Buying affordable auto insurance for a Ford Escape depends on an enormous amount of factors such as age of the vehicle, your address, and any prior driving citations you have received. Arizona drivers pay on average $791 each year for Escape insurance, but that price is based upon a 30-year-old single male driver with full coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 30-year-old male, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. This demonstrates why the best way to find cheap insurance prices for your Ford is to just take the time to compare rates yourself.
The trim level of your vehicle will likely have an effect on the coverage cost, so the price you pay to insure a Escape XLS 2WD trim level will be $82 less expensive the price to insure the more costly 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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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in Tucson which can impact auto insurance rates significantly.
Comparing rates for cost effective insurance is difficult, and deciding which company offers the lowest-priced car insurance rates for a Ford Escape will involve even more perseverance.
Every car insurance company has a unique approach for setting rates, so first we will examine the lowest cost car insurance companies in Tucson.
Find the Cheapest Auto Insurance for Your Escape
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford quotes some of the best car insurance rates in Tucson at around $836 per year. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the cheapest Tucson, AZ insurance companies.
As shown in the rates above, if you currently have coverage with USAA and switched to The Hartford, you could earn yearly savings of about $244. Drivers with Travelers may save as much as $272 a year, and GEICO customers might see rate reductions of $295 a year.
To find the cheapest rates for your vehicle, click here or visit any of the low-priced companies below.
Understand that those prices are averaged across all insureds and vehicles and are not factoring in a specific zip code for a Ford Escape. So the auto insurance company that can offer you the lowest price may not even be in the list above. That point stresses why you need to get quotes using your own personalized driver profile and vehicle information.
Types of discounts on Tucson insurance rates
Insurance providers that sell policies for a Ford Escape may provide special discounts that may potentially lower prices by 40% or more if you meet specific criteria. A few popular companies and a selection of discounts can be read below.
- State Farm discounts include defensive driving training, anti-theft, good driver, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, and driver’s education.
- GEICO may offer discounts for military active duty, air bags, multi-vehicle, five-year accident-free, multi-policy, emergency military deployment, and driver training.
- Liberty Mutual offers discounts for new vehicle discount, good student, multi-policy, new graduate, and teen driver discount.
- The Hartford may have discounts that include vehicle fuel type, air bag, anti-theft, bundle, good student, defensive driver, and driver training.
- MetLife may include discounts for good student, multi-policy, claim-free, defensive driver, good driver, and accident-free.
- Progressive has discounts for good student, continuous coverage, online quote discount, multi-vehicle, homeowner, and multi-policy.
The illustration below shows the comparison of yearly insurance costs with and without discounts. The rate quotes are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, claim-free, safe-driver, marriage, multiple policy, and multiple vehicle discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Ford Escape is 27% or $484.
The illustration below highlights how deductible selection can raise or lower annual premium costs when quoting cheap insurance for a Ford Escape. Data assumes a married male driver, full coverage, and no additional discounts are factored in.
A 40-year-old driver could save $218 a year by increasing from a $100 deductible to a $500 deductible, or save $330 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old example, could roll back prices as much as $720 or even more just by choosing larger deductibles. When using a larger deductible, it will be necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense associated with higher deductibles.
How much more does full coverage cost in Tucson?
Reducing the cost of car insurance is important to the majority of vehicle owners, and one common way to save on the cost of insurance for a Ford Escape is to not pay for full coverage. The chart below illustrates the comparison of yearly insurance costs with and without physical damage coverage. The premiums assume no claims or violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
If we average all the age groups together, full coverage costs $1,745 per year more than insuring for liability only. That proposes the question if full coverage is worth the money. There isn’t a steadfast formula for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.