Buying cheap coverage for a Ford Escape can be really easy, but it is dependent upon many factors such as how far you drive to work, what you do for a living, and any prior driving offenses you have. Drivers in Illinois pay on average $500 per year for Escape insurance, but that is a valuation calculated using a 40-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
There’s a good chance you are not 40 years old and maybe not even male, you might be single instead of married, or maybe you just want liability only. The different assumptions illustrate why the best way to find the cheapest coverage for your Ford is to compare as many rates as you can. Quotes only take a few minutes and you will receive rate quotes from some of the cheapest companies that sell coverage in Illinois.
Vehicle trim level tends to have a direct impact on the cost of coverage, so the rate you will pay to insure a Escape XLS 2WD will be $50 cheaper than the price to insure the higher-end Escape Limited 4WD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $98 | $162 | $228 | $14 | $68 | $570 | $48 |
| Escape XLS 4WD | $98 | $162 | $228 | $14 | $68 | $570 | $48 |
| Escape XLT 2WD | $98 | $162 | $228 | $14 | $68 | $570 | $48 |
| Escape Limited 2WD | $114 | $162 | $228 | $14 | $68 | $586 | $49 |
| Escape XLT 4WD | $114 | $162 | $228 | $14 | $68 | $586 | $49 |
| Escape Limited 4WD | $114 | $196 | $228 | $14 | $68 | $620 | $52 |
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in your specific Chicago location which can influence premiums greatly.
Deciding which company offers the lowest-priced auto insurance rates for a Ford Escape may require a little more sweat in order to find the lowest price. Every auto insurer has their own process to set their prices, so we need to take a look at the auto insurance companies with the overall cheapest rates in Chicago.
Best Cheap Insurance Rates for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $769 |
| 2 | Rockford Mutual | $822 |
| 3 | Titan | $852 |
| 4 | Erie | $914 |
| 5 | Cincinnati Insurance | $915 |
| 6 | USAA | $959 |
| 7 | State Farm | $972 |
| 8 | SECURA | $975 |
| 9 | Utica National | $975 |
| 10 | Travelers | $981 |
| 11 | Auto-Owners | $1,022 |
| 12 | Safeco | $1,063 |
| 13 | Amica | $1,087 |
| 14 | GEICO | $1,118 |
| 15 | Farmers | $1,170 |
| 16 | Esurance | $1,185 |
| 17 | California Casualty | $1,197 |
| 18 | State Auto | $1,223 |
| 19 | Progressive | $1,243 |
| 20 | MetLife | $1,244 |
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The Hartford may have some of the best car insurance rates in Chicago at around $769 a year. This is $580 less than the average premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also rank well as some of the cheaper Chicago, IL car insurance companies.
As the rates illustrate above, if you are a customer of Cincinnati Insurance and switched to Rockford Mutual, you could realize a yearly savings of roughly $93. Policyholders with USAA could save as much as $137 a year, and State Farm customers might reduce rates by $150 a year.
These policy prices are averages for all ages of drivers and types of vehicles and are not factoring in a vehicle location for a Ford Escape. So the auto insurance company that has the cheapest price for you may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
Insurance rate increases from tickets or accidents
A great way to score the best auto insurance prices for an Escape is to pay attention while driving and avoid tickets and accidents. The example below demonstrates how citations and at-fault collisions drive up annual premium costs for each age group. The rate quotes are based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $918. Add in two speeding tickets and the average cost rises to $1,296, an increase of $378 each year. Then add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Ford Escape goes up to an average of $1,681. That’s an increase of $763, or $64 per month, just for not driving carefully!
You may be paying too much for Escape insurance
Chicago, IL auto insurance rates are calculated based on many things that control the policy price. Simply having a birthday, moving to a different location, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be more affordable than competitors.
Not only that, but auto insurance companies file new Illinois car insurance rates multiple times each year in order to protect their financial rating. Significantly higher claims can cause more expensive prices, while a better claims history can produce cheaper Escape insurance rates.
The data below shows rates for the cheapest car insurance in Chicago, IL for a 30-year-old male driver with no prior claims, no tickets, and a high credit rating. When comparing rates based on his personal risk profile, The Hartford has the lowest car insurance rates in Chicago at $1,247 a year. This is $102 less than the average premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie are also on the list of the top five cheapest Chicago, IL auto insurance companies.
In this example, we will give the driver from the first example a claim surcharge, a lower credit rating, and an imperfect driving record. Because each insurer uses their own calculation to determine rates, comparing insurance quotes may result in a new list of cheap Chicago auto insurance companies as shown below.
Utica National now has the cheapest auto insurance in Chicago, IL with USAA, State Farm, SECURA, and Auto-Owners also being competitive. This demonstrates why it is so important to compare as many rates as possible to find affordable auto insurance rates for a Ford Escape.
Car insurance prices can be determined by many different factors and can decrease or increase without notice, so the most affordable company the last time you shopped your coverage around may now be one of the more expensive options.
How to find budget-friendly insurance for a Ford Escape
The list below shows some of the recommended penny-pinching suggestions that can help you get cheaper auto insurance.
- Staying accident-free helps keep rates low
- Remove physical damage coverage on older vehicles
- Buying car and homeowners insurance together can save money
- Buy vehicles with five-star safety ratings
- Good credit scores may make rates cheaper
- Shop your coverage around for the best deal
The last tip in the list is remarkably crucial, as was pointed out in this piece. Auto insurance rates in Chicago adjust often, so don’t be hesitant to switch carriers if a lower-cost policy is available.
Having a favorite company is fine, but it’s not a good idea if that loyalty ends up costing money that could be spent on other things. Now is a great time to shop around and find cheaper auto insurance for a Ford Escape.
If you would rather get some professional input when comparing insurance rates for an Escape, the agents listed below can aid you in deciding which coverage meets your needs best. To find a Chicago insurance agent near you, click the button following the list or click here to compare rates now.
- Zeiler Insurance Services, Inc.
3660 E 106th St – Chicago, IL 60617 – (773) 375-3600 - Grace Murray – State Farm Insurance Agent
7035 W Grand Ave – Chicago, IL 60707 – (708) 453-1771 - Lakeview Insurance Agency, Ltd.
3438 N Southport Ave – Chicago, IL 60657 – (773) 871-8000 - ABI Insurance Agency
4806 N Milwaukee Ave – Chicago, IL 60630 – (773) 202-9666