Finding cheap car insurance for a Ford Escape is pretty simple, but it depends on lots of different rating factors such as annual vehicle mileage, whether you are claim-free, and your choice of physical damage deductibles. Drivers pay approximately $657 a year to insure their Escape, but that is an estimate calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 and maybe not even a male, you might be married instead of single, and maybe you want higher deductibles. Everyone has unique insurance needs, and this illustrates why the best method for finding the cheapest rates for your Ford is to compare as many rates as you can. In just a couple of minutes you will be able to see rates from top-rated companies that sell coverage in North Carolina.
The specific model of Escape will likely have an effect on the cost of coverage, so the rate you pay to insure a Escape XLS 2WD model will be $70 cheaper than the cost to insure the fancier Escape Limited 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $156 | $214 | $278 | $16 | $84 | $748 | $62 |
| Escape XLS 4WD | $156 | $214 | $278 | $16 | $84 | $748 | $62 |
| Escape XLT 2WD | $156 | $214 | $278 | $16 | $84 | $748 | $62 |
| Escape Limited 2WD | $178 | $214 | $278 | $16 | $84 | $770 | $64 |
| Escape XLT 4WD | $178 | $214 | $278 | $16 | $84 | $770 | $64 |
| Escape Limited 4WD | $178 | $262 | $278 | $16 | $84 | $818 | $68 |
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific zip code location which can revise coverage rates considerably.
Ending up with a high-quality auto insurance company can be rather challenging considering how many companies are available to choose from in Raleigh. The rank data listed below can help you choose which providers to look at to insure your vehicles. The rankings below are only made up of companies that insure vehicles across America, so companies that focus mainly on North Carolina business are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how choosing a deductible can raise or lower insurance costs when researching cheap insurance for a Ford Escape. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could lower their car insurance rates by $204 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $306 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, could lower their rates up to $504 or even more just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it is necessary to have enough spare savings to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Liability-only versus full coverage
Finding the cheapest insurance is important to most people, and one good way to buy cheap insurance for a Ford Escape is to only buy liability insurance. The information below shows the difference between car insurance costs when comparing full coverage to liability only. The information is based on no violations or claims, $500 deductibles, single marital status, and no discounts are factored in.
Averaged for all age groups, full coverage on your policy costs an additional $1,292 per year more than just buying liability insurance. At some point, almost every driver questions when is it a good idea to stop buying full coverage. There isn’t a steadfast formula to drop full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
Don’t stick with an overpriced policy
Raleigh, NC insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. Improving your credit score, buying a home, or getting a driving violation may prompt premium changes that can make some companies cheaper than competitors.
Not only that, but insurers file new North Carolina auto insurance rates without warning to adjust for gains or losses. Higher than normal claims may cause high rates, while lower claims can produce lower-priced Escape insurance rates.
For instance, the bar chart below analyzes the cheapest car insurance in Raleigh, NC for a 35-year-old male driver with a clean driving record, no accidents, and a good credit rating. If we estimate rates based on his current rating profile, Progressive might quote the most affordable car insurance rates in Raleigh at $739 a year. This is $133 less than the average premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National are the rest of the best Raleigh, NC auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example an at-fault accident, less-than-perfect credit, and an imperfect driving record. Since each auto insurer has their own process to set policy rates, comparing insurance quotes may now result in a new list of affordable Raleigh car insurance companies as shown below.
Titan now has the lowest car insurance rate in Raleigh, NC with State Farm, Auto-Owners, National General, and Utica National also having competitive pricing. This shows why it is critical to take the time to shop around when trying to find the cheapest auto insurance rates for a Ford Escape.
Rates are determined by many different factors and can increase or decrease at any time, so the cheapest rate the last time you compared rates may now be one of the higher cost companies.
If you have coverage questions and would like to get some professional advice when comparing insurance rates for a Ford Escape, the insurance agencies below can probably aid you in deciding which insurance coverage you need.
To find a Raleigh insurance agent closest to you, click the button at the bottom of the list.
Blackmon Insurance Agency of North Carolina, Inc.
4280 Louisburg Rd – Raleigh, NC 27604 – (919) 875-8500
Allstate Insurance: Brandon Reece
9204 Falls of Neuse Rd Ste 100 – Raleigh, NC 27615 – (919) 329-2580
Highsmith and Associates Insurance
3700 Glenwood Ave #430 – Raleigh, NC 27612 – (919) 878-9412
Karen Boone – State Farm Insurance Agent
5603 Creedmoor Rd – Raleigh, NC 27612 – (919) 782-6666
Nationwide Insurance: Michael E Okoli Agency Inc
309 W Millbrook Rd #151 – Raleigh, NC 27609 – (919) 786-1960
Find a Raleigh, NC insurance agent near you
How to find economical auto insurance for a Ford Escape
It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help North Carolina drivers get cheap auto insurance.
- Buying your home and auto policies from the same company can earn a discount
- Do not get into accidents that are your fault
- Buy safe vehicles
- Be a cautious driver
- Avoid filing small claims
- Ensure you have the best deal by shopping around regularly
The last tip in the list is notably important, as we pointed out in this piece. Prices charged by companies in Raleigh change frequently, so drivers shouldn’t hesitate to buy a different policy if a better rate can be found.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if your bullheadedness ends up costing you thousands of dollars over several years. Now is a great time to compare rates and find cheaper car insurance for a Ford Escape.