Ford EcoSport Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ford EcoSport costs more than most other SUVs to insure.

• Full coverage for an EcoSport generally averages around $165 monthly, while liability only auto insurance premiums run about $81.

• At as low as just $35 per month for liability only coverage, Aspire is the lowest insurance carrier for an EcoSport.

EcoSport Overview

The Ford EcoSport is a great car for drivers on a budget, with new 2021 models starting at $19,995. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when considering your car insurance prices.

We combed through thousands of auto insurance quotes on Compare.com, and we've determined that, on average, Ford EcoSport insurance rates run around $150 a month. How do car insurance costs for the EcoSport compare to prices of other similar SUVs?

How Much is Car Insurance for a Ford EcoSport?

In the table above, you'll find that auto insurance rates for a Ford EcoSport are about average compared to other vehicles on the road. EcoSport owners can expect to pay around $165 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $81 per month for liability only insurance (learn more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the EcoSport is in line with the other vehicles in Ford's lineup. But EcoSport insurance is more expensive than average when compared to other vehicles of a similar body style, with liability insurance premiums averaging exactly the same rates, but full coverage insurance costs coming in at $13 more than other SUVs.

Compared to all vehicles of any body type, liability only prices for the EcoSport run about the same, while full coverage insurance is slightly less expensive than average.

Who has the Cheapest Car Insurance for a Ford EcoSport?

Browsing for a car insurance policy for your Ford EcoSport? You most likely want to know which company offers the cheapest prices. Although there will never be one carrier that offers the cheapest costs for everyone, the most affordable average rates for liability only insurance are sometimes as low as $24 a month from Mile Auto. With car insurance as little as $29 monthly, Verti is the next lowest car insurance company.

Completing the top 5 companies are NationalGeneral, Acceptance, and Aspire. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take several different factors into consideration when calculating monthly premiums. By getting quotes from many auto insurance carriers at once, you can be sure you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Ford EcoSport?

There are a whole range of factors that car insurance companies use to determine how much they charge for a policy -- and every carrier uses a different method, so there's not one single company that's the cheapest for everyone.

The sections below show a variety of things insurance carriers use to calculate rates:

Vehicle Age

The Ford EcoSport has only been around for two or three model years, which means vehicle age won't affect your premium in the same way it might for other vehicles. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and EcoSports begin to depreciate, insurance costs will gradually go lower.

As you can see in the information above, EcoSport premiums are typically around between $76 and $85 per month.

Your Age

Age makes a difference in how much you pay for car insurance. Because the Ford EcoSport is pretty new to the market, we're just starting to collect data on how age is affecting insurance rates. So far, based on the table above, younger EcoSport drivers pay a lot more compared to older drivers. Ford EcoSport drivers aged between 18 and 24 actually pay $35 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 35-44 for EcoSport drivers.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men. When it comes to EcoSport drivers specifically, men pay about 27% more than women a month for auto insurance.

Where You Live

You're probably already aware that variables such as what vehicle you drive and how old you are play a role in your car insurance costs, but did you know that where you live can have just as much as an impact? Because auto insurance is regulated on the state level and not nationally, prices differ quite a bit depending on what state you reside in.

Because the EcoSport is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than other locations. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

Ford EcoSport Car Insurance Discounts

No matter what car you drive, what state you call home, or how old you are, it's always in your best interest to take advantage of as many insurance discounts as possible.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than by monthly payments

While discounts are always a good way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

While you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the things you can use in your favor when it comes to cost savings:

Your Driving Record

It's no secret that auto insurance companies offer the lowest premiums to drivers with clean records. It shouldn't come as a surprise that your insurance costs will go higher if you get tickets or get into an accident. But exactly how much is it going to cost you for these infractions?

Unfortunately, we don't have enough data on file for Ford EcoSport drivers specifically, since it is a relatively new SUV. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost EcoSport drivers when it comes to car insurance.

How Much You Drive

How much you drive annually plays a big role when it comes to your insurance prices. Those who drive less often are less likely to get into collisions, so they'll usually end up spending less on auto insurance. Since the Ford EcoSport is a new SUV, our data is relatively limited, so we don't yet know how much annual driving distance will affect rates.

But if you drive a limited amount, you might consider choosing a usage-based or pay-per-mile car insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Ford EcoSports Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Ford EcoSport is on your shortlist, it might be helpful to do your research. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering.

Take a look at the table below to see how the Ford EcoSport compares:

Overall, the Ford EcoSport is a fantastic value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. The EcoSport starts at $19,995, which is quite a bit lower than the national average vehicle price of $46,228.

Unlike the EcoSport's lower price, auto insurance prices are pretty average when compared to the rest of the vehicle market. Full coverage insurance for a Ford EcoSport is around $18 per month cheaper than average, while liability only coverage is $14 higher monthly.

However, it is worth noting that the EcoSport owners tend to drive their cars less than the average American driver, with only 9,387 annual miles for the average owner.

Ford EcoSport Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect a driver's insurance rates. If you're considering buying a new EcoSport, knowing what you'll likely pay for the specific car you're looking at is extremely valuable as you weigh your options.

That's why we've broken down Ford EcoSport car insurance costs by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, such as who offers the most affordable policies, which trim levels are offered, and the base MSRP for each year the EcoSport has been around.

2021 Ford EcoSport Car Insurance

If you're considering a brand new Ford EcoSport, you've got options. With four different trim levels to pick from, there's surely a style for everyone.

When it comes to auto insurance, it costs about $95 per month, on average, to insure a 2021 Ford EcoSport for liability only and $151 monthly for full coverage. And if you want the cheapest insurance possible, DirectGeneral offers liability only policies for sometimes as cheap as $38 a month.

While it helps to know the average price drivers pay to insure a 2021 EcoSport, a personalized quote is the only way to know exactly how much insurance will cost you. Luckily, Compare.com will gather quotes from multiple carriers for you, all for free. Simply enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

2020 Ford EcoSport Car Insurance

If you're in the market for a 2020 EcoSport or already own one, you're most likely looking at an average car insurance premium of around $97 for liability or $175 for full coverage.

And if you're just looking for the lowest auto insurance for your EcoSport, Mile Auto offers liability only policies for as low as $21 per month.

If you want to find the best premiums for car insurance for a 2020 Ford EcoSport, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2019 Ford EcoSport Car Insurance

2019 EcoSport drivers can expect to pay an average of $86 a month for liability or $166 for full coverage.

If you're looking for the lowest possible 2019 Ford EcoSport insurance policy, Infinity offered the most affordable policy we found, with rates sometimes as little as $20 monthly.

If you want to know exactly how much you can expect to pay for your EcoSport, get free quotes in minutes by just entering your ZIP code below.

2018 Ford EcoSport Car Insurance

The average cost to insure a 2018 Ford EcoSport with liability only coverage is $70 a month, while full coverage runs about $162 monthly.

We found Aspire offered the cheapest policy, with rates as cheap as just $22 per month.

Interested in just how much you'll pay? Get several personalized quotes for free by just entering your ZIP code below.

Ford EcoSport Insurance FAQs

Is a Ford EcoSport expensive to insure?

Liability insurance runs an average of $81 a month, while full coverage will cost you around $165. The Ford EcoSport is more expensive to insure compared to the average SUV.

How can I get the best price on car insurance for my Ford EcoSport?

The only way to be confident you're getting the lowest price on insurance is to regularly shop around and compare quotes from a lot of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare costs from an array of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Ford EcoSport affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure, but that's simply not true. There are a variety of factors auto insurance companies use when they offer you a premium, but your car's color is not factored into that equation.

Do I need to have insurance before I buy a Ford EcoSport?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) Ford EcoSport off the dealership lot. As part of the buying process, some dealerships might offer you an insurance policy, but the easiest thing to do is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Ford EcoSport?

You will find a whole range of different discounts out there for auto insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your EcoSport has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, reach out to your insurance company and ask about their discounts.