Ford Escape vs Nissan Rogue Insurance Cost
The Nissan Rogue is cheaper to insure by about $195 a year for full coverage by our estimate ($1,625 vs. $1,430), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Ford Escape | Nissan Rogue | Difference |
|---|---|---|---|
| State minimum | $705 | $610 | +$95 |
| Standard (100/300/100) | $1,020 | $885 | +$135 |
| Full coverage | $1,625 | $1,430 | +$195 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Escape minus Rogue.
Why one costs more to insure
| Factor | Ford Escape | Nissan Rogue |
|---|---|---|
| Segment | Small SUV | Small SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Flex-fuel | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 95 | 82 |
| HLDI comprehensive | 82 | 74 |
| HLDI property damage liability | 116 | 90 |
| HLDI bodily injury liability | 143 | 119 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 17 | 6 |
Collision losses are the biggest swing factor: the Ford Escape has 13 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Escape vs Rogue insurance by state
By driver profile (full coverage)
| Driver | Escape | Rogue |
|---|---|---|
| Teen driver (18, own policy) | $4,475 | $3,930 |
| Young adult (22) | $2,605 | $2,285 |
| Adult in their 30s | $1,625 | $1,430 |
| Adult in their 50s | $1,495 | $1,315 |
| Senior (72) | $1,820 | $1,600 |
| 30s, one at-fault accident | $2,360 | $2,070 |
| 30s, DUI on record | $3,010 | $2,645 |
More comparisons
Frequently asked questions
Is the Ford Escape or the Nissan Rogue cheaper to insure?
By our estimate the Nissan Rogue is cheaper, by about $195 a year for full coverage ($1,625 vs. $1,430) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Ford Escape and Nissan Rogue?
Mostly because of insurance-loss history: HLDI collision indices of 95 vs. 82 and comprehensive indices of 82 vs. 74 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.