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The thought behind insurance costs can be complicated depending on your situation. That is why it’s a good idea to have an insurance agent. Knowing some factors that come into play before you talk to anyone is a good idea, as well. For those looking for a Ford, the insurance rates are fairly reasonable but can be costly for some drivers. 

Factors affecting your insurance cost 

A blue Ford Escape driving down a wooded area, which is the Ford with the lowest insurance cost.
2021 Ford Escape | Ford Media Center

Age is a significant factor when figuring out how much you’ll pay for insurance. Younger drivers tend to pay a much higher rate than older drivers. Rates for younger drivers don’t get much better until you hit age 25. 

For a glorious period of time, your rates will continue to decrease until your sixties. At this point, your rates will begin to creep up again.

However, this is only true if you have an excellent driving record. If you’ve been in a car accident, your rates will most likely rise. There are some cases where they may get higher even if you are not at fault. For drivers who have accident forgiveness, you can avoid this, but it’s usually only valid one time.

Other factors which will cause your rates to soar include your credit rating, where you live, and the age of your vehicle.

The Ford Escape is the cheapest Ford model

If you have some factors playing against you when it comes to insurance rates, it’s important to shop around and find the cheapest rates possible. For example, the Ford F-150 is one of the most expensive Fords to own and may want to be avoided if you’re not ready to pay the high insurance costs.

However, the Ford Escape is the least expensive vehicle, according to Car Edge. Drivers with good records will be charged an average of $1,484. Those with a recent accident will owe $2,179, and drivers with poor credit will pay $2,549.

Since where you live plays a huge role in your rates, it’s important to note that Connecticut drivers who own a Ford will pay the most. In fact, the price can range as high as $5,208 for drivers with poor credit. 

The state with the cheapest rates is Hawaii. What is interesting is that drivers with good records and poor credit both pay only $849. The drivers with a recent accident on their record pay the most, but with a price tag of $1,153, it’s still much cheaper than what everyone else is shelling out.

Here’s why you may love the Ford Escape

The Ford Escape may not be as popular as the F-150, Mustang, or Mustang Mach-E, but it’s a solid vehicle many critics approve of. If you’re interested in a Ford Escape, here are a few reasons to consider buying one.

According to a recent survey from J. D. Power, owners love the style of their Escape and the many safety features. Rather than nickel-and-diming owners, Ford offers a wide range of safety features such as blind-spot monitoring and emergency braking thanks to the Co-Pilot360 safety suite.

However, not all owners are pleased with the cabin, as it can feel a little cheap. There is also an issue regarding getting in and out of the Escape, which is difficult for some drivers. Even so, the Escape is the perfect small SUV for drivers who need a vehicle that won’t drive up their insurance rates.


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