Who Has Cheap Insurance for a Ford Escape in Hawaii?

Our editors keep telling us that when writing about auto insurance, the word affordable should not appear anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Ford Escape can be difficult to find. Don’t let that discourage you, because we will teach you how you can still get auto insurance that is more affordable.

The chances that you’ll find the best cheap auto insurance for a Ford Escape in Hawaii hinges on a complex rating formula that takes into consideration things such as whether you are a homeower, your current insurance company, and any driving offenses on your record. Drivers will pay around $760 every 12 months to buy insurance for a Ford Escape, but that cost is an estimation calculated using a 50-year-old single male that includes full coverage including both comprehensive and collision and $100 policy deductibles.

More likely than not, you are not 50 years old and maybe not even male, maybe you are married instead of single, and there is a good chance that other rated drivers impact the rate. Changing even a minor factor in the criteria used to calculate rates can cause big differences in policy price.

This illustrates why the only way to find cheap insurance rates for your Ford is to just take the time to do a thorough rate comparison. Get a free quote now and you will receive prices from some of the best companies that insure vehicles in Hawaii.

Compare Ford Escape Insurance Rates

The trim level of your Ford will likely have an effect on the insurance rate, so the price you pay to insure a Escape XLS 2WD model will be $102 cheaper than the cost to insure the fancier Escape Limited 4WD trim level, as shown by the rates below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific garaging location which can influence premiums significantly.

Establishing which company offers the cheapest car insurance rates for a Ford Escape takes a little more effort in order to find a policy that fits your budget. Each insurance company has a different process to set policy rates, so we’ll go over the most budget-friendly car insurance companies in Hawaii.

It’s important that readers know that Hawaii car insurance rates are impacted by many things that will increase or decrease the price of your policy. Turning one year older, buying a different home, or getting a speeding ticket can cause premium changes that can cause some rates to be cheaper than before.

Best Cheap Insurance Rates for Your Escape

Click to Compare Rates Now

google.charts.setOnLoadCallback(drawHIT5qcibChart);function drawHIT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 926, ‘#338FCF’], [‘State Farm’, 1076, ‘#2A77AC’], [‘GEICO’, 1376, ‘#23638F’], [‘Liberty Mutual’, 1421, ‘#1D5277’], [‘Progressive’, 1576, ‘#184463’]]);var options = {title: ‘Cheapest Auto Insurance Companies in Hawaii’,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:1676,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(‘qcibt5cic’));chart.draw(view, options);}

USAA generally has some of the most affordable car insurance rates in Hawaii at around $926 each year. State Farm, GEICO, Liberty Mutual, and Progressive would also be considered some of the more affordable Hawaii insurance companies.

In the rate table above, if you are insured with Liberty Mutual and switched to State Farm, you could realize an annual savings of approxmiately $345. Policyholders with Progressive might save as much as $500 a year, and Allstate customers might lower prices by $850 a year.

To find out how your current rates compare, click here to start your custom quote or click several companies below for low rates.

Understand that those policy prices are averages for all drivers and vehicles and and are not figured with a specific rate value for a Ford Escape. So the auto insurance company that can offer the best rates for your situation may not even be shown in the list of companies above. That emphasizes why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

Rate increases following a ticket or accident

The obvious way to snag the cheapest car insurance rates in Hawaii for an Escape is to drive safely and not have accidents or get tickets. The chart below shows how traffic citations and at-fault fender-benders raise premium costs for different age groups. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no 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 One Accident’],[‘Age 20’, 2603,2797,3335],[‘Age 30’, 1355,1547,2085],[‘Age 40’, 1341,1535,2075],[‘Age 50’, 1223,1413,1951],[‘Age 60’, 1183,1371,1909],[‘Age 70’, 1431,1621,2159]]);var options = {title: ‘Effect of Citations and Accidents on Hawaii 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 Hawaii’,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 previous example, the average cost of auto insurance in Hawaii per year with no violations or accidents is $1,523. Add in one speeding ticket and the average cost increases to $1,714, an increase of $191 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for a Ford Escape jumps again to an average of $2,252. That’s an increase of $730, or $61 per month, just for not driving attentively!

Does full coverage make sense?

Finding cheap insurance for a Ford Escape in Hawaii is important to the majority of people, and an easy way to find cheaper insurance is to only buy liability insurance. The illustration below visualizes the comparison of car insurance costs with full coverage and liability only. The costs are based on no accidents or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 2603,807],[‘Age 30’, 1355,447],[‘Age 40’, 1341,415],[‘Age 50’, 1223,389],[‘Age 60’, 1183,383],[‘Age 70’, 1431,509]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Hawaii’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If we average all the age groups together, physical damage insurance costs $1,523 per year over and above liability only. Lot’s of drivers question if buying full coverage is worth the money. There isn’t a written rule for excluding full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

There are some circumstances where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage.