How Much are Insurance Quotes for a Ford Escape in Michigan?

Your ability to find the cheapest insurance for a Ford Escape in Michigan hinges on many different factors such as if you are a renter or homeowner, where you live, and if you have a history of accidents. Drivers in Michigan pay an average rate of $2,000 every 12 months to buy Ford Escape insurance, but that rate is a projection using rating data for a 40-year-old single male driver that purchased both comprehensive and collision coverage and $250 physical damage deductibles.

There is a very good chance that you are not 40 and possibly not even male, married instead of single, and maybe your credit level is not the same as what was rated. Auto insurance is not “one size fits all”, so the best way to quote cheap car insurance rates for your Ford is to compare as many rates as you can. To start saving now, get free quotes and you can get prices from the cheapest companies in Michigan.

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The trim level of your Escape will have an impact price, so the price to insure a Escape XLS 2WD trim level will be $250 lower than the cost to insure the more costly Escape Limited 4WD version, as shown in the prices below.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific zip code location which can alter auto insurance rates noticeably.

Choosing the top car insurance company is hard considering how many different insurance companies sell coverage in Michigan. The company ratings shown below can help you decide which car insurance companies to look at when comparing insurance rates for a Ford Escape. These rankings are only made up of large, nationwide insurance companies, so companies that focus mainly on Michigan business are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Michigan Ranked by Value

1. The Hartford
2. Farmers Insurance
3. AAA Insurance
4. 21st Century
5. Safeco Insurance
6. State Farm
7. Progressive
8. American Family
9. GEICO
10. Liberty Mutual

Top 10 Large Car Insurance Companies in Michigan Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Nationwide
7. Allstate
8. The Hartford
9. 21st Century
10. Farmers Insurance

Top Companies for Ford Escape Insurance in Michigan

Get discount Michigan auto insurance rates

Auto insurance companies that offer cheap insurance for a Ford Escape in Michigan could also offer price discounts that could reduce prices by as much as 25% or more if you meet eligibility requirements. Large car insurance companies and some of their more popular discounts include:

• Farm Bureau may have discounts that include safe driver, 55 and retired, renewal discount, multi-policy, driver training, and multi-vehicle.
• Liberty Mutual may include discounts for safety features, new move discount, newly retired, multi-policy, good student, and new vehicle discount.
• State Farm offers discounts for student away at school, driver’s education, Steer Clear safe driver discount, good driver, good student, accident-free, and multiple policy.
• Auto-Owners Insurance includes discounts for safe vehicle, company car, air bags, group or association, anti-theft, safe driver, and paperless.
• GEICO has savings for federal employee, defensive driver, seat belt use, membership and employees, and good student.
• SAFECO offers premium reductions for accident prevention training, safe driver, drive less, multi-car, anti-lock brakes, anti-theft, and teen safe driver.

The example below visualizes the comparison of auto insurance rates with and without policy discounts. The information is based on a female driver, no accidents or driving violations, Michigan state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, multiple vehicle, accident-free, vehicle safety, anti-theft, and multiple policy discounts applied. When discounts are factored in, the average savings per year on car insurance for a Ford Escape is 28% or $1,148.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 6091,4383],[‘Age 30’, 4249,3081],[‘Age 40’, 3927,2845],[‘Age 50’, 3435,2491],[‘Age 60’, 3317,2403],[‘Age 70’, 3845,2773]]);var options = {title: ‘Comparison of Insurance Rates 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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Michigan’,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);}

Drive safe and save

The easiest method to find cheap insurance for a Ford Escape in Michigan is to be a careful driver and avoid at-fault accidents and violations. The diagram below shows how speeding tickets and fender-benders raise auto insurance rates for different age groups. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 5505,5921,9643],[‘Age 30’, 2895,3311,7031],[‘Age 40’, 2827,3245,6967],[‘Age 50’, 2581,2997,6719],[‘Age 60’, 2499,2915,6637],[‘Age 70’, 3077,3491,7215]]);var options = {title: ‘Effect of Tickets and Claims on Michigan Ford Escape Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Michigan’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of car insurance per year with a clean driving record and no accidents is $3,231. Receive one speeding ticket and the average cost swells to $3,647, an increase of $416 each year. Then include two accidents along with the one speeding ticket and the annual cost of car insurance for a Ford Escape jumps again to an average of $7,369. That’s an increase of $4,138, or $345 per month, just for a couple of infractions!

Progressive, Allstate, Geico, or State Farm: Who is best?

If you’re looking for the best car insurance, the most popular companies are Progressive, Allstate, Geico, and State Farm. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages .