Cheap Insurance Quotes for a Ford Escape in Missouri

Cheap Insurance Quotes for a Ford Escape in Missouri

The chances of buying cheaper auto insurance for a Ford Escape in Missouri depends upon a complex equation that considers factors such as if you are a renter or homeowner, if you have ever let your coverage lapse, and blemishes on your driving record. Drivers will pay on average $670 each year to insure a Ford Escape, but that price is an estimate using cost data for a 30-year-old single female that has full comprehensive and collision coverage and $1,000 physical damage deductibles.

It’s more than likely you are not 30 and maybe not even a female, possibly married instead of single, or maybe you are just looking for cheap liability insurance. There is no one cookie-cutter policy that works for everyone, so the only real way to find the cheapest coverage for your Ford is to shop around at every renewal for lower rates. It only takes a couple of minutes and you will be able to compare rates from some of the most affordable companies in Missouri.

Cheapest Ford Escape Insurance Rates

The trim level of your Ford tends to have a direct impact on the coverage cost, so the price you pay to insure a Escape XLS 2WD model will be $68 less expensive the insurance cost for the more expensive Escape Limited 4WD version, as shown by the rates below.

Ford Escape Insurance Rates in Missouri
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $122 $220 $306 $18 $92 $758 $63
Escape XLS 4WD $122 $220 $306 $18 $92 $758 $63
Escape XLT 2WD $122 $220 $306 $18 $92 $758 $63
Escape Limited 2WD $142 $220 $306 $18 $92 $778 $65
Escape XLT 4WD $142 $220 $306 $18 $92 $778 $65
Escape Limited 4WD $142 $268 $306 $18 $92 $826 $69
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in your specific Missouri location which can impact coverage prices noticeably.

Missouri insurance company ratings

Ending up with a high-quality insurance provider can be a challenge considering how many companies sell insurance in Missouri. The ranking information displayed below could help you analyze which auto insurance companies you want to consider when comparing auto insurance rates for a Ford Escape. The ratings below are for large, nationwide insurance companies, so companies with more of a regional focus are not included in the list.

Top 10 Major Car Insurance Companies in Missouri Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

Top 10 Major Car Insurance Companies Overall in Missouri

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top Companies for Ford Escape Insurance in Missouri

The diagram below demonstrates how deductible levels can raise or lower insurance costs when searching for cheap insurance for a Ford Escape. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

In the chart above, a 40-year-old driver could cut expenses by $194 a year by switching from a $100 deductible to a $500 deductible, or save $294 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, have the ability to save $638 annually by selecting a higher deductible. If you do raise deductibles, it will be required to have spare funds to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Tickets and at-fault accidents raise rates

The ideal way to maintain affordable insurance premiums for an Escape is to drive carefully and avoid tickets and accidents. The chart below shows how traffic citations and at-fault accidents impact auto insurance rates for different age groups of insureds. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of an auto insurance policy in Missouri per year with no violations or accidents is $1,231. Add in two speeding tickets and the average cost rises to $1,698, an increase of $467 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Ford Escape jumps again to an average of $3,378. That’s an increase of $2,146, or $179 per month, just for not being more responsible behind the wheel!

Company comparison: State Farm vs Allstate vs Progressive vs Geico

When researching insurance for an Escape, the four most popular companies are State Farm, Allstate, Progressive, and Geico. The table below rates ratings for price and service, as well as some optional coverages that are available for buyers.

Largest U.S. Car Insurance Company Ratings
State Farm Allstate Progressive Geico
Claims Service 2nd 1st 4th 3rd
Customer Satisfaction 4th 2nd 3rd 1st
Overall Price 2nd 4th 3rd 1st
Discounts Available 3rd 1st 4th 2nd
Roadside service Yes Yes Yes Yes
Breakdown insurance No No Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Accident forgiveness No Yes Yes Yes
New car replacement coverage No Yes No No
Usage-based rating Yes Yes Yes No
Offered in Missouri Yes Yes Yes Yes
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