Finding competitive auto insurance for a Ford Escape is dependent upon a lot of factors such as whether you are single or married, if you have recent claims, and whether or not you are a good driver. Arizona drivers pay around $791 per year to insure their Escape, but that amount is an approximation calculated using a 30-year-old single male driver with full coverage and $500 deductibles.
There’s a good chance you are not 30 years old and maybe not even male, married instead of single, or you just prefer to insure for liability only. Everyone has unique insurance needs, and this illustrates why the only real way to find the cheapest coverage for your Ford is to do a thorough rate comparison. Get your free quotes now and you will receive prices from top-rated car insurance companies available.
The specific trim level will have an impact the cost of insurance, so the price you will be charged to insure a Escape XLS 2WD model will be $82 lower than the price to insure the higher-end Escape Limited 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $188 | $258 | $334 | $20 | $100 | $900 | $75 |
| Escape XLS 4WD | $188 | $258 | $334 | $20 | $100 | $900 | $75 |
| Escape XLT 2WD | $188 | $258 | $334 | $20 | $100 | $900 | $75 |
| Escape Limited 2WD | $214 | $258 | $334 | $20 | $100 | $926 | $77 |
| Escape XLT 4WD | $214 | $258 | $334 | $20 | $100 | $926 | $77 |
| Escape Limited 4WD | $214 | $314 | $334 | $20 | $100 | $982 | $82 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in your specific Scottsdale location which can modify auto insurance rates substantially.
Comparing quotes for budget auto insurance is challenging, and deciding which companies quote the best auto insurance rates for a Ford Escape will require a little more work. Each company has their own guidelines to determine premium rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Arizona.
It’s important that readers know that Scottsdale, AZ auto insurance rates are based on many factors which can substantially decrease or increase the price you have to pay. Simply improving your credit, buying a different home, or having an at-fault accident may prompt premium changes that may make certain companies more expensive than competitors.
Cheapest Insurance Rates for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $897 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,113 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,461 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,473 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
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The Hartford quotes some of the most affordable car insurance rates in Scottsdale at around $845 a year. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the cheaper Scottsdale, AZ car insurance companies.
As shown in the rates above, if you are currently insured with USAA and switched to Safeco, you could see a yearly price reduction of about $217. Policyholders with GEICO could save as much as $246 a year, and Progressive insureds might reduce rates by $256 a year.
To get a quick, customized rate comparison, click here to start your custom quote or quote rates from the companies below.
It’s important to note that these policy prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific zip code for a Ford Escape. So the car insurance company that can offer you the best price may not even be in the top 28 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver data and vehicle information.
The chart below shows how choosing a deductible can increase or decrease insurance costs when searching for cheap insurance for a Ford Escape. The premiums assume a single female driver, full coverage, and no additional discounts are factored in.
A 50-year-old driver could reduce rates by $236 a year by switching from a $100 deductible up to a $500 deductible, or save $358 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save $602 or even more just by using higher deductibles. When increasing deductibles, it is necessary to have enough spare savings to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Tickets and at-fault accidents raise rates
The easiest method to receive affordable auto insurance rates in Arizona for an Escape is to be a safe driver and not have accidents or get tickets. The information below demonstrates how speeding tickets and at-fault fender-benders raise premium costs for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Scottsdale per year with no violations or accidents is $1,092. Receive one speeding ticket and the average cost hikes up to $1,271, an increase of $179 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Escape goes up to an average of $2,886. That’s an increase of $1,794, or $150 per month, just for not maintaining a clean driving record!
Discounts on Scottsdale car insurance rates
Insurance providers that provide coverage for a Ford Escape may also offer price discounts that can lower rates by as much as 30% if you qualify for them. A list of auto insurance companies and some of the premium reductions they offer are:
- State Farm offers discounts including Steer Clear safe driver discount, good student, good driver, multiple policy, anti-theft, and defensive driving training.
- Progressive includes discounts for online signing, good student, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
- Travelers has discounts for new car, continuous insurance, save driver, driver training, and payment discounts.
- American Family has savings for Steer into Savings, good driver, multi-vehicle, accident-free, bundled insurance, TimeAway discount, and air bags.
- Liberty Mutual offers discounts for multi-car, new graduate, new move discount, safety features, exclusive group savings, and newly retired.
The chart below visualizes the comparison of premium costs with and without discounts applied. The prices are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with defensive driving course, homeowner, anti-theft, multiple vehicle, accident-free, and safe-driver discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Ford Escape is 27% or $449.