Buying competitive car insurance for a Ford Escape in California relies on a lot of things such as your financial responsibility, if you have prior claims, and blemishes on your driving record. Drivers pay on average $1,167 a year to insure their Escape, but that amount is an estimation calculated using a 30-year-old single male driver with full physical damage coverage and $500 deductibles.
But there is a high likelihood that you are not 30 and maybe not even a male, you might be married instead of single, or you just want cheap liability insurance instead of full coverage. Having what appears to be a very minor change in rating variables can result in a massive change in how much insurance for a Ford Escape costs.
This illustrates why the only way to find cheap auto insurance rates for your Ford is to do a thorough rate comparison. Quotes are free and you will be able to see rates from some of the best companies that insure vehicles in California.
Cheapest Ford Escape Insurance Rates
Your vehicle’s trim level will likely have an effect on the cost of coverage, so the rate you pay to insure a Escape XLS 2WD will cost $122 less than the price to insure the more expensive Escape Limited 4WD version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $276 | $382 | $492 | $30 | $148 | $1,328 | $111 |
| Escape XLS 4WD | $276 | $382 | $492 | $30 | $148 | $1,328 | $111 |
| Escape XLT 2WD | $276 | $382 | $492 | $30 | $148 | $1,328 | $111 |
| Escape Limited 2WD | $316 | $382 | $492 | $30 | $148 | $1,368 | $114 |
| Escape XLT 4WD | $316 | $382 | $492 | $30 | $148 | $1,368 | $114 |
| Escape Limited 4WD | $316 | $464 | $492 | $30 | $148 | $1,450 | $121 |
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in vehicle garaging location which can affect insurance rates considerably.
Choosing a highly-rated insurer is hard considering how many companies there are to choose from in California. The information below may help you select which companies you want to consider when trying to find the cheapest insurance for a Ford Escape. The ratings below are only comprised of companies that insure vehicles across America, so companies that only write business in California or surrounding areas are not factored into these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
The chart below highlights how deductible selection can increase or decrease insurance costs when quoting cheap insurance for a Ford Escape. The prices are based on a single male driver, full coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could lower rates by $378 a year by changing from a $100 deductible to a $500 deductible, or save $570 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could lower their rates $1,226 annually by using a higher deductible. When choosing a higher deductible, it is a good idea to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
Impact of violations and accidents on rates in Los Angeles
The common sense way to maintain low insurance prices for an Escape is to be a careful driver and avoid at-fault accidents and violations. The example below demonstrates how speeding tickets and accident claims can affect premium costs for different age groups. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no accidents and a clean driving record is $2,314. Receive two speeding tickets and the average cost swells to $3,067, an increase of $754 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of insurance for a Ford Escape increases to an average of $3,817. That’s an increase of $1,504, or $125 per month, just for being a little careless behind the wheel!
You are probably paying too much for Escape insurance
California insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay for coverage. Simply improving your credit, buying a home instead of renting, or getting a few speeding tickets may generate price changes resulting in some rates now being more affordable than others.
Additionally, companies amend pricing at least once a year in order to remain profitable. Larger than normal claims can result in high rates, while a lower level of claims may cause cheaper Escape insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with no accidents or violations, and a high credit rating. If we estimate prices based on her current rating profile, USAA might offer the best car insurance rates in Los Angeles at $1,781 each year. This is $130 more than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the cheapest Los Angeles, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example a claim, poor credit, and a traffic citation. Since each auto insurance company has a unique formula to set their prices, comparing insurance quotes may result in a different list of the cheapest Los Angeles car insurance companies as shown below.
Grange now has the lowest price in Los Angeles, CA with Allstate, Mercury, Progressive, and GEICO now being in the top five. This example demonstrates why it is so important to shop around with many companies when trying to get the best car insurance quotes for a Ford Escape. Rates can be determined by many things and can change substantially, so the cheapest option the last time you shopped around may now be an over-priced policy.
How to find more affordable car insurance for a Ford Escape
Lowering your rates is not difficult, and here are some thrifty suggestions that can help California drivers get cheaper auto insurance.
- Increase physical damage deductibles
- Avoid having at-fault accidents
- Do not insure for full coverage
- Do not get tickets
- Drive safe vehicles
- Higher credit ratings may save you money
- Compare prices as often as possible
The last tip in the list is extremely significant, as was emphasized in the prior article. Prices charged by companies can be changed at any time, so don’t hesitate to buy from a new company if you can find a cheaper rate. Staying with the same company for years is fine, but it’s not a good idea if that loyalty ends up costing lots of hard earned cash every month. In just a couple of minutes you could shop around to find cheaper insurance for a Ford Escape in Los Angeles.
If you like to have a professional recommendation when buying car insurance for an Escape, the agencies below can probably answer your questions and help you decide which insurance coverage you need.
To locate an agency using an interactive map, click the button following the list.
Helen Lee – State Farm Insurance Agent
2535 W Olympic Blvd – Los Angeles, CA 90006 – (213) 738-0700
Starco Insurance
1905 S Western Ave #19 – Los Angeles, CA 90018 – (310) 215-9991
Michael Chien – State Farm Insurance Agent
318 1/2 S La Brea Ave #2 – Los Angeles, CA 90036 – (323) 932-2557
Ken Donaldson Insurance Agency
6108 Venice Blvd – Los Angeles, CA 90034 – (310) 451-4943