You need the best possible combination of car insurance coverage and price for your Ford Escape. Getting multiple quotes from insurance companies can be time-consuming and complicated. Instead, get in touch with an independent insurance agent in your area. Your agent can help you get multiple quotes and you'll have a single point of contact.
Not sure where to find an independent insurance agent in your area?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Ford Escape.
What Kind of Insurance Do You Need for Your Ford Escape?
Bodily injury liability: If someone else is hurt in an accident you caused, bodily injury liability insurance pays for the costs associated with their recovery in medical care. You may be required to purchase a certain minimum amount of bodily injury liability insurance depending on where you live. Your agent to help you understand the rules in your state.
Property damage liability: If you cause an accident that damages someone else's property, property damage liability pays to repair or replace their possessions. It's important to understand that you will have to pay for any damage you caused that exceed the limits of your policy. Talk with your agent about whether to purchase more than the minimum required amount of property damage liability insurance.
Medical payments/Personal injury protection: After an accident, you and your passengers may need immediate medical attention to help you recover. With medical payments and personal injury protection insurance, you can get the medical care you need right away without having to wait for an insurance company to decide who was at fault.
Uninsured motorist coverage: Liability coverage is mandatory in many areas of the country but it still possible to be in an accident with someone who doesn't have the right types or amounts of insurance. Uninsured and underinsured motorist coverage helps to make sure you have the insurance you need regardless of whether the other driver is adequately covered.
Collision: Collision insurance pays to repair or replace your Ford Escape up to its value minus your deductible in a covered accident if you hit something like a building, fence, or another vehicle. Depending on the age of your SUV, it may or may not make sense to add collision coverage to your liability policies.
Comprehensive: Comprehensive insurance coverage pays for damage in a covered accident if you hit an animal on the road, or you are the victim of vandalism. The insurance company pays to repair or replace your Escape minus your deductible.
Glass coverage: Replacing a windshield in your Ford Escape is expensive but it may not cost enough to justify making an insurance claim. With a zero-deductible glass coverage policy, you could get a new windshield without having to pay out of pocket.
Gap insurance: If you declined gap insurance at the dealership, you may want to consider it now. If you are upside down on your loan or you owe more on your Ford Escape than it's worth, you may not receive enough money to pay off a loan or lease if you are in an accident that results in a total loss of your vehicle. Gap insurance helps you reduce your outstanding balance to zero, even if your SUV as lower value.
What Affects the Cost of Insurance for Your Ford Escape?
Annual mileage: Driving your Ford Escape more than 10,000 to 15,000 miles per year could mean you'll pay somewhat higher insurance rates.
Your driving record: Escape drivers who don't have any moving violations or at-fault accidents can get up to a 40% discount on their auto insurance rates.
The value of your vehicle: In general, expensive vehicles cost more to repair and replace. If you own a new Ford Escape, expect to pay slightly higher rates.
|Average Annual Ford Escape Insurance Rates by Model Year|
|2020 Ford Escape:||$1,170|
|2015 Ford Escape:||$1,116|
|2010 Ford Escape:||$964|
|2005 Ford Escape:||$844|
Average Ford Escape Insurance Costs
On average full coverage auto insurance for a 40-year-old Ford Escape driver costs $1,170 annually including collision and comprehensive coverage. Liability-only insurance rates are just $316 per year on average. A 16-year-old driver should expect to pay much higher premiums.
The Safety of Your Ford Escape
The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Ford Escape and overall 5-star safety rating. New Ford Escapes come standard with important safety technology such as forward collision warning, lane departure warning, crash imminent braking, and dynamic brake support. All of these features contribute to the Ford Escape's safety on the road.
How Location Affects Your Ford Escape Insurance
While average car insurance premiums provide useful information, it's best to get a quote personalized for you that's specific to the area where you live.
Here's how average Ford Escape full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible can vary from one place to the next:
|Rural Areas:||Small Cities:||Large Cities:|
Additional Factors that Affect Your Ford Escape Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Ford Escape
|Average annual cost to insure a Ford Escape with full coverage:||$1,170|
|Top three most expensive states for Ford Escape insurance:|
|Michigan, New York, Florida||$1,580|
|Top three most affordable states for Ford Escape insurance:|
|New Hampshire, Ohio, and Utah||$840|
Top Independent Insurance Carriers That Insure the Ford Escape
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Ford Escape Quote
With help from an independent insurance agent you'll get multiple quotes for auto insurance from reputable insurance companies. Use the TrustedChoice.com find-an-agent tool to locate an agent in your area. Get started today and get in touch with your agent right away.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver