How Much Does Insurance Cost for a Ford Escape in Arizona?
Enter your Arizona zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 9, 2019
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Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” should never be used anywhere in the article as a descriptor for auto insurance rates. Sad but true, cheap auto insurance for a Ford Escape can seem impossible to find. But fear not, because we are going to tell you how you can find and buy coverage that is cheaper than what you have now.
Your ability to find cheaper car insurance for a Ford Escape in Arizona depends on a calculation that uses factors such as the safety features of your vehicle, the condition of your credit, and your choice of deductibles. Drivers in Arizona will pay on average $590 every 12 months for Escape insurance, but that is an estimation based on cost data for a 50-year-old married female driver who requires both comprehensive and collision coverage and $500 deductibles.
Chances are that you’re not a 50-year-old female, possibly single instead of married, or maybe you live in a different area as the quoted rates. Each driver has unique rating factors, so the only real way to find cheap insurance rates for your Ford is to regularly compare rates at renewal.
The specific trim level has an effect on the cost of insurance, so the rate you pay to insure a Escape XLS 2WD will be $68 cheaper than the insurance cost for the high end Escape Limited 4WD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$126||$214||$240||$14||$72||$666||$56|
|Escape XLS 4WD||$126||$214||$240||$14||$72||$666||$56|
|Escape XLT 2WD||$126||$214||$240||$14||$72||$666||$56|
|Escape Limited 2WD||$146||$214||$240||$14||$72||$686||$57|
|Escape XLT 4WD||$146||$214||$240||$14||$72||$686||$57|
|Escape Limited 4WD||$146||$262||$240||$14||$72||$734||$61|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium costs do not factor in specific location which can raise or lower insurance rates considerably.
Finding the top insurance provider is hard considering how many different insurance companies sell coverage in Arizona. The ranking data shown below can help you decide which providers you want to consider when comparing auto insurance rates for a Ford Escape.
These rankings are only comprised of companies that write coverage in many states, so companies with more of a regional focus are not factored into this list. If you would like to check rates and find the cheapest rates for a Ford Escape, click this link.
Top 10 Major Auto Insurers in Arizona Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Major Auto Insurers in Arizona Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top Companies for Ford Escape Insurance in Arizona
Enter your zip code below to view companies that have cheap auto insurance rates.
Get discounts on Arizona car insurance
Insurance companies that provide cheap insurance for a Ford Escape in Arizona may also provide special discounts that may potentially lower prices by as much as 40% or more if you qualify for them. A list of car insurance companies and some of the discounts are shown below.
|Daytime running lights||No||No||Yes||Yes|
|Defensive driving course||Yes||Yes||Yes||Yes|
|Paid in full||Yes||Yes||No||Yes|
|Student at college||Yes||Yes||Yes||No|
|Own a home||No||Yes||No||No|
|Use seat belts||No||No||No||Yes|
|Online rate quote||No||Yes||No||No|
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The information below compares car insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no accidents or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, homeowner, multiple vehicle, claim-free, safe-driver, and passive restraint discounts applied. In this example, the average savings per year on car insurance for a Ford Escape is 13% or $135.
The illustration below shows how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for a Ford Escape. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 40-year-old driver could save $256 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $388 by using a $1,000 deductible. Younger drivers, like the age 20 example, could lower their rates as much as $832 each year just by choosing larger deductibles.
When increasing deductibles, it will now be necessary to have enough savings to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Who is cheaper: State Farm, Geico, Allstate, or Progressive?
If you want reliable insurance for an Escape in Arizona, probably the best companies to start with are State Farm, Geico, Allstate, and Progressive. Combined they insure almost 50% of all auto insurance written. The table below ranks pricing and service ratings, plus some optional coverages that are available for policyholders.
|Number of Discounts||3rd||2nd||1st||4th|
|Amount of market share||18.3%||11.9%||9.7%||9.1%|
|Accident forgiveness coverage||No||Yes||Yes||Yes|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|New car replacement||No||No||Yes||No|
|Insurance Agents||Only from State Farm agents||Online or through a Geico agent||Can only buy from Allstate agents||Indpendent agents or online|
|Number of agents||18,000+||150+||11,000+||30,000+|
|Compare Prices Now Go|
Ideas for buying the cheapest car insurance for a Ford Escape
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help you quote low-cost coverage.
- Buy safe vehicles
- Avoid filing excessive claims
- Prevent rate increases by staying accident-free
- Improve your credit rating
- Avoid getting citations and tickets
- Compare quotes from other companies often
The final tip is certainly vital, as was affirmed in the prior information. Prices charged by auto insurers can be adjusted at any time, so don’t be unwilling to change to a new company if a lower-cost policy is available.
Being loyal to a particular company is commendable, but it’s not recommended if that loyalty results in overpaying hundreds of dollars year after year. It takes less than five minutes to compare prices and find cheaper auto insurance for a Ford Escape.
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