Cheapest Insurance for a Ford Escape in Washington

Our editors have a joke that when writing about auto insurance, the word cheap should never be used as a descriptor for auto insurance rates. It’s just reality that cheap car insurance for a Ford Escape does not exist. Don’t let that discourage you, because we can show you some ways you can get auto insurance that is cheaper than what you have now.

The chances that you’ll find the cheapest coverage for a Ford Escape in Washington is dependent upon a lot of things like your date of birth, whether or not you have filed claims in the past, and citations on your driving record. Washington drivers on average pay around $780 annually to insure an Escape, but that rate is a projection using rating data for a 40-year-old single female driver that wants full physical damage coverage and $500 deductibles.

Most likely you’re not a 40-year-old female, possibly married instead of single, or maybe you have a couple of speeding tickets. Just a minor change in input factors can result in a big discrepancy in the price of coverage.

Every policy is rated specifically for the driver, so the most reliable method for finding the cheapest rates for your Ford is to just take the time to compare rates yourself.

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The specific model of Escape has an effect on the yearly cost, so the rate you will pay to insure a Escape XLS 2WD will be $86 cheaper than the insurance cost for the more costly Escape Limited 4WD trim level, as shown in the prices below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific Washington garaging location which can impact premium rates greatly.

Determining which company offers the most affordable auto insurance rates for a Ford Escape will involve more work than just getting one or two price quotes. Every car insurance company has their own process to establish rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Washington.

It’s important that readers know that Washington auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Simply having another birthday, increasing liability limits, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being cheaper than competitors.

Find Cheaper Car Insurance for Your Escape

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google.charts.setOnLoadCallback(drawWAT5qcibChart);function drawWAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Capital’, 784, ‘#F05050’], [‘Grange’, 813, ‘#C84242’], [‘Nationwide’, 990, ‘#A63737’], [‘PEMCO’, 994, ‘#8A2D2D’], [‘Mutual Enumclaw’, 1034, ‘#732525’]]);var options = {title: ‘Most Affordable Car Insurance Companies in Washington’,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:1134,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);}

Capital offers some of the cheapest car insurance rates in Washington at around $784 per year. Grange, Nationwide, PEMCO, and Mutual Enumclaw also rank well as some of the lowest-priced Washington insurance companies.

In the above rates, if you are insured with PEMCO and switched to Grange, you may realize savings of in the neighborhood of $181. Washington drivers with Mutual Enumclaw could save as much as $221 a year, and Travelers insureds might lower prices by up to $225 a year.

If you want to see how much you could save, click here or visit several of the following companies.

Be aware that those policy prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Ford Escape. So the car insurance company that can offer you the best rate may not even be shown in the rate chart shown above. That illustrates why you need to get rate quotes from many companies using your own specific driver information and vehicle.

Poor driving habits will raise your auto insurance rates

The easiest way to maintain low auto insurance premiums for an Escape is to drive safely and have a clean driving record. The illustration below demonstrates how speeding tickets and at-fault accidents can increase car insurance rates for different age groups of insureds. The information is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

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The data charted above shows the average cost of an auto insurance policy in Washington per year with no violations or accidents is $1,606. Factor in one speeding ticket and the average cost hikes up to $1,818, an increase of $212 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Ford Escape increases to an average of $3,607. That’s an increase of $2,001, or $167 per month, just for not keeping your driving record clean!

The diagram below demonstrates how choosing different deductibles can increase or decrease insurance costs when getting quotes for cheap insurance for a Ford Escape. The premiums assume a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

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The chart above illustrates that a 40-year-old driver could cut expenses by $244 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $370 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could shave $610 annually just by using higher deductibles. When choosing a higher deductible, it is essential to have additional funds in a savings account to pay the extra out-of-pocket expense that is associated with using high deductibles.

Allstate vs Progressive vs State Farm vs Geico

If you’re looking for the best insurance for an Escape in Washington, some of the largest companies to start with are Allstate, Progressive, State Farm, and Geico. The following table ranks pricing and service ratings, plus some optional coverages offered by each company.