New Hampshire | $1,919 | $2,968 | $3,775 |
| New Jersey | $2,098 | $3,334 | $4,281 |
| New Mexico | $2,106 | $3,150 | $3,289 |
| New York | $2,008 | $2,543 | $4,161 |
| North Carolina | $1,239 | $2,081 | $1,539 |
| North Dakota | $1,728 | $2,541 | $3,036 |
| Ohio | $1,514 | $2,333 | $2,325 |
| Oklahoma | $2,374 | $3,440 | $3,820 |
| Oregon | $2,202 | $2,896 | $3,449 |
| Pennsylvania | $1,850 | $2,692 | $3,136 |
| Rhode Island | $3,016 | $4,507 | $5,064 |
| South Carolina | $2,105 | $2,879 | $4,022 |
| South Dakota | $1,851 | $2,717 | $3,152 |
| Tennessee | $2,196 | $3,206 | $4,319 |
| Texas | $2,260 | $3,221 | $3,978 |
| Utah | $1,849 | $2,653 | $3,654 |
| Vermont | $1,462 | $2,253 | $2,325 |
| Virginia | $1,412 | $2,080 | $2,089 |
| Washington | $1,807 | $2,421 | $2,885 |
| West Virginia | $1,832 | $2,624 | $3,229 |
| Wisconsin | $1,775 | $2,865 | $3,222 |
| Wyoming | $1,726 | $2,409 | $2,552 |
Average Ford EcoSport Insurance Rates by Driver Age and Profile
On average, teens and young drivers pay the most, by far, for Ford EcoSport insurance. Auto insurance rates tend to decline considerably starting around age 25. However, once a driver reaches about age 65, car insurance costs gradually climb through their senior years. Here are some average insurance rates for the Ford EcoSport by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,507 | $9,521 | $11,180 |
| 20 | $5,009 | $7,324 | $8,644 |
| 25 | $2,947 | $4,301 | $5,002 |
| 30 | $2,317 | $3,308 | $3,952 |
| 35 | $2,098 | $3,160 | $3,692 |
| 40 | $2,046 | $2,983 | $3,567 |
| 45 | $2,000 | $2,901 | $3,439 |
| 55 | $1,875 | $2,694 | $3,124 |
| 65 | $1,921 | $2,827 | $3,326 |
| 75 | $2,430 | $3,520 | $4,147 |
Best Ford EcoSport Insurance Discounts: How to Lower Your Ford EcoSport Insurance Premiums
Saving money on Ford EcoSport insurance can be easy when you try any of the following steps:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Ford EcoSport insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Ford EcoSport insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford EcoSport insurance from a trusted carrier near you.
A local independent insurance agent can be your greatest ally in helping you save the most money possible on Ford EcoSport insurance. They can recommend additional tips to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Ford EcoSport Insurance Quotes
When it's time to find the most affordable Ford EcoSport insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford EcoSport insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford EcoSport Insurance
How much does Ford EcoSport insurance cost per year?
The average annual cost of full coverage for a Ford EcoSport is $2,057 per year, or approximately $171 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford EcoSport insurance premiums?
Having past car insurance claims, living in a high-theft rate area, having poor credit, or having traffic violations and accidents on your record can all increase the cost of your Ford EcoSport insurance.
Is the Ford EcoSport expensive to insure?
Yes and no. While the Ford EcoSport is more expensive, on average, to insure than other Ford vehicles, it's actually cheaper to insure than other cars in general.
What are the best and cheapest carriers for Ford EcoSport insurance in 2026?
We found that Progressive, USAA, and Auto-Owners are the best and cheapest car insurance companies for Ford EcoSport insurance this year.
Is insurance cheaper for the Ford EcoSport than for other Ford vehicles?
No, the Ford EcoSport's average insurance rates are actually more expensive than those for other Fords. While other Ford vehicles average $161 per month for car insurance, the EcoSport averages $171.
How can I get cheaper Ford EcoSport insurance?
Finding cheaper Ford EcoSport insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/ford-ecosport-car-insurance
https://rateretriever.com/car-insurance/car-insurance-by-vehicle/ford-ecosport/