Finding affordable coverage for a Ford Escape in Texas is usually pretty straightforward, but it relies on a lot of different factors such as how safe your vehicle is, your occupation, and blemishes on your driving record. Drivers in Texas pay approximately $1,333 annually for Escape insurance, but that amount is an estimation using a 30-year-old single female driver with full coverage and $100 deductibles.
There's a high likelihood you aren't exactly 30 years old or even a female, maybe you are married instead of single, or maybe you just want liability only instead of full coverage. Just a minor difference in rating variables can result in a large change in the cost of insurance for a Ford Escape.
Not everyone needs the same coverages, so the best method for finding cheap auto insurance rates for your Ford is to do a thorough rate comparison. Comparing quotes is easy and you will receive prices from the cheapest companies in Texas.
The trim level of your vehicle tends to impact the insurance rate, so the rate you will pay to insure a Escape XLS 2WD trim level will be $176 less expensive the insurance cost for the higher-end Escape Limited 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$318||$598||$438||$26||$130||$1,510||$126|
|Escape XLS 4WD||$318||$598||$438||$26||$130||$1,510||$126|
|Escape XLT 2WD||$318||$598||$438||$26||$130||$1,510||$126|
|Escape Limited 2WD||$364||$598||$438||$26||$130||$1,556||$130|
|Escape XLT 4WD||$364||$598||$438||$26||$130||$1,556||$130|
|Escape Limited 4WD||$364||$728||$438||$26||$130||$1,686||$141|
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in vehicle garaging location which can influence coverage prices greatly.
Deciding which company quotes the most affordable car insurance rates for a Ford Escape will take a little more effort than just comparing a company or two. Each insurance company has their own formula for determining rates, so we need to take a look at the overall cheapest car insurance companies in Dallas, TX.
Lowest Insurance Price Quotes for Your Escape
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers may offer some of the most affordable car insurance rates in Dallas at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable Dallas, TX auto insurance companies.
As shown in the table above, if you have coverage with USAA and switched to Travelers, you might see an annual savings of about $63. Texas drivers with Texas Farm Bureau might save as much as $178 a year, and Germania Mutual insureds might lower prices by up to $223 a year.
To compare your rates to other Texas insurance companies, click here to begin a quote or visit any of the low-priced companies below.
Be aware that those policy rates are averages across all insureds and vehicles and and are not figured with a specific location for a Ford Escape. So the company that fits your needs best may not even be in the top 23 companies shown above. That underscores the importance of why you need to get rate quotes using your own personal information and vehicle type.
How accidents and tickets impact rates
The obvious way to score affordable car insurance rates in Dallas for an Escape is to pay attention while driving and not get tickets or have accidents. The diagram below shows how speeding tickets and at-fault claims raise premium costs for each age group. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,067. Add in two speeding tickets and the average cost hikes up to $2,783, an increase of $715 each year. Now get two accidents along with the two speeding tickets and the yearly cost of car insurance for a Ford Escape goes up to an average of $5,316. That's an increase of $3,248, or $271 per month, just for being a less-than-perfect driver!
Get discounts on Dallas insurance rates
Insurance providers that offer quotes for a Ford Escape may also provide premium discounts that can reduce rates by as much as 35% if you meet specific criteria. Popular car insurance companies and the discounts they provide are outlined below.
- GEICO has savings for military active duty, good student, anti-theft, daytime running lights, and five-year accident-free.
- Travelers offers premium reductions for save driver, student away at school, new car, good student, hybrid/electric vehicle, multi-policy, and payment discounts.
- Nationwide has discounts for Farm Bureau membership, good student, multi-policy, easy pay, and family plan.
- Farmers Insurance may include discounts for distant student, switch companies, homeowner, multi-car, and good student.
- Esurance may offer discounts for anti-theft, online shopper, Pac-12 alumni, Switch & Save, defensive driver, and emergency road assistance.
- State Farm includes discounts for accident-free, defensive driving training, good student, multiple policy, and safe vehicle.
- Progressive offers discounts including online quote discount, homeowner, continuous coverage, multi-policy, and good student.
- Mercury Insurance policyholders can earn discounts including age of vehicle, annual mileage, professional/association, multi-car, accident-free, location of vehicle, and good driver.
The diagram below illustrates the difference between insurance prices with and without policy discounts. The rates are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, passive restraint, anti-theft, vehicle safety, multiple policy, and accident-free discounts applied. When discounts are factored in, the average amount saved each year on car insurance for a Ford Escape is 28% or $474.
Why you should be comparing rates
Dallas car insurance rates are calculated based on many things which can substantially change the cost of a policy. Improving your credit score, buying a different vehicle, or getting a ticket for careless driving may generate price changes resulting in some rates now being cheaper than competitors.
In addition to those changes, companies amend premium rates without warning to adjust for gains or losses. Larger than normal claims may cause additional premium costs, while profitable underwriting can cause cheaper Escape insurance rates.
For example, the data below analyzes the cheapest car insurance in Dallas, TX for a 45-year-old male driver with no prior claims, no tickets, and excellent credit. When quoting prices based on his personal risk profile, Travelers has the cheapest car insurance rates in Dallas at $1,299 per year. This is $605 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the top five cheapest Dallas, TX auto insurance companies.
Let's now give the driver from the first example a claim surcharge, less-than-perfect credit, and a speeding ticket. Because every insurance company has a proprietary method to set their prices, comparing quotes may now show a different set of affordable companies as shown below.
State Farm now has the best price on car insurance in Dallas with Mercury, USAA, Safe Auto, and Nationwide also being competitive. This example illustrates why it is critical to perform an extensive rate comparison to find the cheapest auto insurance rates for a Ford Escape.
Car insurance prices are made up of many factors and can increase or decrease at any time, so the best option the last time you shopped your coverage around may now be priced much higher than other options.
How to find budget-friendly insurance for a Ford Escape
The list below summarizes a few money-saving suggestions that can help Dallas drivers buy cheap coverage.
- Just one traffic violation will increase your rates
- Avoid preventable accidents
- Earn a discount by not filing claims
- Vehicles with good safety ratings are usually cheaper to insure
- Drivers with good credit ratings often pay less
- Compare rates and switch if you can find a better deal
The last item on the list is certainly valuable, as was pointed out in the prior article. Car insurance rates can be adjusted at any time, so you should be ready to buy a policy from a new company if a lower price can be found. Many drivers have brand loyalty and that's fine, but it's not recommended if that faithfulness ends up costing you a lot of money every month. If you have a few minutes, compare rates and find cheaper auto insurance for a Ford Escape in Dallas.