Finding competitive car insurance for a Ford Escape in California is dependent upon a lot of different factors such as whether the vehicle is new, your address, and your driving record. California drivers will pay on average $900 each year for Escape insurance, but that figure is a valuation calculated based on a 50-year-old single female driver with full physical damage coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 50 years old (or even female), possibly married instead of single, or maybe you just want different deductibles. Even a slight change in the factors used in pricing a policy can result in a big discrepancy in policy price.
Having different needs demonstrates why the only way to find cheap insurance rates for your Ford is to just compare rates yourself.
The trim level of your vehicle will likely have an effect on the cost of coverage, so the rate you will pay to insure a Escape XLS 2WD will be $86 less than the insurance cost for the fancier Escape Limited 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$158||$292||$424||$26||$128||$1,028||$86|
|Escape XLS 4WD||$158||$292||$424||$26||$128||$1,028||$86|
|Escape XLT 2WD||$158||$292||$424||$26||$128||$1,028||$86|
|Escape Limited 2WD||$182||$292||$424||$26||$128||$1,052||$88|
|Escape XLT 4WD||$182||$292||$424||$26||$128||$1,052||$88|
|Escape Limited 4WD||$182||$354||$424||$26||$128||$1,114||$93|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rates do not factor in vehicle location which can impact premiums significantly.
Finding affordable car insurance is challenging, and finding out which companies quote the cheapest insurance rates for a Ford Escape involves even more shopping around. Each insurer has a proprietary method for determining prices, so we’ll go over the lowest cost insurance companies in California.
It’s important to understand that California insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Taking a driver safety course, moving to a new city, or having an accident can trigger changes in premium that can cause some rates to be way too expensive in comparison to the competition.
Best Auto Insurance Prices for Your Escape
|Rank||Company||Cost Per Year|
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USAA has some of the lowest car insurance rates in San Francisco at around $1,121 each year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheaper San Francisco, CA insurance companies.
In the above example, if you are a policyholder with Century National and switched to USAA, you might realize an annual premium reduction of approximately $69. Insureds with CSAA may save as much as $113 a year, and Nationwide customers might lower prices by up to $129 a year.
To get a fast rate comparison, click here to get quotes or quote rates from the companies below.
Be aware that those prices are averages for all drivers and vehicles and do not factor in a specific vehicle garaging location for a Ford Escape. So the auto insurance company that is best suited for you may not even be in the top 24 companies shown above. That point stresses why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
Difference between full coverage and liability only rates
Reducing premiums for insurance should be important to most drivers, and one of the quickest ways to buy cheap insurance for a Ford Escape is to only buy liability coverage. The example below visualizes the comparison of insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or driving citations, $500 deductibles, drivers are not married, and no policy discounts are applied.
If averaged out across all ages, comprehensive and collision coverage on your policy costs $2,075 per year more than insuring for liability only. A very common question is if it’s worth it to buy full coverage. There is no exact rule for eliminating comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your vehicle’s book value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $10,000 after the policy deductible has been paid. If you are currently paying more than $1,000 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Discounts on San Francisco car insurance
Insurance companies that offer cheap quotes for a Ford Escape could also offer special discounts that can reduce rates by as much as 30% if you qualify. A list of insurance companies and the discounts they provide are shown below.
- State Farm includes discounts for Steer Clear safe driver discount, good student, defensive driving training, good driver, passive restraint, and multiple autos.
- American Family discounts include air bags, TimeAway discount, early bird, Steer into Savings, multi-vehicle, and bundled insurance.
- AAA may have discounts that include education and occupation, good student, AAA membership discount, multi-policy, and anti-theft.
- GEICO offers discounts including multi-vehicle, emergency military deployment, defensive driver, membership and employees, daytime running lights, anti-lock brakes, and military active duty.
- Mercury Insurance offers premium reductions for multi-car, low natural disaster claims, good student, professional/association, good driver, and age of vehicle.
- Farmers Insurance may offer discounts for homeowner, pay in full, youthful driver, business and professional, electronic funds transfer, and early shopping.
- Progressive has discounts for homeowner, multi-policy, multi-vehicle, continuous coverage, online quote discount, good student, and online signing.
The chart below compares auto insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no tickets, no at-fault accidents, California 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 vehicle, accident-free, homeowner, anti-theft, multiple policy, and claim-free discounts applied. When drivers qualify for the discounts, theamount saved on insurance for a Ford Escape is 28% or $549.
Compare rates to save
San Francisco insurance rates are impacted by many things that will increase or decrease the policy premium. Simply having a birthday, increasing deductibles, or having an at-fault accident can trigger rate changes that may make certain companies cheaper than competitors.
Not only may things change on your end, but insurance companies change the rates they charge in California multiple times each year in order to remain profitable. Higher than usual claims can result in more expensive prices, while long-term profits can cause lower-cost Escape insurance rates.
The graph below shows a variety of companies that have the cheapest car insurance in San Francisco, CA for a 40-year-old female driver with a clear driving record, no claims, and great credit. When quoting prices based on her current risk profile, USAA might quote the cheapest car insurance rates in San Francisco at $1,537 each year. This is $114 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remaining cheapest San Francisco, CA auto insurance companies.
The next chart shows rates after we give the driver in the first chart a claim or two, a lower credit rating, and a stop sign violation. Since each auto insurance company has their own process to determine rates, comparing rates will most likely result in a slightly different list of affordable San Francisco car insurance companies as shown below.
Grange now has the best price on car insurance in San Francisco, CA with Progressive, Mercury, GEICO, and Allstate also having competitive pricing. This illustrates why it is critical to do a thorough rate comparison to find the lowest insurance rates for a Ford Escape.
Car insurance prices can be determined by many risk factors and change dramatically, so the cheapest option the last time you checked may now be one of the more expensive options.
How to find more affordable auto insurance for a Ford Escape
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help drivers locate low-cost car insurance.
- Increase the comprehensive and collision deductibles on your policy
- Higher credit ratings may save you money
- Drive safe vehicles
- Do not get traffic tickets
- Remove physical damage coverage on older vehicles
- Avoid accidents
- Compare prices frequently to find the best deal
The last tip in the list is extremely important, as was emphasized in this article. Prices charged by companies in San Francisco fluctuate constantly, so drivers shouldn’t hesitate to switch to a new company if a lower-cost policy is available.
Having a favorite company is great, but we do not recommend it if that loyalty ends up costing big bucks every year. In just a few minutes you could compare prices and find cheaper car insurance for a Ford Escape.
If you have coverage questions and would like to have a professional recommendation when trying to find lower insurance rates for an Escape, the professional agents shown below can aid you in deciding which coverages you need.
To locate an agency in your neighborhood, click the button at the bottom or click here to compare price quotes now.
- Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190
- Adrienne Ng – State Farm Insurance Agent
425 Market St #2252 – San Francisco, CA 94105 – (415) 292-8088
- Basic West Insurance Agency
1641 Taraval St – San Francisco, CA 94116 – (415) 665-7400
- Wilson Chan – State Farm Insurance Agent
25 Division St #200 – San Francisco, CA 94103 – (415) 593-8802