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

Our editors always tell us that when writing about car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere to describe car insurance rates. The fact is, cheap auto insurance for a Ford Escape can seem impossible to find. Don’t let that spoil your day, because we are going to show you how you can quote insurance that you can afford.

The odds of finding cheap insurance for a Ford Escape in Minnesota relies on an enormous amount of rating factors like how you use your vehicle, where you live, and your choice of physical damage deductibles. Drivers pay an average of $1,020 each year to buy Ford Escape insurance, but that cost is a ballpark figure based on rate data for a 40-year-old single female that includes full coverage including both comprehensive and collision and $100 deductibles.

When making auto insurance estimates, the issue arises that you aren’t exactly 40 years old or even a female, you might be married instead of single, or maybe you had a chargeable driving offense. Every policy is rated specifically for the driver, so your best shot at finding the cheapest insurance price for your Ford is to regularly compare rates at renewal. In just a few minutes you will receive price comparisons from the cheapest companies around.

Start Your Free Quote

Your vehicle’s trim level will have an impact the cost of coverage, so the price you pay to insure a Escape XLS 2WD trim level will be $134 less than the price to insure the higher-priced Escape Limited 4WD model, as shown by the rates below.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in your specific Minnesota location which can modify auto insurance rates substantially.

Finding reliable, low-cost auto insurance is difficult, and deciding which company offers the lowest-priced insurance rates for a Ford Escape takes a little more work. Each insurer uses a slightly different approach to determine premium rates, so first we will examine the insurance companies with the most affordable rates in Minnesota.

Cheapest Insurance Rates for Your Escape

Get a Free Quote and Save

Travelers has some of the best car insurance rates in Minnesota at around $641 per year. USAA, Farm Bureau Mutual, Western National, and The Hartford also make the cut as some of the cheapest Minnesota insurance companies.

As the rates illustrate above, if you buy coverage from USAA and switched to Travelers, you could realize an annual premium reduction of upwards of $158. Customers with Farm Bureau Mutual may save as much as $196 a year, and Western National customers might lower prices by up to $287 a year.

Bear in mind that those premium estimates are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific rating modification for a Ford Escape. So the company that is most affordable for your situation may not even be included in the above list. That affirms the importance of why you need to quote rates from as many companies as possible using your own individual information.

Should you buy full coverage?

Finding cheap insurance for a Ford Escape in Minnesota should be important to the majority of drivers, and one of the quickest ways to buy cheaper insurance is to not pay for full coverage. The example below shows the comparison of auto insurance rates with and without full coverage. The data assumes no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2261,963],[‘Age 30’, 1199,531],[‘Age 40’, 1165,493],[‘Age 50’, 1065,461],[‘Age 60’, 1037,455],[‘Age 70’, 1287,605]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Minnesota’,minValue: 0,format: ‘$###,###’},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 the cost for all age groups, comprehensive and collision coverage on your policy costs $1,336 per year over and above liability coverage. A very common question is if you should buy full coverage. There is no definitive rule for eliminating physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.

There are some circumstances where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Illustration showing the impact of accidents and violations

A great way to earn the cheapest insurance prices for an Escape is to be a safe driver and avoid accidents and traffic violations. The chart below highlights how traffic violations and at-fault fender-benders raise car insurance rates for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $100 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’, 2059,2293,4227],[‘Age 30’, 1451,1685,3619],[‘Age 40’, 1429,1663,3595],[‘Age 50’, 1257,1489,3423],[‘Age 60’, 1195,1429,3365],[‘Age 70’, 1271,1505,3439]]);var options = {title: ‘Effect of Tickets and Accidents on Minnesota 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 Minnesota’,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 example above, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,444. Get one speeding ticket and the average cost surges to $1,677, an increase of $234 each year. Then include two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford Escape goes up to an average of $3,611. That’s an increase of $2,168, or $181 per month, just for being a little careless behind the wheel!

How to find cheap insurance for a Ford Escape in Minnesota

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help Minnesota drivers quote more affordable auto insurance.

• Drop full coverage on older vehicles
• Be a cautious driver
• Avoid filing excessive claims
• Do not get into accidents that are your fault
• Increase physical damage deductibles
• Shop around for cheaper prices often

The final tip is very vital, as we stressed in this write-up. Insurance rates fluctuate constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that devotedness results in you overpaying money that could be used for better things. Spend a few minutes and compare rates to find cheaper car insurance for a Ford Escape.

Who has the cheapest Ford Escape insurance quotes?

There are a variety of different ways to buy insurance in Minnesota, but the most preferred methods are through an independent or non-exclusive agent, an exclusive insurance agent like State Farm or Liberty Mutual, or direct either online or via phone.

You can use whichever you prefer, but buyers need to know the differences in how they give price quotes.

Independent agents can place your business with multiple companies and can provide price quotes from every one. These types of agents are able to give you more rate choices, which may give you the best chance of saving money. If a cheaper rate is found, your agent can switch companies which prevents you from having to find a new agency.

An agent who is captive is only able to give prices for a single insurance company, two of the more popular are State Farm and Auto-Owners agents. They are unable to quote prices from more than just one company, so if the price isn’t competitive there isn’t much they can do.

If you choose to buy insurance direct, you forego a local agent and instead shop from a direct company like Progressive. This option may be a decent choice consumers who do not have a complex risk profile and know more than average about what coverages, limits, and deductibles they need.

Out of those three methods, which one works best to buy cheap insurance for a Ford Escape in Minnesota? One answer would be buying direct results in the cheapest price since there is no middleman, but in reality, that is not true. And we’d like to say going through an independent agent results in the cheapest rates since they can quote with many companies, but again, it’s not a sure thing. In a lot of cases, exclusive agents may have very competitive prices that are the lowest in Minnesota.

Due to the large number of rating factors, the one way to ensure you are not overpaying for insurance is to get quotes and compare. It’s a good idea to get quotes from all three types to have the best rate selection. For a list of companies with some of the cheapest Minnesota insurance rates, click here to view.

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

When buying insurance for an Escape in Minnesota, probably the best companies to start with are Progressive, Allstate, Geico, and State Farm. Combined they insure about half of all auto insurance policies in force. They all have the same basic coverages, but each one has unique features and discounts that you can select from. The table below ranks ratings for price, service, and claims, in additional to some of the optional coverages shoppers can find with each company.