Best Cheap Insurance for a Ford Escape in Maryland

Your odds of finding cheaper coverage for a Ford Escape in Maryland is dependent upon many factors such as whether you are single or married, whether you have good credit, and any driving offenses on your record. Drivers in Maryland pay on average $1,150 every 12 months to buy insurance for a Ford Escape, but that rate is an approximation that uses a 50-year-old single female driver that wants full physical damage coverage and $100 policy deductibles.

When estimating a car insurance rate like we just did, the issue is that you’re not a 50-year-old female, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Just a very minor change in rating variables or coverage information can cause large differences in the coverage rate.

Everone’s needs are different, and this illustrates why the most reliable method for finding the cheapest rates for your Ford is to compare rates from as many companies as possible.

Save Now on Escape Insurance

Your vehicle’s trim level will most likely have an effect on the coverage cost, so the price you pay to insure a Escape XLS 2WD model will be $148 less than the price to insure the higher-priced Escape Limited 4WD model, as demonstrated by the prices below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific location which can decrease or increase price quotes considerably.

Finding a good quality auto insurance provider can be rather challenging considering how many different companies sell coverage in Maryland. The company rank data listed below can help you decide which car insurance companies to look at comparing rates from.

These rankings are only comprised of the largest companies in the United States, so companies with more of a regional focus are not factored into these rankings. If you wish to compare rates from these top insurers and more, just click here.

Top 10 Large Car Insurance Companies Overall in Maryland

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top 10 Large Car Insurance Companies in Maryland Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Top Companies for Ford Escape Insurance in Maryland

Discounts on the best cheap insurance for a Ford Escape in Maryland

Insurers that provide policies for a Ford Escape may additionally offer rate discounts that could potentially reduce rates by 30% or more if you meet the requirements. Large insurance companies and a selection of discounts can be read below.

• State Farm policyholders can earn discounts including good driver, anti-theft, safe vehicle, passive restraint, Steer Clear safe driver discount, defensive driving training, and student away at school.
• GEICO may have discounts that include military active duty, daytime running lights, good student, driver training, air bags, and anti-theft.
• Liberty Mutual includes discounts for multi-policy, safety features, good student, preferred payment discount, and teen driver discount.
• The Hartford offers premium reductions for air bag, vehicle fuel type, anti-theft, good student, driver training, defensive driver, and bundle.
• MetLife has discounts for claim-free, multi-policy, accident-free, good driver, good student, defensive driver
• Progressive offers discounts including homeowner, online quote discount, multi-vehicle, good student, and online signing.

The chart below illustrates the difference between annual premium costs with and without discounts applied. The rate quotes are based on a male driver, no claims or driving violations, Maryland state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, safe-driver, accident-free, multiple vehicle, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for a Ford Escape is 28% or $655.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4053,2923],[‘Age 30’, 2133,1555],[‘Age 40’, 2105,1531],[‘Age 50’, 1911,1389],[‘Age 60’, 1845,1339],[‘Age 70’, 2221,1603]]);var options = {title: ‘Insurance Rate Comparison for a Ford Escape’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Maryland’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Why it’s important to shop around

Maryland insurance rates are based on many factors that may substantially change the price you pay. Simply getting older, becoming a homeowner, or having an accident can trigger changes in premium that can cause some rates to be more affordable than the competition.

Not only may your situation change, but auto insurance companies change rates as often as every three months to adjust for unexpected claims or profits. Significantly higher claims can cause higher rates, while lower claim expenses can produce lower-priced Escape insurance rates.

The chart below shows a variety of companies that have the cheapest car insurance in Maryland for a 45-year-old female driver with no prior claims, no tickets, and good credit. If we look at prices based on her current risk profile, USAA might offer the cheapest car insurance rates in Maryland at $948 a year. This is $611 less than the average rate paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto also make the list of the best Maryland auto insurance companies.

google.charts.setOnLoadCallback(drawMDWitcqcibChart);function drawMDWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 948, ‘#528E00’],[‘Liberty Mutual’, 1081, ‘#447600’],[‘Penn National’, 1104, ‘#386200’],[‘Erie’, 1115, ‘#2E5100’],[‘State Auto’, 1178, ‘#264300’]]);var options = {title: ‘Best Cheap Auto Insurance for a Ford Escape’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1278,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will give the driver in the first example an accident surcharge, a lower credit score, and a traffic ticket or two. Since each auto insurance company uses a different method for determing rates in each state, analyzing rate quotes could now result in a different set of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawMDWcqcibChart);function drawMDWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Nationwide’, 1516.9, ‘#F58700’],[‘MetLife’, 1524.6, ‘#CC7000’],[‘Travelers’, 1584, ‘#AA5D00’],[‘Liberty Mutual’, 1621.5, ‘#8D4D00’],[‘GEICO’, 1634.6, ‘#754000’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1734.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Nationwide now has the best auto insurance rate in Maryland with MetLife, Travelers, Liberty Mutual, and GEICO now rounding out the top five. This example shows why it is important to shop around to get cheap car insurance rates for a Ford Escape. Insurance rates can be altered by many risk factors and can change substantially, so the best price three years ago may now be an over-priced policy.

Find the best cheap insurance for a Ford Escape in Maryland

Lowering your rates is not difficult, and here are a few thrifty solutions that can help Maryland drivers buy more affordable coverage.

• Drivers with good credit often pay less
• Violations like speeding or DUI increase rates
• Do not get into accidents that are your fault
• Buy vehicles with five-star safety ratings
• Pay for smaller claims out-of-pocket
• Compare rates once a year for cheaper prices

That final tip is notably significant, as we emphasized in this article. Auto insurance prices fluctuate considerably, so drivers shouldn’t be resistant to buy a policy from a new company if you can save money. Sticking with a specific company is fine, but it’s not a good idea if that inflexibility results in costing you lots of money. Spend a few minutes and compare prices to find cheaper auto insurance for a Ford Escape.