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Car insurance is a necessary expense for any vehicle owner, and the cost can vary significantly depending on the make and model of the car. In this article, we will explore the average cost of car insurance for the 2025 Ford Escape, one of the most popular SUVs on the market.

According to recent data, the average cost of car insurance for a 2025 Ford Escape is around $1,500 per year. This cost can vary depending on several factors, including the driver’s age, driving record, location, and coverage options. To get the best rate for your Ford Escape, it is important to shop around and compare quotes from different insurance companies.

Here are the average costs and reviews for four different insurance companies for a 2025 Ford Escape:

1. State Farm: State Farm is known for offering competitive rates for a variety of vehicles, including the Ford Escape. On average, State Farm’s rates for a 2025 Ford Escape are around $1,400 per year. Customers praise State Farm for its excellent customer service and claims handling process.

2. Geico: Geico is another popular choice for Ford Escape owners, with average rates of around $1,300 per year. Geico is known for its affordable rates and user-friendly online tools for managing policies. Customers appreciate Geico’s easy-to-use website and mobile app.

3. Progressive: Progressive offers competitive rates for the 2025 Ford Escape, with an average cost of around $1,600 per year. Progressive is praised for its extensive coverage options and discounts for safe drivers. Customers like Progressive’s user-friendly website and helpful customer service representatives.

4. Allstate: Allstate is another popular choice for Ford Escape owners, with average rates of around $1,700 per year. Allstate is known for its customizable coverage options and rewards programs for safe drivers. Customers appreciate Allstate’s comprehensive coverage options and responsive claims handling.

When choosing car insurance for your Ford Escape, it is important to consider the coverage options that are included in your policy. Here are six common things that are covered by most car insurance policies:

1. Liability coverage: Liability coverage pays for damages to other vehicles or property in the event of an accident where you are at fault.

2. Collision coverage: Collision coverage pays for damages to your vehicle in the event of a collision with another vehicle or object.

3. Comprehensive coverage: Comprehensive coverage pays for damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.

4. Medical payments coverage: Medical payments coverage pays for medical expenses for you and your passengers in the event of an accident.

5. Uninsured/underinsured motorist coverage: This coverage pays for damages if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

6. Personal injury protection: Personal injury protection pays for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.

It is important to note that there are also things that are not covered by most car insurance policies. Here are six common things that are not covered by most car insurance policies:

1. Wear and tear: Car insurance does not cover normal wear and tear on your vehicle, such as mechanical breakdowns or maintenance costs.

2. Racing: Car insurance does not cover damages that occur while participating in racing or other high-risk activities.

3. Intentional damage: Car insurance does not cover damages that are intentionally caused by the driver, such as vandalism or fraud.

4. Personal belongings: Car insurance does not cover personal belongings that are stolen or damaged in your vehicle, such as electronics or clothing.

5. Driving under the influence: Car insurance does not cover damages that occur while driving under the influence of alcohol or drugs.

6. Commercial use: Car insurance does not cover damages that occur while using your vehicle for commercial purposes, such as delivery or ridesharing services.

When shopping for car insurance for your Ford Escape, it is important to ask the right questions to ensure that you are getting the coverage you need at a price you can afford. Here are 13 common questions and answers to help you make an informed decision:

1. What factors affect the cost of car insurance for a Ford Escape?

The cost of car insurance for a Ford Escape can be affected by factors such as the driver’s age, driving record, location, and coverage options.

2. How can I lower the cost of car insurance for my Ford Escape?

You can lower the cost of car insurance for your Ford Escape by taking advantage of discounts for safe driving, bundling policies, and raising your deductible.

3. What coverage options should I consider for my Ford Escape?

You should consider liability coverage, collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and personal injury protection for your Ford Escape.

4. Do I need full coverage insurance for my Ford Escape?

Full coverage insurance is not required by law, but it can provide additional protection for your Ford Escape in the event of an accident or other covered event.

5. How can I find the best car insurance rates for my Ford Escape?

You can find the best car insurance rates for your Ford Escape by comparing quotes from multiple insurance companies and taking advantage of discounts and incentives.

6. What should I do if I am involved in an accident with my Ford Escape?

If you are involved in an accident with your Ford Escape, you should contact your insurance company as soon as possible to file a claim and begin the claims process.

7. Can I add additional drivers to my car insurance policy for my Ford Escape?

Yes, you can add additional drivers to your car insurance policy for your Ford Escape, but it may affect the cost of your premium.

8. What should I do if my Ford Escape is stolen or vandalized?

If your Ford Escape is stolen or vandalized, you should contact your insurance company to file a claim and report the incident to the police.

9. Can I customize my car insurance policy for my Ford Escape?

Yes, you can customize your car insurance policy for your Ford Escape by adding optional coverage options and adjusting your coverage limits.

10. What type of coverage do I need if I use my Ford Escape for ridesharing services?

If you use your Ford Escape for ridesharing services, you may need additional coverage options to protect yourself and your passengers while driving for hire.

11. Are there any discounts available for insuring a Ford Escape?

Yes, many insurance companies offer discounts for insuring a Ford Escape, such as discounts for safe driving, bundling policies, and completing a defensive driving course.

12. How can I file a claim with my insurance company for my Ford Escape?

You can file a claim with your insurance company for your Ford Escape by contacting your insurance agent or the company’s claims department and providing the necessary information about the incident.

13. What should I do if my Ford Escape is damaged in a natural disaster?

If your Ford Escape is damaged in a natural disaster, such as a hurricane or flood, you should contact your insurance company to file a claim and begin the claims process.

In conclusion, the average cost of car insurance for a 2025 Ford Escape is around $1,500 per year, but this cost can vary depending on several factors. By comparing quotes from different insurance companies and understanding the coverage options available, you can find the best rate for your Ford Escape and protect yourself and your vehicle on the road.
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