Is a Ford Escape expensive to insure?

The Ford Escape falls around the middle of the pack when it comes to insurance costs. It's typically less expensive to insure than some compact SUVs with higher repair bills or theft risk, but factors like trim level, your driving history and where you live can push rates up or down. In general, it’s considered affordable to insure for its class — especially if you qualify for safe driving or bundling discounts.

How can I save money on Escape insurance?

To keep your premiums low, start by comparing quotes from multiple insurers — rates can vary more than you think. Look for discounts you may already qualify for, like bundling your home and auto insurance or enrolling in a telematics program. Driving a hybrid Escape could also help reduce rates, as some insurers offer discounts for eco-friendly vehicles.

Is the Ford Escape reliable?

Yes, the Escape earns strong marks for reliability. According to J.D. Power, it holds an overall consumer rating of 82 out of 100. It scores especially well in quality and reliability (85/100) and resale value (85/100), which speaks to its solid long-term value. While driving experience and dealership satisfaction were rated as average, the Escape is still viewed as a dependable option in the compact SUV category.

Car Insurance for Ford Escape

How much does it cost to insure an Escape?

The average annual cost of full coverage car insurance for a Ford Escape is $2,424, coming in around 9 percent less compared to the national average across all vehicles. However, your premium could look quite different depending on personal factors like where you live, your driving history and the coverage limits you choose.

From an insurance standpoint, the Escape tends to land in an affordable range. Its strong safety ratings, standard driver-assistance tech and relatively affordable repair costs help keep premiums manageable. Just keep in mind that choosing a hybrid or higher-performance trim could nudge your rate higher.

$2,424 Avg annual full coverage
insurance premium

$795 Avg annual min coverage
insurance premium

Manufacturer's retail price (MSRP): Starting at $29,150

Trims available: Plug-in Hybrid, Active, ST-Line, ST-Line Select, ST-Line Elite, Platinum

Repair costs

Ford parts are widely available and generally affordable, which helps keep repair costs in check. This can work in your favor when it comes to insurance, especially if you're driving one of the more common trims.

Safety features

Every Escape includes Ford Co-Pilot360, which bundles in safety features like automatic emergency braking, blind-spot monitoring and lane-keeping assist — all of which may contribute to lower premiums.

Crash ratings

The 2025 Escape earned top marks from the NHTSA with a 5-star overall rating, and received "Good" scores in most IIHS crash tests, helping it hold its own in the safety category. These are positive signals for insurers, and could result in lower rates.

Cheapest car insurance companies for an Escape

One of the best ways to lock in a competitive rate for your Escape is to shop around. Since insurers each calculate risk a little differently, a company that’s pricey for one driver could be surprisingly affordable for another. To help you kick off your search, we’ve compiled average rates from several major carriers. These companies offer below-average premiums for the Escape while still delivering solid customer service, strong financial ratings and a variety of coverage options and discounts.

How much does it cost to insure my Escape?

Below are the average annual full coverage premiums for the 2023 Ford Escape from five top insurance providers.

2023 Escape car insurance premium by carrier


USAA	USAA	$1,928	$1,928	- $496	- $496
AAA	AAA	$1,700	$1,700	- $724	- $724
Nationwide	Nationwide	$1,712	$1,712	- $712	- $712
Auto-Owners	Auto-Owners	$1,787	$1,787	- $637	- $637
Grange Insurance	Grange Insurance	$1,769	$1,769	- $655	- $655

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for an Escape

While it’s tempting to stick with the lowest-priced car insurance option, minimum state-required coverage often isn’t enough to fully protect a vehicle like the Ford Escape. This compact SUV’s value, tech features and varied powertrain options make it a strong candidate for a more robust policy. If you rely on your Escape for family travel, commuting or weekend adventures, it may be worth considering add-ons that offer better financial security after an accident or major loss.

Here are a few optional coverage types that can help protect your Escape — and your budget — from unexpected surprises:

Comprehensive coverage: Pays for damage from events like theft, vandalism, fire, hail or hitting an animal — which could be helpful if your Escape is parked outdoors often.
Collision coverage: Covers repairs after an accident, even if you’re at fault. This coverage can help avoid large out-of-pocket bills.
Gap insurance: If you financed your new Escape or have a lease, gap insurance can cover the difference between what you owe and the vehicle’s value if it’s totaled.
Rental reimbursement: Helps pay for a rental car while your Escape is in the shop after a covered claim, keeping you mobile while repairs are underway.
Roadside assistance: Can be a low-cost add-on for peace of mind, especially if you often drive long distances or through remote areas.

How to get an Escape car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Escape with other similar cars

The compact SUV class is packed with strong contenders, and the Ford Escape holds its own with flexible powertrain options, generous cabin space and an approachable price point. But how does it stack up against top models from other makes like the Toyota RAV4 and Honda CR-V? These two are among the most popular in the segment and offer a good benchmark for comparing pricing, mileage, safety and insurance claims data.

Use the table below to see how the 2025 Ford Escape compares side-by-side with these models:

Ford Escape Avg annual full coverage premium $2,424 Read More	Honda CR-V Avg annual full coverage premium $2,253 Read More	Toyota RAV4 Avg annual full coverage premium $2,394 Read More
Price (MSRP)
$29,150	$30,100	$29,250
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
26-40 combined city/hwy MPG	28-40 combined city/hwy MPG	28-39 combined city/hwy MPG
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Substantially better than average	Better than average

Frequently asked questions

The Ford Escape falls around the middle of the pack when it comes to insurance costs. It's typically less expensive to insure than some compact SUVs with higher repair bills or theft risk, but factors like trim level, your driving history and where you live can push rates up or down. In general, it’s considered affordable to insure for its class — especially if you qualify for safe driving or bundling discounts.
To keep your premiums low, start by comparing quotes from multiple insurers — rates can vary more than you think. Look for discounts you may already qualify for, like bundling your home and auto insurance or enrolling in a telematics program. Driving a hybrid Escape could also help reduce rates, as some insurers offer discounts for eco-friendly vehicles.
Yes, the Escape earns strong marks for reliability. According to J.D. Power, it holds an overall consumer rating of 82 out of 100. It scores especially well in quality and reliability (85/100) and resale value (85/100), which speaks to its solid long-term value. While driving experience and dealership satisfaction were rated as average, the Escape is still viewed as a dependable option in the compact SUV category.

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.