Best Ford Escape Car Insurance in 2024 (Top 10 Companies Ranked)
For the best Ford Escape car insurance, explore the article to find the lowest rate starting at $75 per month with State Farm. American Family and Progressive also rank among the top providers, offering competitive coverage, excellent customer service, and additional benefits tailored to Ford Escape owners.
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Aug 29, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Full Coverage for Ford Escape
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
2,180 reviewsCompany Facts
Full Coverage for Ford Escape
A.M. Best Rating
Complaint Level
Pros & Cons
2,180 reviews
13,128 reviewsCompany Facts
Full Coverage for Ford Escape
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
The best Ford Escape car insurance providers are State Farm, American Family, and Progressive. State Farm leads with rates starting at $80 per month, offering a balance of affordability and comprehensive coverage. 
American Family and Progressive also provide competitive options, but State Farm stands out for its low premiums and reliable protection. Find out more by reading our “Best Ford Fusion Car Insurance.”
Our Top 10 Company Picks: Best Ford Escape Car Insurance
Company Rank Safe Driver Discount A.M. Best Best For Jump to Pros/Cons
#1 15% B New Drivers State Farm
#2 15% A Family Discounts American Family
#3 20% A+ Policy Options Progressive
#4 30% A++ Military Families USAA
#5 12% A Basic Coverage Liberty Mutual
#6 10% A+ Package Deals Nationwide
#7 15% A+ Personalized Service Allstate
#8 20% A Customer Service Farmers
#9 22% A++ Tech Savvy Geico
#10 23% A++ Comprehensive Plans Travelers
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#1 – State Farm: Top Overall Pick
Pros
- Customizable Coverage: State Farm offers extensive coverage options that can be tailored to the specific needs of a Ford Escape owner. Gain deeper understanding through our article entitled “State Farm Car Insurance Review.”
- Discounts: Provides multiple discount options for Ford Escape drivers, including multi-policy discounts and safe driving discounts.
- Strong Financial Standing: State Farm’s solid financial reputation ensures that Ford Escape claims are likely to be paid promptly.
Cons
- Pricing Variability: Premiums for a Ford Escape can be higher in certain regions compared to competitors.
- Limited Online Tools: The online quote process for a Ford Escape may not be as intuitive as some competitors.
#2 – American Family: Best for Loyalty Rewards
Pros
- Comprehensive Coverage: Offers robust protection options for Ford Escape owners, including optional coverage like gap insurance. Find out more by reading our article titled “American Family Car Insurance Review.”
- Loyalty Discounts: Long-term customers with a Ford Escape can benefit from significant loyalty discounts.
- Excellent Customer Service: Highly rated for customer service, which can be advantageous for Ford Escape claims.
Cons
- Limited Availability: Not available in all states, which could limit options for Ford Escape owners depending on location.
- Higher Premiums: Ford Escape drivers may find that premiums are slightly higher than with some other insurers.
#3 – Progressive: Best for Drive Down Costs
Pros
- Snapshot Program: Progressive’s Snapshot program can help Ford Escape drivers lower their premiums based on driving behavior.
- Competitive Pricing: Often offers lower premiums for Ford Escape owners compared to other insurers. Broaden your knowledge with our article named “Progressive Car Insurance Review.”
- Strong Digital Tools: Progressive’s app and online tools make managing a Ford Escape policy easy and convenient.
Cons
- Customer Service: Some Ford Escape owners report that customer service can be inconsistent.
- Rates May Increase: The Snapshot program could lead to higher premiums for Ford Escape drivers with poor driving habits.
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#4 – USAA: Best for Military-Grade Coverage
Pros
- Military Focus: Ideal for Ford Escape owners who are military members or families, offering tailored services. Explore further with our article entitled “USAA Car Insurance Review.”
- High Customer Satisfaction: USAA is known for its exceptional customer satisfaction, which benefits Ford Escape claims processing.
- Competitive Rates: Often provides lower premiums for Ford Escape owners compared to many other insurers.
Cons
- Eligibility Restrictions: Only available to military members and their families, limiting access for some Ford Escape owners.
- Limited Physical Locations: Fewer physical locations, which could be inconvenient for some Ford Escape drivers.
#5 – Liberty Mutual: Best for Flexible Policies
Pros
- Customizable Policies: Allows Ford Escape owners to customize policies to fit their specific needs, including accident forgiveness.
- Multiple Discounts: Offers a variety of discounts, including for safe driving and multiple vehicles, which can benefit Ford Escape owners.
- Roadside Assistance: Provides strong roadside assistance coverage, beneficial for Ford Escape drivers. Gain insights by reading our article titled “Liberty Mutual Car Insurance Review.”
Cons
- Higher Premiums: Ford Escape drivers might find Liberty Mutual’s premiums to be on the higher side compared to other companies.
- Customer Service Issues: Some Ford Escape owners report mixed experiences with customer service.
#6 – Nationwide: Best for Deductible Perks
Pros
- Vanishing Deductible: Ford Escape owners can benefit from a decreasing deductible with safe driving over time. Deepen your understanding with our article called “Nationwide Car Insurance Discounts.”
- Strong Financial Stability: Nationwide’s financial strength ensures that Ford Escape claims are handled reliably.
- Comprehensive Coverage Options: Offers a wide range of coverage options suitable for Ford Escape owners.
Cons
- Premiums: Ford Escape drivers may find Nationwide’s premiums to be higher than some other insurers.
- Limited Discounts: Fewer discount opportunities compared to other companies, which could be a downside for Ford Escape owners.
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#7 – Allstate: Best for Claims Satisfaction
Pros
- Claim Satisfaction Guarantee: Offers a unique satisfaction guarantee for claims, which can be reassuring for Ford Escape owners.
- Good Hands® Roadside Assistance: Provides strong roadside assistance, beneficial for Ford Escape drivers. For further details, consult our article named “Allstate Car Insurance Review.”
- Multiple Coverage Options: Offers a wide range of customizable coverage options for Ford Escape owners.
Cons
- Premium Costs: Ford Escape drivers may find that premiums are higher with Allstate compared to other insurers.
- Discount Limitations: Some Ford Escape owners may find fewer available discounts compared to other companies.
#8 – Farmers: Best for Comprehensive Care
Pros
- Comprehensive Coverage Options: Offers a broad range of coverage options that can be tailored to a Ford Escape.
- Accident Forgiveness: Ford Escape drivers can benefit from accident forgiveness, helping to avoid rate increases after a minor incident.
- Strong Customer Service: Generally positive customer service experiences reported by Ford Escape owners. Discover more by delving into our article entitled “Farmers Car Insurance Review.”
Cons
- Premium Costs: Ford Escape drivers may find premiums to be higher with Farmers compared to some competitors.
- Limited Availability: Not available in all areas, which could be a downside for some Ford Escape owners.
#9 – Geico: Best for Budget-Friendly Rates
Pros
- Competitive Rates: Often offers some of the lowest premiums for Ford Escape owners. Get a better grasp by reading our article titled “Geico Car Insurance Review.”
- Strong Online Tools: Geico’s digital tools make managing a Ford Escape policy convenient and easy.
- Multiple Discounts: Offers a variety of discounts that can benefit Ford Escape drivers, such as multi-policy and safe driver discounts.
Cons
- Customer Service: Some Ford Escape owners report less personalized customer service experiences.
- Coverage Options: While generally good, the coverage options might not be as extensive as some competitors for Ford Escape owners.
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#10 – Travelers: Best for Broad Coverage
Pros
- Broad Coverage Options: Offers a wide range of coverage options suitable for Ford Escape owners, including accident forgiveness.
- Discount Opportunities: Provides multiple discount opportunities, which can benefit Ford Escape drivers. Uncover additional insights in our article called “Travelers Car Insurance Review.”
- Strong Financial Stability: Ensures reliable claims processing for Ford Escape owners due to its financial strength.
Cons
- Higher Premiums: Ford Escape drivers may find Travelers’ premiums to be higher than those offered by some other companies.
- Limited Online Tools: The online tools and apps may not be as user-friendly for Ford Escape owners as those offered by competitors.
Ford Escape Car Insurance Monthly Rates by Coverage Level & Provider
Ford Escape Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $84 $160
American Family $82 $152
Farmers $88 $165
Geico $76 $150
Liberty Mutual $90 $170
Nationwide $78 $148
Progressive $86 $158
State Farm $80 $145
Travelers $85 $155
USAA $75 $140
Whether you’re seeking basic protection or comprehensive coverage, knowing how providers differ can help you find the best value for your Ford Escape insurance needs. Learn more about our “Best Ford Focus ST Car Insurance” for a broader perspective.
Car Insurance Discounts From the Top Providers for Ford Escape
By leveraging these discounts, you can find more affordable coverage tailored to your Ford Escape’s needs. Elevate your knowledge with our “Best Ford Flex Car Insurance.”
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Ford Escape Insurance Cost
Understanding Ford Escape insurance costs is essential for managing your vehicle expenses effectively. This guide delves into the factors influencing insurance rates for the Ford Escape, including vehicle specifics, driver demographics, and location.
By analyzing these elements, you can better grasp how they affect your premiums and find strategies to optimize your coverage. Whether you’re looking to adjust your current policy or exploring new options, this information will help you make informed decisions about your insurance costs.
Get the full story by checking out our “Compare Ford LTD Car Insurance Rates.” Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
Ford Escapes can be expensive to insure
The age of a Ford Escape significantly influences its insurance costs, as newer models often incur higher premiums due to their increased value and advanced features. Older Escapes, while generally less expensive to insure, may have higher repair costs or fewer safety features, which can affect insurance rates differently.
As the vehicle ages, its value depreciates, potentially lowering insurance costs, but this is balanced by factors such as the availability of replacement parts and overall safety ratings. Understanding these dynamics helps in managing insurance expenses effectively as your Ford Escape ages.
Driver Age
Driver age plays a crucial role in determining insurance costs for a Ford Escape. Younger drivers typically face higher premiums due to perceived higher risk and inexperience, which can lead to more frequent claims. In contrast, older drivers, often seen as more experienced and responsible, generally benefit from lower insurance costs.
State Farm is the best choice for Ford Escape insurance, offering reliable coverage at competitive rates starting at $80 per month.
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Insurance companies assess age-related risk factors when calculating premiums, taking into account driving history and statistical data on accident rates for different age groups. Therefore, age can significantly impact the overall cost of insuring a Ford Escape, influencing how much you pay for coverage.
Driver Location
The location where you drive your Ford Escape significantly impacts your insurance premiums. Urban areas with higher traffic density and increased risk of accidents often lead to higher insurance costs due to the greater likelihood of claims.
In contrast, rural areas typically have lower premiums due to reduced accident rates and lower risk of theft. Additionally, regional factors such as weather conditions, crime rates, and local traffic laws can all influence insurance rates.
Therefore, where you live and drive your Ford Escape plays a key role in determining the overall cost of your coverage.
Your Driving Record
Your driving record is a crucial factor in determining the insurance cost for your Ford Escape. A clean driving history with no accidents or traffic violations demonstrates lower risk to insurers, potentially leading to better rates.
Conversely, a record with frequent infractions or claims can increase premiums, as it suggests a higher likelihood of future incidents. Insurance companies closely examine your driving history to assess risk and set rates accordingly, making it essential to maintain a safe driving record to manage your insurance costs effectively.
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Ford Escape Safety Features
Ford Escape safety features play a significant role in shaping your insurance premiums. The vehicle’s advanced safety technologies, such as adaptive cruise control, lane-keeping assist, and automatic emergency braking, contribute to lower insurance costs by reducing the risk of accidents and injuries.
Insurance companies favor vehicles equipped with these features because they enhance driver and passenger safety, ultimately leading to fewer claims and lower overall risk. Investing in a Ford Escape with these safety enhancements can result in more favorable insurance rates and greater peace of mind on the road.
Enhance your comprehension with our “Best Ford Fairlane Car Insurance.” Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.
5 Proven Strategies to Lower Your Ford Escape Car Insurance Premiums
You can save more money on your Ford Escape car insurance rates by employing any of the following five strategies.
- Your insurer can adjust your Ford Escape car insurance rates mid-term for various reasons.
- Apply for your full, unrestricted license as soon as you qualify.
- Don’t assume that insuring your Ford Escape is less expensive than insuring other vehicles.
- Inquire about usage-based insurance options for your Ford Escape.
- Avoid filing claims for minor incidents to keep your premiums down.
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When calculating insurance costs, remember that car insurance typically adds 10% to 12% to the total cost of ownership over four to five years. The Ford Escape is popular for its fuel efficiency, making it a cost-effective choice overall.
According to U.S. News & World Report, the Ford Escape ranks as the fifth most affordable compact SUV, based on an analysis of over 15 reviews and a comparison of 24 vehicles.
Driving an affordable vehicle will always work in the favor of consumers when they are trying to save on car insurance costs.
Gain deeper insights by perusing our article named “Top 10 Deadliest Vehicles in History.” To find Ford Escape car insurance quotes, just enter your ZIP code into our free car insurance comparison tool below.
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New Safety Features of the Ford Escape
The latest Ford Escape now includes advanced safety features as standard, enhancing both protection and potential insurance savings.
- Adaptive Cruise Control: Automatically adjusts speed based on traffic conditions.
- Automatic Emergency Braking: Helps prevent collisions by applying brakes when necessary.
- Lane-Keeping Assist: Alerts drivers if they drift out of their lane.
- Blind-Spot Monitoring: Provides warnings for vehicles in the blind spots.
- Advanced Safety Technology: Enhances overall vehicle safety and may influence insurance premiums.
How Safety Ratings Impact Ford Escape Insurance Costs
Car insurance discounts are available, but comparing quotes online is the most effective way to find the best Ford Escape insurance. The Ford Escape’s solid safety ratings, including the NHTSA’s four out of five stars and strong marks from the IIHS and HLDI, could potentially help lower your insurance costs.
Insurers often factor in these safety ratings when setting premiums, making it beneficial to highlight these features when shopping for coverage. Additionally, newer models with high safety ratings might be eligible for better insurance rates due to their improved crashworthiness and safety technology.
State Farm delivers exceptional value with its top-tier rates and coverage for Ford Escape owners.
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Frequently Asked Questions
What factors most influence the cost of insurance for a Ford Escape?
Driver’s age, location, driving history, and the specific model and trim level of the Ford Escape are major factors influencing insurance costs. Discover a wealth of knowledge in our “Best Ford Edge Car Insurance.”
How do safety features in the Ford Escape impact my insurance rates?
Advanced safety features like adaptive cruise control and lane-keeping assist can lower your insurance rates by reducing the risk of accidents.
Which company offers the most affordable insurance for a Ford Escape?
State Farm is highlighted as the most affordable option, with rates starting at $80 per month. Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code.
Are there specific discounts available for insuring a Ford Escape?
Yes, discounts for safe driving, multi-policy bundling, and safety features are commonly available for Ford Escape insurance. Expand your understanding with our “Best Ford Explorer Car Insurance.”
How does the model year of a Ford Escape affect insurance premiums?
Newer models often have higher premiums due to their higher market value, while older models may be cheaper but could cost more to repair.
What strategies can I use to lower my Ford Escape insurance rates?
Comparing quotes, maintaining a clean driving record, choosing higher deductibles, and bundling policies are effective strategies.
Does the location where I live affect the insurance cost for my Ford Escape?
Yes, living in urban areas with high traffic can increase rates, while rural areas typically have lower premiums. Gain deeper insights by exploring our “Best Ford Expedition Car Insurance.”
How does my driving record impact the cost of insuring my Ford Escape?
A clean driving record can lead to lower rates, while a history of accidents or traffic violations may increase premiums.
Why might Ford Escapes be more expensive to insure than other vehicles?
Factors like repair costs, theft rates, and the specific safety features of the Ford Escape can contribute to higher insurance premiums. By entering your ZIP code, you can get instant car insurance quotes from top providers.
What is the best insurance provider for military personnel driving a Ford Escape?
USAA is recommended as the best provider of military-grade coverage. Explore further details in our “Best Ford Ranger Car Insurance.”
How can I compare different insurance quotes for my Ford Escape?
You can use online comparison tools by entering your ZIP code to view and compare quotes from various companies.
Does my age influence the insurance rates for a Ford Escape?
Yes, younger drivers typically face higher premiums, while older, more experienced drivers may benefit from lower rates.
What is the role of a car’s safety ratings in determining insurance costs?
High safety ratings can lead to lower insurance premiums as they indicate a reduced risk of injury in accidents. Dive deeper into our “Best Ford Focus Car Insurance” for a comprehensive understanding.
Are there loyalty rewards available for insuring a Ford Escape with the same company over time?
Yes, American Family is noted for offering the best loyalty rewards for long-term customers.
How does the trim level of a Ford Escape impact insurance costs?
Higher trims with more advanced features or powerful engines often result in higher insurance premiums.
What are the pros and cons of choosing State Farm for Ford Escape insurance?
Pros include affordable rates and comprehensive coverage, while cons might include limited discounts compared to other providers. Delve into the depths of our “Best Ford F-150 Car Insurance” for additional insights.
Can I get a discount on my Ford Escape insurance by installing anti-theft devices?
Yes, many insurance providers offer discounts for vehicles equipped with anti-theft devices.
How does the age of my Ford Escape affect its insurance rates over time?
As the vehicle ages, its value depreciates, which can lower insurance costs, though other factors like repair costs might offset this. Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code into our free comparison tool to see rates in your area.
What are the most common discounts offered by insurers for Ford Escape owners?
Common discounts include those for safety features, good driving records, and bundling multiple policies. Uncover more about our “Best Ford Fiesta Car Insurance” by reading further.
Is it worth investing in advanced safety features for my Ford Escape to reduce insurance costs?
Yes, investing in safety features can significantly lower your premiums and provide better protection on the road.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
