The Ford Escape is a compact crossover SUV that first debuted in the U.S. with the 2001 model year. However, Ford is officially discontinuing the Escape after the 2026 model year. If you own a Ford Escape, it needs to be protected with the right car insurance.
When it's time to find the best Ford Escape 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 breakdown of how much it costs to insure a Ford Escape by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Escape Car Insurance
Ford Escape insurance costs an average of $1,764 per year, or approximately $147 per month, for full coverage in 2026.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Escape insurance.
Ford Escape insurance costs vary widely by state, with drivers in Wyoming paying an average of only $27 monthly for minimum coverage, while those in Louisiana pay $151.
USAA, Progressive, and American Family are the cheapest carriers for model-year 2025 Ford Escape 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 Escape model.
What Is Ford Escape Insurance?
Ford Escape insurance is a car insurance policy that includes customized coverage options for your specific vehicle. As a compact crossover SUV, the Escape may require additional coverage beyond that needed by standard sedans. However, the Escape's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Ford Escape drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- 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.
- 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.
- 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.
Add-on coverage options worth considering for a Ford Escape:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- 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.
It's critical to get equipped with at least your state's minimum required auto insurance. A local independent insurance agent can help you find all the Ford Escape hybrid car insurance you need, or the coverage necessary for your specific model.
How Much Does Ford Escape Insurance Cost?
The average cost of car insurance for a Ford Escape is $1,764 per year, or approximately $147 per month, for full coverage. Minimum coverage for a Ford Escape costs an average of $912 annually, or approximately $76 monthly.
However, several factors can influence the cost of Ford insurance, including:
- The specific type of Escape you drive
- The types and amount of coverage you need
- Your claims history
- Vehicle safety features
- Your location
- Your credit score (where allowed)
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Escape full coverage insurance or a basic Ford Escape liability insurance policy.
Is the Ford Escape Expensive to Insure?
No, the Ford Escape isn't expensive to insure on average when compared to other Ford vehicles and cars in general. The Ford Escape's average monthly full coverage rate of $147 is considerably cheaper than the average for all Fords and all other vehicles.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford Escape | $147 |
| All Fords | $163 |
| All Cars | $175 |
Average Ford Escape Insurance Rates Compared to Similar Vehicles
The Ford Escape's average monthly insurance rates are quite comparable with those of many similar vehicles, including the Mercury Mariner, the Honda Element, and the Mitsubishi Moreno. The table below compares the Escape's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Toyota Matrix | $110 |
| Mercury Mariner | $110 |
| VinFast VF-7 | $111 |
| Ford Escape | $111 |
| Mercury Mountaineer | $111 |
| Honda Element | $111 |
| Mitsubishi Montero | $111 |
| Jeep Cherokee | $112 |
Ford Escape Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Escape and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Ford Escape* | $1,698 |
| 2025 Ford Escape | $1,241 |
| 2024 Ford Escape | $1,238 |
| 2023 Ford Escape | $948 |
| 2022 Ford Escape | $676 |
| 2021 Ford Escape | $554 |
| 2020 Ford Escape | $595 |
| 2019 Ford Escape | $435 |
| 2018 Ford Escape | $674 |
| 2017 Ford Escape | $323 |
| 2016 Ford Escape | $447 |
| 2015 Ford Escape | $345 |
| 2014 Ford Escape | $494 |
| 2013 Ford Escape | $326 |
| 2012 Ford Escape | $429 |
| 2011 Ford Escape | $454 |
| 2010 Ford Escape | $336 |
*Note: The 2026 Escape's average monthly rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Ford Escape Car Insurance Companies for 2026
Many different carriers offer affordable Ford Escape auto insurance. These top-rated Ford car insurance companies provide the cheapest model-year 2025 Escape insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,566 |
| Progressive | $1,606 |
| American Family | $1,641 |
| Nationwide | $1,785 |
| Erie | $1,822 |
| Allstate | $3,365 |
Ford Escape Car Insurance Rates by State
Location plays a major role in car insurance premium calculations. Here are some average auto insurance rates for the Ford Escape by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $62 | $118 |
| Alaska | $54 | $114 |
| Arizona | $89 | $165 |
| Arkansas | $61 | $137 |
| California | $73 | $149 |
| Colorado | $72 | $172 |
| Connecticut | $105 | $181 |
| Delaware | $108 | $182 |
| Florida | $99 | $228 |
| Georgia | $118 | $192 |
| Hawaii | $39 | $89 |
| Idaho | $40 | $83 |
| Illinois | $69 | $128 |
| Indiana | $48 | $95 |
| Iowa | $41 | $99 |
| Kansas | $53 | $124 |
| Kentucky | $94 | $159 |
| Louisiana | $151 | $325 |
| Maine | $38 | $80 |
| Maryland | $120 | $203 |
| Massachusetts | $77 | $164 |
| Michigan | $114 | $219 |
| Minnesota | $62 | $128 |
| Mississippi | $65 | $128 |
| Missouri | $86 | $172 |
| Montana | $52 | $124 |
| Nebraska | $54 | $124 |
| Nevada | $133 | $241 |
| New Hampshire | $52 | $92 |
| New Jersey | $126 | $207 |
| New Mexico | $62 | $138 |
| New York | $94 | $170 |
| North Carolina | $62 | $122 |
| North Dakota | $43 | $93 |
| Ohio | $57 | $110 |
| Oklahoma | $69 | $153 |
| Oregon | $92 | $160 |
| Pennsylvania | $64 | $152 |
| Rhode Island | $93 | $167 |
| South Carolina | $76 | $143 |
| South Dakota | $39 | $118 |
| Tennessee | $58 | $117 |
| Texas | $97 | $197 |
| Utah | $81 | $138 |
| Vermont | $33 | $80 |
| Virginia | $71 | $116 |
| Washington | $68 | $126 |
| West Virginia | $64 | $131 |
| Wisconsin | $48 | $106 |
| Wyoming | $27 | $83 |
Average Ford Escape Insurance Rates by Trim Level
Your Escape's specific trim can also impact its auto insurance costs. Here are some average Ford Escape insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| SE Sport SUV 4D | $46 | $89 |
| SE Hybrid Sport Utility 4D | $56 | $109 |
| Titanium Hybrid Sport Utility 4D | $58 | $114 |
| Active Sport Utility 4D | $61 | $119 |
| Sport Utility 4D | $62 | $121 |
| ST-Line Select Hybrid Sport Utility 4D | $70 | $136 |
| Platinum Hybrid Sport Utility 4D | $70 | $137 |
| XLS Sport Utility 4D | $71 | $137 |
| Titanium Sport Utility 4D | $71 | $138 |
| Platinum Sport Utility 4D | $77 | $150 |
| XLT Sport Utility 4D | $77 | $148 |
| XLT Sport SUV 4D | $78 | $150 |
| Hybrid Sport Utility 4D | $81 | $155 |
| Limited Sport Utility 4D | $81 | $155 |
| Active | $85 | $165 |
| Limited Hybrid Sport Utility 4D | $87 | $169 |
| ST-Line | $87 | $170 |
| ST-Line Hybrid | $97 | $189 |
| Platinum Hybrid | $105 | $205 |
| Platinum | $107 | $208 |
| ST-Line Elite | $109 | $211 |
| Escape Plug-in Hybrid | $113 | $221 |
| ST-Line Elite Hybrid | $114 | $221 |
Average Ford Escape Insurance Rates by Driver Age and Profile
Age, driving history, and credit are also major factors that can influence car insurance premiums. On average, teens and young drivers pay the most, by far, for Ford Escape 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 Escape by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,211 | $9,105 | $10,733 |
| 20 | $4,750 | $7,017 | $8,261 |
| 25 | $2,837 | $4,105 | $4,865 |
| 30 | $2,167 | $3,215 | $3,752 |
| 35 | $2,090 | $2,987 | $3,478 |
| 40 | $1,983 | $2,859 | $3,367 |
| 45 | $1,937 | $2,838 | $3,294 |
| 55 | $1,721 | $2,545 | $2,981 |
| 65 | $1,839 | $2,693 | $3,119 |
| 75 | $2,278 | $3,417 | $3,973 |
Best Ford Escape Insurance Discounts: How to Lower Your Ford Escape Insurance Premiums
While Ford Escape insurance already tends to be affordable, it never hurts to save even more money when you can. Follow any of these simple steps to potentially reduce your Escape premium rates even further:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- 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 Escape 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 Escape insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Escape insurance from a trusted carrier near you.
Local independent insurance agents know even more tips that can help you save the most money possible on Ford Escape insurance.
An Independent Insurance Agent Can Help You Get the Best Ford Escape Insurance Quotes
When it's time to find the most affordable Ford Escape 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 Escape 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 Escape Insurance
How much does Ford Escape insurance cost per year?
The average annual cost of full coverage for a Ford Escape is $1,764 per year, or approximately $147 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 Escape insurance premiums?
If you have poor credit, live in a high-theft rate area, or have accidents and other violations on your record, these can all increase the cost of Ford Escape insurance.
Is the Ford Escape expensive to insure?
No, the Ford Escape isn't expensive to insure on average. The Ford Escape's average monthly insurance costs are lower than those for other Fords and other vehicles in general.
What are the best and cheapest carriers for Ford Escape insurance in 2026?
We found that USAA, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Ford Escape insurance this year.
Is insurance cheaper for the Ford Escape than for other Ford vehicles?
Yes, the Ford Escape's average monthly insurance rate of $147 is cheaper than that for other Ford vehicles, which average $163.
How can I get cheaper Ford Escape insurance?
Finding cheaper Ford Escape 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-escape-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/ford/escape/
https://www.moneygeek.com/insurance/auto/ford-escape-insurance/