How much is insurance on a Ford Escape?

Priced for the 2024 Escape AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Escape's rank is the same in every state.

Why the Ford Escape costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Ford Escape 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 87 for crash repairs, 82 for non-crash damage, 104 for damage to others' property, and 113 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage13% better than average18th best of the 26 small SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage18% better than average17th best of the 26 small SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage4% worse than average21st best of the 26 small SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 13% more often than average18th best of the 24 small SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Escape comes out about 14% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 6% less than average: about $900 a year vs $950. On the liability side, damage to others and injury claims combine to about 9% worse than average. We count about half, so that part is about 5% more: $1,040 a year vs $990.

How the math works

In EPA size classes, the Escape is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Ford Escape is benchmarked against small SUVs.

Matched to HLDI series “Ford Escape 4dr 4WD” (HLDI, 2022–24 models).

A used Ford Escape, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Escape AWD (0–3 years old)	about $1,930	about $1,040	+$1,280	about $5,550
2022 Escape AWD (4–7 years old)	about $1,830	about $1,040	+$1,200	about $5,240
2018 Escape AWD (8–12 years old)	about $1,480	about $830	+$980	about $4,240
2013 Escape AWD (13 or more years old)	about $1,440	about $890	+$950	about $4,140

Our catalog covers the Ford Escape across model years 2006–2027. Full coverage on a used 2013 Escape (13 or more years old) runs about $1,440 a year, $490 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $890 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Ford Escape trims, full coverage goes from about $1,780 a year on the Escape AWD HEV to about $2,070 on the Escape FWD, because HLDI's loss results differ by body, drive, or powertrain.

• Escape AWD HEV: about $1,780
• Escape FWD HEV: about $1,910
• Escape AWD: about $1,930
• Escape FWD: about $2,070

On a policy of their own with a 2024 Ford Escape, a 22–25-year-old pays about $2,510 a year ($580 more than a 45-year-old), a 26–39-year-old about $2,150, and a driver 65 and older about $2,030.

Adding a 16-year-old with a Ford Escape

Adding a new 16-year-old who drives the Ford Escape raises the family bill by about $1,280 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,550 a year, so keeping them on the family policy saves about $4,270 a year.

For adding a teen driver, the Ford Escape ranks 53rd most expensive out of all 121 models we track. Stepping down to a used 2013 Escape (13 or more years old) brings the teen add-on to about $950 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Ford Escape is the 6th most expensive to insure. Right next to it are the Buick Envista (about $1,920 a year) and the Hyundai Ioniq 5 (about $1,950).

• 2024 Toyota Corolla Crossabout $1,900 (about the same)
• 2024 Chevrolet Traxabout $1,900 (about the same)
• 2024 Kia Seltosabout $1,910 (about the same)
• 2024 Buick Envistaabout $1,920 (about the same)
• 2024 Ford Escapeabout $1,930 (this car)
• 2024 Hyundai Ioniq 5about $1,950 (about the same)
• 2024 Kia Sportageabout $2,010 ($80 more)
• 2024 Kia EV6about $2,030 ($100 more)
• 2024 Jeep Compassabout $2,040 ($110 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Ford Escape costs in your state

In six sample states, a 2024 Ford Escape runs from about $1,340 a year in Wisconsin through South Dakota, Washington, New Mexico and Delaware to about $2,550 in New York:

• Wisconsinabout $1,340/yr · +$890 teen
• South Dakotaabout $1,560/yr · +$1,030 teen
• Washingtonabout $1,660/yr · +$1,090 teen
• New Mexicoabout $1,750/yr · +$1,150 teen
• Delawareabout $2,110/yr · +$1,390 teen
• New Yorkabout $2,550/yr · +$1,680 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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