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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Ford Escape owners pay an average of $125 per month for insurance — $27 below the national average for all vehicles, according to our data. But Escapes are more prone to theft than other small SUVs, according to the Highway Loss Data Institute.[1] This can drive up premiums, especially in areas where theft is more common.
Though rates are cheaper than average, you can still get even lower rates with companies like Mile Auto — as little as $57 per month. This article covers the cheapest rates for a variety of situations and ways to lower your insurance costs.
Ford Escape car insurance averages $88 per month for liability and $162 for full coverage.
Nationwide, Travelers, and State Farm are among the best insurers for Ford Escapes.
A 2025 Escape costs up to $780 more per year to insure than a 2015 model.
Insurance costs for an Escape largely boil down to the coverage you choose. Liability-only is the cheapest insurance available, but it covers only damage you cause to others. Full coverage adds protection for your SUV, but it costs more.
Here’s how the numbers break down for liability and full coverage for Escape drivers compared to all other vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Escape | $88 | $162 | $125 |
| All vehicles | $107 | $197 | $152 |
Our data shows that Escape insurance averages just $88 per month for basic liability and $162 for full coverage. But your actual cost depends on factors like your age, ZIP code, and driving history.
No matter what the average shows, you can usually find ways to trim down your Escape insurance costs.
The companies featured in the table below have the most competitive rates for Escapes, according to Compare.com data. For most drivers, they’re a great place to start.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $57 |
| Novo | $58 |
| Travelers | $67 |
| Certainly | $69 |
| Nationwide | $77 |
Mile Auto leads with an average monthly premium of just $57. But remember, what’s cheapest on average might not be cheapest for you. For example: Someone in Florida might get cheaper rates with GEICO, while your best deal may come from Progressive. That’s why comparing quotes from multiple companies is essential.
Get personalized quotes from top insurance companies.
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The right insurance isn’t about a single best company. Your ideal choice depends on your driving profile, coverage needs, and budget. The companies below stand out for offering a mix of competitive rates for Escape owners, customer satisfaction scores, useful discount options, and flexible coverage.
If you’re trying to narrow your search for car insurance, these picks cover top options for teens, full coverage, and budget-conscious drivers.
Compare.com Rating: 5.0 out of 5
Many discounts for young drivers
Many local agents
High rating for customer service[2]
Gap coverage not available
Few customization options
Quotes not available online
State Farm is excellent for families with teens or college students behind the wheel. The Steer Clear program makes the usually painful process of insuring young drivers more manageable. You’ll complete quick lessons and driving tasks through an app and then qualify for discounts.
And with agents in nearly every town from Portland, Maine, to Portland, Oregon, a local agent is always available to walk nervous parents through the process.
Compare.com Rating: 4.88 out of 5
High marks for claims satisfaction[3]
Many bundling and discount options
Gap coverage available
Customer service could be better
Higher rates than some competitors
Instant quotes not available in some areas
If you want more extensive protection, Nationwide is a smart choice. The premium might not be the cheapest for minimum coverage, but Nationwide has perks to make up the difference. You can add gap insurance, rental car reimbursement, and roadside assistance to tailor coverage to your needs.
Plus, the vanishing deductible feature knocks $100 off your deductible each year you drive safely — up to $500 — while accident forgiveness protects your premiums so a car crash doesn’t spike your rates.
Compare.com Rating: 4.23 out of 5
Many bundling and discount options
Flexible deductibles and coverage levels
Accident and minor violation forgiveness available
Low marks for claims satisfaction
Below-average rating for customer service
Limited rideshare coverage
Travelers has solid coverage for budget-conscious Escape owners. You’ll get access to rare discounts for things like owning a home (even if you get home insurance somewhere else), driving a hybrid or electric car, and paying your bill on time.
The company’s Responsible Driver Plan adds forgiveness for accidents and minor violations. This means your premiums won’t automatically jump after your first crash or minor ticket, which can be a financial lifesaver when you’re watching every dollar.
Compare personalized quotes from America’s top companies.
A shiny new Escape might catch your eye, but newer models often come with higher premiums. Generally speaking, the more your Escape is worth, the more it’ll cost to insure.
Here’s how insurance costs stack up for different Escape model years and the cheapest insurers for each, according to Compare.com data.
Escape Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $188 | Mile Auto | $86 |
| 2024 | $163 | Mile Auto | $74 |
| 2023 | $152 | Mile Auto | $69 |
| 2022 | $154 | Mile Auto | $70 |
| 2021 | $148 | Mile Auto | $67 |
| 2020 | $138 | Mile Auto | $63 |
| 2019 | $137 | Mile Auto | $62 |
| 2018 | $129 | Mile Auto | $59 |
| 2017 | $125 | Mile Auto | $57 |
| 2016 | $124 | Mile Auto | $56 |
| 2015 | $123 | Mile Auto | $56 |
Your Escape’s location matters just as much as its age. From the congested streets of NYC to the wide-open highways of Wyoming, where you park your Escape can change what you pay for insurance.
Your home state is one of the biggest variables in your Escape’s insurance costs. States with high traffic density, severe weather, or a high number of uninsured drivers tend to increase everyone’s premiums, regardless of their driving record.
Check out how average Escape insurance rates compare across all 50 states, according to our research.
State | Average Monthly Premium |
|---|---|
| Alabama | $82 |
| Arizona | $110 |
| Arkansas | $157 |
| California | $158 |
| Colorado | $129 |
| Connecticut | $250 |
| Delaware | $153 |
| Florida | $161 |
| Georgia | $163 |
| Idaho | $83 |
| Illinois | $102 |
| Indiana | $89 |
| Iowa | $75 |
| Kansas | $101 |
| Kentucky | $161 |
| Louisiana | $148 |
| Maine | $98 |
| Maryland | $226 |
| Massachusetts | $124 |
| Michigan | $193 |
| Minnesota | $124 |
| Mississippi | $124 |
| Missouri | $121 |
| Montana | $100 |
| Nebraska | $116 |
| Nevada | $196 |
| New Hampshire | $75 |
| New Jersey | $130 |
| New Mexico | $95 |
| New York | $316 |
| North Carolina | $61 |
| North Dakota | $95 |
| Ohio | $84 |
| Oklahoma | $107 |
| Oregon | $106 |
| Pennsylvania | $107 |
| Rhode Island | $94 |
| South Carolina | $180 |
| South Dakota | $80 |
| Tennessee | $93 |
| Texas | $146 |
| Utah | $120 |
| Vermont | $89 |
| Virginia | $119 |
| Washington | $92 |
| District of Columbia | $187 |
| West Virginia | $95 |
| Wisconsin | $84 |
| Wyoming | $80 |
Your age affects your monthly car insurance bill almost as much as your driving record. Decades of accident statistics show clear patterns across age groups, and insurers adjust prices accordingly. For example, rates are higher for teens since they’re still learning and tend to take more risks behind the wheel.[4]
Take a look at what different age groups might pay for Escape insurance and the cheapest company for each, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $234 | Mile Auto | $107 |
| Adults | $114 | Mile Auto | $52 |
| Seniors | $96 | Mile Auto | $44 |
We found that teen drivers pay more than twice as much as adult drivers for Escape insurance. Mile Auto offers some relief, with rates that average $107 per month — beating the national average by a significant margin.
A spotless driving record is more than bragging rights. It can also keep cash in your pocket. Insurance companies see your driving history as the most reliable predictor of future claims. Every ticket, fender bender, or serious violation points to more risk for insurers, and they’ll raise your rates accordingly.
The table below shows the average rate drivers with different records pay for their Ford Escape and the cheapest company for each, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $125 | Mile Auto | $57 |
| Speeding ticket | $173 | Mile Auto | $79 |
| At-fault accident | $180 | Mile Auto | $82 |
| DUI | $205 | Mile Auto | $93 |
A single speeding ticket bumps Ford Escape premiums by almost 40%. But the difference between a clean record and a DUI adds up to nearly $1,000 more per year to your car insurance.
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The bells and whistles in your Escape play a surprising role in your monthly premium costs. Here are some Escape features that can increase your premium or bring your costs down.
Advanced safety features: Ford Co-Pilot360 can qualify you for safety discounts with insurers.[5]
Trim level: Higher trims increase repair costs, which can drive up insurance prices compared to base models.
Theft frequency: Escapes are more likely to have theft claims, which can increase coverage costs.
MyKey technology: This longstanding Ford feature lets you set speed limits and audio controls for secondary drivers (like teens) and may make you eligible for a discount.
Vehicle size: The moderate size and horsepower keep the Escape out of the high-risk category that sports cars and large SUVs often fall into.
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Nobody wants to pay more than necessary to insure their Escape. Thankfully, you can use several strategies to help shave down your monthly premiums.
Pick a basic model. A Titanium model with leather seats and a premium sound system is tempting, but it can increase insurance costs.
Rethink AWD. All-wheel drive is helpful in bad weather, but front-wheel drive is often less expensive to insure.
Use a tracking app. Telematics programs like State Farm’s Drive Safe & Save reward responsible habits with discounts.
Increase your deductible. A higher deductible can lower your monthly bill. Just make sure you can cover the extra cost if you file a claim.
Compare quotes often. Prices change constantly. Getting quotes from a few insurers could save you more than you think.
Get real-time quotes and save money on your next policy.
If you still have questions about Escape insurance, here are some quick answers to the ones we hear the most.
No. Ford Escapes are actually cheaper to insure than most vehicles, according to our data. You’ll pay around $125 per month, while the average car costs $152 to insure.
Mile Auto is the cheapest insurance company for Ford Escapes, with an average monthly cost of $57, according to our research. But remember, your personal rate depends on where you live, your age, and your driving record.
The newest 2025 Escape costs about $188 per month to insure — the highest of any model year, according to our data. Mile Auto offers the cheapest rates for the 2025 model, at approximately $86 per month — less than half the average premium.
Our research shows that the Ranger is the cheapest Ford to insure, at $122 per month. If you’re set on an Escape, the 2015 model is the most affordable to insure, at $123 per month, with the 2016 right behind it, at $124.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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