Ford Escape insurance cost image courtesy of QuoteInspector.com
Finding affordable auto insurance for a Ford Escape in California is dependent upon an enormous amount of factors such as your gender, where your vehicle is garaged, and citations on your driving record. Drivers in California will pay around $991 each year for Escape insurance, but that is a projection calculated using a 50-year-old married male driver with full coverage and $250 deductibles.
The problem with using this number is the good chance you are not 50 and maybe not even a male, you might be single instead of married, or maybe you prefer liability limits higher than required by California state law. Even a minor difference in the rating criteria used to formulate rates could end up with a large change in the policy rate.
Auto insurance is not the same for everyone, so the only real way to find cheap insurance rates for your Ford is to compare as many rates as possible.
Compare Ford Escape Insurance Rates
The specific model of Escape will likely have an effect on the annual cost of coverage, so the price you pay to insure a Escape XLS 2WD trim level will be $122 less than the price to insure the fancier Escape Limited 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $232 | $402 | $360 | $22 | $108 | $1,124 | $94 |
| Escape XLS 4WD | $232 | $402 | $360 | $22 | $108 | $1,124 | $94 |
| Escape XLT 2WD | $232 | $402 | $360 | $22 | $108 | $1,124 | $94 |
| Escape Limited 2WD | $266 | $402 | $360 | $22 | $108 | $1,158 | $97 |
| Escape XLT 4WD | $266 | $402 | $360 | $22 | $108 | $1,158 | $97 |
| Escape Limited 4WD | $266 | $490 | $360 | $22 | $108 | $1,246 | $104 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in vehicle location which can increase or decrease prices noticeably.
Finding good, cost effective auto insurance is easier said than done, and deciding which company offers the most affordable insurance rates for a Ford Escape will require a little more work.
Each auto insurance company uses their own method to set premium rates, so first we will examine the insurance companies with the most affordable rates in California. We do need to point out that Stockton, CA insurance rates are influenced by many factors that can increase the price you have to pay. Improving your credit score, buying a higher-value vehicle, or getting a driving violation can trigger price changes that can cause some rates to be more affordable than others.
Find the Cheapest Auto Insurance for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,529 |
| 10 | Progressive | $1,542 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,556 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,705 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $2,006 |
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USAA may have some of the most affordable car insurance rates in Stockton at around $1,121 annually. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable Stockton, CA insurance companies.
As the rates illustrate above, if you buy coverage from Wawanesa and switched to USAA, you could realize an annual savings of about $60. California drivers with Century National might save as much as $93 a year, and CSAA customers might realize rate reductions of up to $101 a year.
To find the cheapest coverage for you, click here to get a free quote or click through to the companies below.
Remember that these prices are averages for all types of drivers and the different vehicles they drive and do not factor in a specific location for a Ford Escape. So the insurer that has the cheapest price for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
Cautious drivers save money
The easiest method to score the most affordable insurance prices in California for an Escape is to drive cautiously and avoid accidents and keep your driving record clean. The chart below illustrates how traffic citations and at-fault accidents can increase insurance premiums for different age groups of insureds. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $2,157. Factor in two speeding tickets and the average cost increases to $2,986, an increase of $829 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Ford Escape jumps again to an average of $5,924. That's an increase of $3,767, or $314 per month, just for a couple of infractions!
A good deal can quickly turn bad
Stockton insurance rates are calculated based on many things which can significantly increase or decrease the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting a ticket for running a stop sign may generate price changes that can cause some rates to be much cheaper than others. In addition to those changes, insurers amend premium rates as often as every quarter in order to protect their financial rating. Significantly higher losses can result in higher rates, while lower claim levels may cause lower-priced Escape insurance rates.
To illustrate this point, the graph below compares the cheapest car insurance in Stockton, CA for a 45-year-old male driver with a clean driving record, no accidents, and great credit. If we estimate prices based on his current rating profile, USAA may offer the lowest car insurance rates in Stockton at $1,370 each year. This is $281 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA round out the rest of the best Stockton, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a claim surcharge, a lower credit score, and a traffic ticket or two. Because each insurer has their own formula to establish rates, getting updated rate quotes may result in a different ranking of the cheapest companies as shown below.
Grange now has the best price on car insurance in Stockton, CA with Allstate, Progressive, GEICO, and Allied completing the list. This example proves why California drivers need to spend some time comparing rates to find the most affordable auto insurance quotes for a Ford Escape. Rates are determined by many things and change frequently, so the most economical option three years ago may now be costing you a lot of money.