Ford Escape Insurance Cost

Full coverage for a Ford Escape costs about $1,625 a year ($136/month) by our estimate — ▲ +2% versus the average vehicle, ranking 153rd cheapest of 310 current models.

Ford Escape exterior (photo from Wikimedia Commons) — Photo: Mr.choppers, CC BY-SA 3.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Ford Escape insurance cost at a glance

Full coverage

$1,625

$136/mo · $1,335–$1,920

Minimum liability

$705

$59/mo

Segment

Small SUV

Gasoline, Hybrid, Plug-in hybrid, Flex-fuel

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Ford Escape.

Estimated Ford Escape premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$705	$59	$575–$830
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,020	$85	$835–$1,205
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,625	$136	$1,335–$1,920

What drives the cost of insuring a Ford Escape

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Ford Escape's results put our vehicle factor at 1.15× for liability, 0.95× for collision and 0.83× for comprehensive.

HLDI relative insurance losses — Ford Escape 4dr (Small SUVs)
Coverage	Index	Rating	What it measures
Collision	95	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	82	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	116	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	143	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	138	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	151	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (5)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Ford Escape 4dr	95	82	116	143
Ford Escape 4dr 4WD	87	82	104	113
Ford Escape hybrid 4dr 4WD	86	83	88	74
Ford Escape plug-in hybrid 4dr	88	72	92	—
Ford Escape hybrid 4dr	91	76	103	—

Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 17 NHTSA recall campaigns and 118 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Ford Escape trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Escape AWD	AWD	1.5L 3-cyl Turbo	28
Escape AWD	AWD	2.0L 4-cyl Turbo	26
Escape AWD HEV	4WD	2.5L 4-cyl Hybrid	39
Escape FWD	FWD	1.5L 3-cyl Turbo	30
Escape FWD PHEV	FWD	2.5L 4-cyl Plug-in Hybrid	40

Ford Escape insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	4WD, AWD, FWD	26–40	$1,625
2025	1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	4WD, AWD, FWD	26–40	$1,600
2024	1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	4WD, AWD, FWD	26–39	$1,570
2023	1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	4WD, AWD, FWD	26–40	$1,540
2022	1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	4WD, AWD, FWD	26–41	$1,515
2021	1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	4WD, AWD, FWD	26–41	$1,485
2020	1.5L 3-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	4WD, AWD, FWD	26–41	$1,455
2019	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl	AWD, FWD	23–26	$1,425
2018	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl	AWD, FWD	23–26	$1,400
2017	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl	AWD, FWD	23–26	$1,370
2016	1.6L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl	AWD, FWD	23–26	$1,340
2015	1.6L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl	AWD, FWD	23–26	$1,340
2014	1.6L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl	AWD, FWD	24–26	$1,340
2013	1.6L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.5L 4-cyl	AWD, FWD	24–26	$1,340
2012	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.0L 6-cyl	AWD, FWD	20–32	$1,340
2011	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.0L 6-cyl	4WD, AWD, FWD	20–32	$1,340
2010	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.0L 6-cyl	4WD, FWD	20–32	$1,340
2009	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.0L 6-cyl	4WD/AWD, FWD	20–32	$1,340
2008	2.3L 4-cyl, 2.3L 4-cyl Hybrid, 3.0L 6-cyl	4WD/AWD, FWD	19–32	$1,340
2007	2.3L 4-cyl, 2.3L 4-cyl Hybrid, 3.0L 6-cyl	4WD/AWD, FWD	19–30	$1,340

Ford Escape insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Escape page for that state.

State	Full coverage	Minimum	vs. national	Escape page
Alabama	$1,395	$550	−14%	Escape in AL
Alaska	$1,420	$715	−13%	Escape in AK
Arizona	$1,710	$755	+5%	Escape in AZ
Arkansas	$1,395	$515	−14%	Escape in AR
California	$1,580	$655	−3%	Escape in CA
Colorado	$1,820	$745	+12%	Escape in CO
Connecticut	$1,755	$815	+8%	Escape in CT
Delaware	$1,860	$920	+14%	Escape in DE
District of Columbia	$2,040	$850	+26%	Escape in DC
Florida	$2,400	$1,235	+48%	Escape in FL
Georgia	$2,055	$1,000	+26%	Escape in GA
Hawaii	$1,110	$500	−32%	Escape in HI
Idaho	$1,100	$460	−32%	Escape in ID
Illinois	$1,400	$570	−14%	Escape in IL
Indiana	$1,145	$465	−30%	Escape in IN
Iowa	$1,065	$355	−34%	Escape in IA
Kansas	$1,260	$460	−22%	Escape in KS
Kentucky	$1,370	$605	−16%	Escape in KY
Louisiana	$2,260	$905	+39%	Escape in LA
Maine	$1,020	$485	−37%	Escape in ME
Maryland	$1,840	$860	+13%	Escape in MD
Massachusetts	$1,600	$680	−2%	Escape in MA
Michigan	$1,760	$875	+8%	Escape in MI
Minnesota	$1,330	$540	−18%	Escape in MN
Mississippi	$1,530	$610	−6%	Escape in MS
Missouri	$1,455	$585	−10%	Escape in MO
Montana	$1,255	$450	−23%	Escape in MT
Nebraska	$1,265	$460	−22%	Escape in NE
Nevada	$1,930	$995	+19%	Escape in NV
New Hampshire	$1,145	$460	−30%	Escape in NH
New Jersey	$2,005	$1,070	+23%	Escape in NJ
New Mexico	$1,445	$595	−11%	Escape in NM
New York	$2,225	$1,065	+37%	Escape in NY
North Carolina	$1,185	$515	−27%	Escape in NC
North Dakota	$995	$315	−39%	Escape in ND
Ohio	$1,150	$465	−29%	Escape in OH
Oklahoma	$1,430	$540	−12%	Escape in OK
Oregon	$1,490	$715	−8%	Escape in OR
Pennsylvania	$1,395	$485	−14%	Escape in PA
Rhode Island	$1,995	$940	+23%	Escape in RI
South Carolina	$1,765	$840	+9%	Escape in SC
South Dakota	$1,175	$360	−28%	Escape in SD
Tennessee	$1,330	$515	−18%	Escape in TN
Texas	$1,900	$790	+17%	Escape in TX
Utah	$1,500	$750	−8%	Escape in UT
Vermont	$1,025	$365	−37%	Escape in VT
Virginia	$1,395	$720	−14%	Escape in VA
Washington	$1,440	$675	−11%	Escape in WA
West Virginia	$1,325	$500	−18%	Escape in WV
Wisconsin	$1,090	$425	−33%	Escape in WI
Wyoming	$1,205	$370	−26%	Escape in WY

Ford Escape insurance by driver profile

Estimated annual Ford Escape premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,935	$2,805	$4,475	$373
Young adult (22)	$1,125	$1,630	$2,605	$217
Adult in their 30s	$705	$1,020	$1,625	$135
Adult in their 50s	$645	$940	$1,495	$125
Senior (72)	$790	$1,140	$1,820	$152
30s, one at-fault accident	$1,020	$1,480	$2,360	$197
30s, DUI on record	$1,300	$1,885	$3,010	$251

Ford Escape vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Ford Escape	$1,625	95	82	—
Honda CR-V	$1,200	63	65	Compare
GMC Terrain	$1,480	85	81	Compare
Nissan Rogue	$1,430	82	74	Compare

Estimate Ford Escape insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Ford models

Expedition $1,370/yr
Explorer $1,400/yr
Bronco $1,260/yr
Bronco Sport $1,380/yr
F-150 $1,580/yr
Maverick $1,485/yr
Mustang $1,865/yr
Mustang Mach-E $1,435/yr
Ranger $1,275/yr
F-150 Lightning $1,600/yr
Edge $1,365/yr
Transit Connect $1,425/yr
EcoSport $1,340/yr
GT $1,695/yr
Transit $1,435/yr
Fusion $1,355/yr
Fiesta $1,305/yr
Flex $1,285/yr
Taurus $1,340/yr
C-Max $1,305/yr
Focus $1,280/yr
E-Series $1,220/yr
Crown Victoria $1,260/yr
Explorer Sport Trac $1,240/yr
Taurus X $1,190/yr
Five Hundred $1,260/yr
Freestar $1,135/yr
Freestyle $1,190/yr
Thunderbird $1,445/yr

All Ford insurance costs →

Frequently asked questions

How much is insurance for a Ford Escape?

We estimate about $1,625 a year ($136 a month) for full coverage and $705 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% more than the average vehicle.

Is the Ford Escape expensive to insure?

HLDI insurance-loss data rates it at 95 for collision and 82 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Ford Escape?

North Dakota has the lowest estimate (about $995 a year for full coverage) and Florida the highest (about $2,400).

What is the Ford Escape's NHTSA safety rating?

The 2026 Ford Escape earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Ford Escape cheaper to insure than the Honda CR-V?

By our estimate the Ford Escape costs about $1,625 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.

How much is Ford Escape insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,475 a year at national-average rates by our estimate.

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.

Sources used on this page