Finding affordable coverage for a Ford Escape in Arizona is pretty easy for most people, but it depends on a lot of factors such as how far you commute, what you do for a living, and citations or violations on your driving record. Drivers will pay around $951 a year for Escape insurance, but that figure is an approximation based upon a 40-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
This brings up the issue that more than likely you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you have a speeding ticket or two that will increase rates. Just a very minor change in rating factors or requested coverage amount can make a large difference in the cost of insuring your Escape.
Insurance is an individual thing, so the only way to find cheap insurance prices for your Ford is to do the rate comparisons yourself.
The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price you pay to insure a Escape XLS 2WD will be $128 lower than the insurance cost for the more costly Escape Limited 4WD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $220 | $440 | $308 | $18 | $92 | $1,078 | $90 |
| Escape XLS 4WD | $220 | $440 | $308 | $18 | $92 | $1,078 | $90 |
| Escape XLT 2WD | $220 | $440 | $308 | $18 | $92 | $1,078 | $90 |
| Escape Limited 2WD | $252 | $440 | $308 | $18 | $92 | $1,110 | $93 |
| Escape XLT 4WD | $252 | $440 | $308 | $18 | $92 | $1,110 | $93 |
| Escape Limited 4WD | $252 | $536 | $308 | $18 | $92 | $1,206 | $101 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in zip code location which can raise or lower coverage prices substantially.
Finding good, cost effective insurance is easier said than done, and figuring out which companies have the cheapest insurance rates for a Ford Escape will take even more work.
Each insurance company has a unique approach to determine premium rates, so we need to take a look at the insurance companies that tend to be cheaper in Arizona. It’s important to know that Arizona insurance rates are impacted by many factors that can increase the price you pay. Simply turning a year older, increasing liability limits, or getting a speeding ticket can trigger changes in premium that can now make some companies cheaper than others.
Find the Cheapest Car Insurance for Your Escape
The Hartford generally has some of the lowest car insurance rates in Phoenix at around $836 annually. This is $592 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also qualify as some of the more affordable Phoenix, AZ auto insurance companies.
In the rate table above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you could earn an annual premium reduction of around $88. Policyholders with Travelers may save as much as $250 a year, and USAA policyholders might lower prices by $288 a year.
To see if you’re overpaying, click here or feel free to get quotes from the companies below.
Bear in mind that those prices are averaged across all drivers and vehicles in Arizona and are not factoring in a vehicle location for a Ford Escape. So the company that is best suited for you may not even be in the top 28 companies shown above. That affirms the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.
The illustration below shows how different deductible levels can impact insurance costs when searching for cheap insurance for a Ford Escape. The premiums assume a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could lower rates by $286 a year by switching from a $100 deductible up to a $500 deductible, or save $430 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could possibly save as much as $724 annually just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have additional savings on hand to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
Discount Phoenix car insurance
Auto insurance companies that provide policies for a Ford Escape may provide discounts that can lower rates by as much as 40% or more if you can meet the requirements. Popular insurance companies and their offered discounts can be read below.
- GEICO may have discounts that include anti-lock brakes, daytime running lights, membership and employees, multi-policy, and driver training.
- Travelers has savings for new car, student away at school, IntelliDrive, home ownership, hybrid/electric vehicle, save driver, and driver training.
- Farm Bureau policyholders can earn discounts including driver training, youthful driver, multi-policy, safe driver, 55 and retired, multi-vehicle, and renewal discount.
- Liberty Mutual discounts include new move discount, hybrid vehicle, new vehicle discount, multi-policy, safety features, multi-car, and newly married.
- American Family may offer discounts for air bags, early bird, defensive driver, Steer into Savings, good student, accident-free, and good driver.
- Progressive may include discounts for online quote discount, continuous coverage, online signing, multi-policy, and good student.
The example below shows the comparison of yearly insurance costs with and without discounts applied to the premium. The data is based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, vehicle safety, homeowner, anti-theft, defensive driving course, and safe-driver discounts applied. With discounts applied, theaverage amount saved on insurance for a Ford Escape is 28% or $335.
How to find economical car insurance for a Ford Escape
Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help Arizona drivers locate cheap coverage.
- Increase physical damage deductibles
- Try paying for small claims out-of-pocket
- Do not get tickets or violations
- Avoid accidents and claims
- Older vehicles may not need full coverage
- Compare rates often to find the best deal
That last piece of advice is particularly crucial, as was discussed in the article above. Car insurance rates vary considerably, so drivers shouldn’t hesitate to buy from a new company if a lower-cost policy is available. We understand brand loyalty, but we do not recommend it if that devotion results in you overpaying hundreds of dollars a year. In just a few minutes you could compare rates to find cheaper car insurance for a Ford Escape in Phoenix.