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Cheapest Insurance Quotes for a Ford Escape in New York

Enter your New York zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 11, 2019

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Your ability to find cheaper car insurance for a Ford Escape in New York is contingent on many rating criteria like whether you are married, your credit score, and whether or not you are a good driver. New York drivers on average pay approximately $840 annually to buy insurance for a Ford Escape, but that rate is a ballpark figure calculated based on a 40-year-old single male with full physical damage coverage and $100 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not 40 and possibly not even male, possibly married instead of single, or you have a violation or two on your driving record. Every driver’s needs are different, and that is why the best way to find affordable rates for your Ford is to do your own rate comparisons. Rate quotes are easy and you will receive prices from top-rated car insurance companies available.

Enter your zip code below to view companies that have cheap auto insurance rates.

The trim level of your Escape will influence the cost of insurance, so the cost to insure a Escape XLS 2WD model will be $116 less expensive the cost to insure the higher-priced Escape Limited 4WD trim level, as shown by the rates below.

Ford Escape Insurance Rates in New York
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $194 $388 $272 $16 $82 $952 $79
Escape XLS 4WD $194 $388 $272 $16 $82 $952 $79
Escape XLT 2WD $194 $388 $272 $16 $82 $952 $79
Escape Limited 2WD $224 $388 $272 $16 $82 $982 $82
Escape XLT 4WD $224 $388 $272 $16 $82 $982 $82
Escape Limited 4WD $224 $474 $272 $16 $82 $1,068 $89
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate information does not factor in New York location which can influence rates significantly.

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Buying coverage from the right car insurance company can be challenging considering how many companies there are to choose from in New York. The information in the lists below can help you choose which car insurance companies you want to consider shopping your coverage with. These ratings are only made up of companies that write coverage in many states, so companies that have a smaller presence are not factored into these rankings.

Top 10 Large Auto Insurers in New York Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. GEICO
  5. State Farm
  6. Nationwide
  7. Allstate
  8. The General
  9. The Hartford
  10. 21st Century

Top Companies for Ford Escape Insurance in New York

Enter your zip code below to view companies that have cheap auto insurance rates.

The information below highlights how deductible selection can influence yearly insurance costs when researching cheap insurance for a Ford Escape. The premiums assume a single male driver, full physical damage coverage, and no policy discounts are applied.

The chart above illustrates that a 30-year-old driver could reduce rates by $244 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $368 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices $714 or more by using a higher deductible.

When increasing deductibles, it will be required to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Discounts on the cheapest insurance for a Ford Escape in New York

Save on car insurance for an Escape in New YorkInsurers that provide policies for a Ford Escape may also provide policy discounts that can lower rates by 35% or more if you meet specific eligibility requirements. Popular car insurance companies and some of the premium reductions they offer can be found below.

Car Insurance Discounts Available
Discount Progressive Allstate State Farm Geico Nationwide
Bundled policies Yes Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes No
Air bags No Yes Yes Yes Yes
Newer vehicle No Yes Yes No Yes
Green vehicle No Yes No No No
No accidents Yes Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes Yes
Military Yes No Yes Yes No
Occupational No No No Yes Yes
Pay in full Yes Yes No Yes Yes
Paperless billing Yes Yes No Yes Yes
Customer loyalty Yes No Yes No Yes
Good student Yes Yes Yes Yes Yes
Student at college Yes Yes Yes No Yes
Own home Yes No No No No
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The diagram below illustrates the comparison of insurance premiums with and without discounts. The premium estimates are based on a male driver, no claims or driving violations, New York state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, multiple vehicle, multiple policy, homeowner, claim-free, and accident-free discounts applied. In this example, the average savings per year on car insurance for a Ford Escape is % or $.

Allstate, Progressive, State Farm, or Geico: Who is cheapest?

When shopping around for insurance for an Escape in New York, the companies that insure more vehicles than anyone else are Allstate, Progressive, State Farm, and Geico. When combined, they make up almost 50% of all auto insurance written. The following table ranks price, claims, and customer service ratings, as well as some optional coverages .

Top Four Car Insurance Companies Compared
Allstate Progressive State Farm Geico
Overall Satisfaction 2nd 3rd 4th 1st
Claims Service 1st 4th 2nd 3rd
Overall Price 4th 3rd 2nd 1st
Discounts Offered 1st 4th 3rd 2nd
Customer recommendation 86% 88% 88% 87%
Roadside service Yes Yes Yes Yes
Rate for vehicle usage Yes Yes Yes No
Uber and Lyft insurance Yes Yes Yes Yes
Mechnical breakdown No Yes No Yes
New car replacement insurance Yes No No No
Accident forgiveness coverage Yes Yes No Yes
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