Who Has Cheap Insurance Quotes for a Ford Escape in Virginia?
Enter your Virginia zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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When writing about car insurance, the words “affordable” or “cheap” should never be used anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap car insurance for a Ford Escape can seem impossible to find. But don’t let us ruin your dream, because we will tell you how you can still get auto insurance that is more affordable than your current policy.
Your odds of finding affordable insurance for a Ford Escape in Virginia is dependent upon a complicated rating formula that uses factors like your vehicle’s safety rating, if you have a coverage lapse, and if you have tickets or violations. Drivers in Virginia pay around $580 every 12 months for Escape insurance, but that cost is rating a 30-year-old married female driver that included full coverage and $500 physical damage deductibles.
Most likely you may not be 30 years old (or even female), single instead of married, or maybe your Escape doesn’t need comprehensive and collision coverage. Auto insurance is not the same for everyone, so the best way to find affordable rates for your Ford is to compare as many rates as you can.
Your vehicle’s trim level will influence the annual cost of coverage, so the cost to insure a Escape XLS 2WD model will be $66 lower than the cost to insure the higher-priced Escape Limited 4WD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$136||$218||$224||$14||$66||$658||$55|
|Escape XLS 4WD||$136||$218||$224||$14||$66||$658||$55|
|Escape XLT 2WD||$136||$218||$224||$14||$66||$658||$55|
|Escape Limited 2WD||$156||$218||$224||$14||$66||$678||$57|
|Escape XLT 4WD||$156||$218||$224||$14||$66||$678||$57|
|Escape Limited 4WD||$156||$264||$224||$14||$66||$724||$60|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in zip code location which can influence premiums greatly.
Buying cheap auto insurance is not most people’s favorite thing to do, and determining which companies offer the cheapest auto insurance rates for a Ford Escape takes a little more work. Each auto insurer uses different criteria to set their prices, so to begin we’ll rank the most competitive auto insurance companies in Virginia.
It’s important to understand that Virginia auto insurance rates are based on many factors that can increase the policy price. Things like having a birthday, moving to a different location, or getting a few speeding tickets can trigger rate changes that can cause some rates to be cheaper than before.
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$834|
|15||National Grange Mutual||$1,093|
|Find Your Rate Go|
Travelers may have some of the most affordable car insurance rates in Virginia at around $673 per year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners would also make the list of some of the more affordable Virginia car insurance companies.
As shown in the table above, if you are currently insured with Penn National and switched to Travelers, you may see annual savings of upwards of $75. Virginia drivers with Cincinnati Insurance may save as much as $82 a year, and Auto-Owners customers might see rate reductions of $108 a year.
To see if your current coverage is too expensive, click here to start your free quote or visit any of the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Bear in mind that those rates are averages for all drivers and vehicles and and are not figured with a specific rating modification for a Ford Escape. So the insurer that fits you best may not even be included in the rate chart shown above. That’s why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
The diagram below highlights how deductible selection can affect premium costs when searching for cheap insurance for a Ford Escape. The information is based on a married male driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 40-year-old driver could reduce rates by $214 a year by changing from a $100 deductible to a $500 deductible, or save $322 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, could save as much as $716 or even more just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Which major car insurance company is best?
If you are looking for the best insurance for an Escape in Virginia, probably the best companies to start with are Geico, Progressive, Allstate, and State Farm. The next table compares ratings for price and service, as well as some optional coverages that are available for customers.
|Number of Discounts||2nd||4th||1st||3rd|
|Percent of customers who recommend||87%||88%||86%||88%|
|A.M. Best rating||A++||A+||A+||A++|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|Accident forgiveness coverage||Yes||Yes||Yes||No|
|New car replacement insurance||No||No||Yes||No|
|Rate for vehicle usage||No||Yes||Yes||Yes|
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