Best Cheap Insurance Quotes for a Ford Escape in California

Best Cheap Insurance Quotes for a Ford Escape in California

Your odds of finding the best cheap auto insurance for a Ford Escape in California is dependent upon a whole bunch of rating criteria such as age of the driver, if you have a lapse in coverage, and physical damage deductibles. Drivers pay on average $1,130 per year for Escape insurance, but that amount is a projection that uses rate data for a 30-year-old married male that wants full physical damage coverage and $250 deductibles.

There is a really good chance that you may not be 30 years old (or even male), possibly single instead of married, or maybe you’ve had an at-fault accident or two. What people think is a minor change in the factors used in pricing a policy can cause big changes in quoted rates.

This demonstrates why the most reliable method for finding cheap insurance prices for your Ford is to start the habit of comparing rates at least once a year. To start saving now, get free quotes and you will receive price comparisons from some of the most affordable companies that insure Ford vehicles in California.

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The specific trim level tends to impact the yearly cost, so the price you will be charged to insure a Escape XLS 2WD will be $148 cheaper than the price to insure the higher-priced Escape Limited 4WD version, as shown by the rates below.

Ford Escape Insurance Rates in California
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $298 $472 $376 $22 $112 $1,280 $107
Escape XLS 4WD $298 $472 $376 $22 $112 $1,280 $107
Escape XLT 2WD $298 $472 $376 $22 $112 $1,280 $107
Escape Limited 2WD $342 $472 $376 $22 $112 $1,324 $110
Escape XLT 4WD $342 $472 $376 $22 $112 $1,324 $110
Escape Limited 4WD $342 $576 $376 $22 $112 $1,428 $119
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in vehicle location which can change price quotes significantly.

California car insurance companies

Finding a high-quality insurer can be a challenge considering how many choices you have in California. The information in the lists below can help you select which companies to look at comparing rate quotes with.

The rankings below are only made up of large nationwide companies, so companies that focus mainly on California business are not included in the list. To get rate quotes from the most competitive companies in California, simply click here.

Top 10 Large Auto Insurance Providers in California Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top Companies for Ford Escape Insurance in California

Rate increases following a ticket or accident

The ideal way to earn the most affordable car insurance prices in California for an Escape is to drive attentively and not get tickets or have accidents. The diagram below shows how traffic citations and fender-benders influence yearly insurance costs for each age group. The data assumes a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of auto insurance in California per year with no violations or accidents is $1,978. Get written up for two speeding tickets and the average cost increases to $2,645, an increase of $667 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for a Ford Escape increases to an average of $3,314. That’s an increase of $1,336, or $111 per month, just for not maintaining a clean driving record!

The chart below shows how choosing a deductible can raise or lower insurance costs when quoting cheap insurance for a Ford Escape. The data is based on a married female driver, full physical damage coverage, and no other discounts are factored in.

The chart above illustrates that a 50-year-old driver could save $314 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $478 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could reduce their rates $784 each year just by choosing larger deductibles. When increasing deductibles, it will be important to have spare funds to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How to find low-cost insurance for a Ford Escape

The list below summarizes a few penny-pinching suggestions that can help California drivers quote more affordable car insurance.

  • Drive attentively and avoid accidents
  • Buying home and auto together can help save money
  • Lower rates by purchasing a safer vehicle
  • Avoid filing small claims
  • Do not get traffic citations
  • Remove physical damage coverage on older vehicles
  • Shop around for cheaper rates regularly

The last item on the list is notably critical, as we emphasized in the prior information. Auto insurance prices change a lot, so don’t be tentative to change insurance companies if a more affordable price is available.

Many drivers prefer to stick with one company, but it isn’t a good idea if your bullheadedness ends up costing you hundreds every year. If you have a few minutes, compare prices and find cheaper auto insurance for a Ford Escape.

Which car insurance company is best?

If you’re looking for the cheapest insurance for an Escape, four companies to take a look at are Allstate, Geico, Progressive, and State Farm. When combined, they have over 45% of the entire U.S. car insurance market. All of them offer liability and physical damage protection, but each on has a unique set of features, discounts, and options that may influence your choice. The following table illustrates some of the ratings and options that are available for buyers.

Largest Auto Insurance Company Ratings
Allstate Geico Progressive State Farm
Number of Discounts 1st 2nd 4th 3rd
Handling of Claims 1st 3rd 4th 2nd
Customer Satisfaction 2nd 1st 3rd 4th
Price Rank 4th 1st 3rd 2nd
Percent of U.S. market 10% 11.4% 8.8% 18.3%
Recommend by customers 86% 87% 88% 88%
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness Yes Yes Yes No
Breakdown insurance No Yes Yes No
New car replacement coverage Yes No No No
Rideshare coverage Yes Yes Yes Yes
Usage-based rating Yes No Yes Yes
Available in California Yes Yes Yes Yes
Where you can buy Allstate exclusive agents Both online and from Geico agents Indpendent agents or online Can only buy from State Farm agents
Number of agents 11,000+ 150+ 30,000+ 18,000+
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