Cheap Insurance for a Ford Escape in South Carolina

The chances that you’ll find cheaper insurance for a Ford Escape in South Carolina depends on a large number of rating criteria such as how long your commute is, where you live, and if your driving record shows any at-fault accidents. Drivers in South Carolina on average will pay $960 a year to insure a Ford Escape, but that amount is a ballpark figure that uses rate data for a 30-year-old married male driver that included full coverage and $100 deductibles.

It’s more than likely that you are not 30 years old and maybe not even male, you might be single instead of married, or maybe your South Carolina zip code is rated higher than the example. Making even small differences in rating factors or requested coverage amount can induce significant differences in the policy cost.

Everyone has different rating factors, so the most reliable way to find cheap car insurance rates for your Ford is to comparison shop your policy at each renewal. Quotes only take a few minutes and you can get prices from some of the best insurers available.

Cheapest Ford Escape Insurance Rates

The specific trim level will most likely have an effect on the insurance rate, so the price you pay to insure a Escape XLS 2WD model will be $132 cheaper than the price to insure the more well-appointed Escape Limited 4WD model, as shown in the table below.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in specific garaging location which can impact auto insurance rates substantially.

Picking a high-quality auto insurance provider can be difficult considering how many different companies there are to choose from in South Carolina. The ranking data in the lists below can help you choose which car insurance companies you want to consider comparing rate quotes with. These ratings are only made up of major nationwide insurance companies, so companies that only write business in South Carolina or surrounding areas are not factored into the list.

Top 10 Large Auto Insurance Providers Overall in South Carolina

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 Companies for Ford Escape Insurance in South Carolina

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Ford Escape in South Carolina is the goal of most drivers, and a good way to save on the cost of insurance is to buy liability only. The chart below shows the difference between insurance costs with full phyical damage coverage and with liability coverage only. The costs are based on no claims or violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

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If all age groups are averaged, comp and collision coverage costs an additional $1,435 per year more than just buying liability insurance. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There is no definitive formula to delete physical damage insurance, but there is a general convention. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s settlement value is $10,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $9,000 after paying the physical damage deductible. If it’s costing in excess of $900 annually for physical damage coverage, then you might consider buying liability only.

Get discount South Carolina auto insurance rates

Car insurance companies that sell cheap insurance for a Ford Escape in South Carolina may also give you price discounts that could potentially reduce rates by as much as 40% or more if you can meet the requirements. A few of the larger companies and their possible discounts are included below.

The example below compares car insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no accidents or driving violations, South Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, multiple policy, safe-driver, claim-free, passive restraint, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the the average amount saved on auto insurance for a Ford Escape is % or $.

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