Buying affordable insurance for a Ford Escape is pretty easy to do, but it is dependent upon a very complex rating algorithm that uses multiple factors such as your marital status, your claims history, and your policy deductibles. Drivers in Texas pay approximately $856 per year to insure their Escape, but that price is an estimation using a 30-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
But there is a good chance that you may not be 30 years old (or even female), single instead of married, or maybe you have a speeding ticket or two that will increase rates. Having even a minor difference in rating criteria or coverage limits can make a large difference in the policy rate.
Auto insurance is not the same for everyone, so the best way to find cheap insurance rates for your Ford is to do your own rate comparisons.
Vehicle trim level impacts the yearly cost, so the price you will pay to insure a Escape XLS 2WD trim level will be $100 less than the insurance cost for the more costly Escape Limited 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $202 | $322 | $330 | $20 | $98 | $972 | $81 |
| Escape XLS 4WD | $202 | $322 | $330 | $20 | $98 | $972 | $81 |
| Escape XLT 2WD | $202 | $322 | $330 | $20 | $98 | $972 | $81 |
| Escape Limited 2WD | $232 | $322 | $330 | $20 | $98 | $1,002 | $84 |
| Escape XLT 4WD | $232 | $322 | $330 | $20 | $98 | $1,002 | $84 |
| Escape Limited 4WD | $232 | $392 | $330 | $20 | $98 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific zip code location which can influence coverage rates noticeably.
Deciphering which company offers the cheapest auto insurance rates for a Ford Escape requires more work in order to find the best policy.
Each insurer uses their own method to establish rates, so let’s look at the rankings for the auto insurance companies with the overall cheapest rates in Lubbock. It’s a good idea to be aware that Texas auto insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Simply improving your credit, buying higher coverage limits, or having an accident can cause premium changes that may make certain companies cheaper than competitors.
Best Cheap Insurance Rates for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,495 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,594 |
| Get a Custom Quote Go | ||
Travelers generally has some of the lowest car insurance rates in Lubbock at around $1,052 annually. This is $852 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheapest Lubbock, TX insurance companies.
In the rate table above, if you are insured with Esurance and switched to USAA, you could see yearly savings of roughly $295. Customers with California Casualty might save as much as $340 a year, and Mercury insureds might reduce prices by as much as $392 a year.
To find out how your current rates compare, click here to start your free quote or feel free to get quotes from the companies below.
Bear in mind that those estimates are averages across all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for a Ford Escape. So the company that has the lowest price for you may not even be in the top 23 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Types of discounts on Lubbock auto insurance
Auto insurance companies that sell policies for a Ford Escape may additionally offer policy discounts that could lower prices by as much as 30% if you meet certain criteria. A list of companies and some of the premium reductions they offer are outlined below.
- State Farm offers discounts including driver’s education, passive restraint, multiple policy, safe vehicle, student away at school, and anti-theft.
- GEICO offers discounts for good student, multi-policy, defensive driver, five-year accident-free, and driver training.
- Liberty Mutual discounts include multi-policy, new move discount, safety features, new graduate, teen driver discount, multi-car, and hybrid vehicle.
- The Hartford includes discounts for good student, air bag, anti-theft, driver training, and bundle.
- MetLife may include discounts for defensive driver, good driver, claim-free, good student, multi-policy, accident-free
- Progressive has savings for homeowner, online signing, multi-vehicle, multi-policy, good student, continuous coverage, and online quote discount.
The example below visualizes the comparison of insurance premiums with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, marriage, passive restraint, accident-free, safe-driver, and multiple policy discounts applied. When discounts are applied, theamount saved on auto insurance for a Ford Escape is 28% or $552.
Low rates can quickly become overpriced
Lubbock, TX auto insurance rates are impacted by many things that can increase the price of coverage. Simply having a birthday, adding a teenager to your policy, or getting caught speeding can trigger rate changes resulting in some rates now being cheaper in comparison to the competition. Not only may your situation change, but car insurance companies modify pricing at least once a year to ensure their profitability. Higher than normal claim frequency or severity can result in increased policy costs, while profitable underwriting can produce cheaper Escape insurance rates.
For example, the bar chart below shows the company with the cheapest car insurance in Lubbock, TX for a 35-year-old male driver with no accidents or violations, and great credit. If we estimate rates based on his current risk profile, Travelers has the cheapest car insurance rates in Lubbock at $1,165 per year. This is $739 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the best Lubbock, TX auto insurance companies.
Now let’s give the driver in the first chart a claim or two, slightly worse credit, and a speeding citation. Due to the fact that each insurance company has their own guidelines for determining rates in each state, comparing insurance quotes may now show a substantially altered list of affordable companies as shown below.
State Farm now has the cheapest rate in Lubbock with Mercury, Safe Auto, Nationwide, and USAA also being competitive. This shows why it is critical to do a thorough rate comparison to find affordable insurance quotes for a Ford Escape. Auto insurance prices can be determined by many factors and can change substantially, so the lowest-price company the last time you shopped around may now be quite expensive.
How to find more affordable insurance for a Ford Escape
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help you locate more affordable car insurance.
- Do not get traffic violations
- Prevent rate increases by staying accident-free
- Increase deductibles to save money
- Safe vehicles generally have lower rates
- Higher credit scores may earn you cheaper rates
- Do not pay for full coverage if not needed
- Compare prices as often as possible
That final tip is highly critical, as was affirmed in this write-up. Car insurance prices in Lubbock adjust frequently, so don’t be tentative to change to a new company if you find a better deal.
Having a favorite company is fine, but it’s not a good idea if that loyalty results in overpaying a fortune every year. In just a few minutes you could shop around and find cheaper auto insurance for a Ford Escape.
If you like to get some professional advice when shopping around for cheaper insurance for a Ford Escape, the agents shown below can probably help you determine which policy is best. To locate an agency near you, click the link at the bottom or click here to compare price quotes now.
Bledsoe Insurance Agency
5143 69th St – Lubbock, TX 79424 – (806) 794-8686
Jason Grisham – State Farm® Insurance Agent
1102 Slide Rd, 33 – Lubbock, TX 79416 – (806) 793-3101
Cam Fannin Insurance
1810 50th St – Lubbock, TX 79412 – (806) 747-4422
Hettler Insurance Agency
4432 S Loop 289 – Lubbock, TX 79414 – (806) 798-7800
Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555