Finding cheaper car insurance for a Ford Escape is pretty easy to do, but it depends on a lot of things such as the safety rating for your Escape, the likelihood of vehicle theft, and citations on your driving record. Drivers will pay on average $885 each year to insure their Escape, but that is based upon a 30-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
There’s a good chance you are not 30 years old and maybe not even male, maybe you are married instead of single, and you want different coverage limits than the example. Having just a slight change in rating variables or coverage information can result in a massive change in the cost of insurance.
Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap auto insurance rates for your Ford is to compare rates from as many companies as possible. It only takes a few minutes and you can get rates from top-rated companies that insure vehicles in Nebraska.
Your vehicle’s trim level will likely have an effect on the annual cost of coverage, so the price you will pay to insure a Escape XLS 2WD trim level will be $104 cheaper than the cost to insure the fancier Escape Limited 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $230 | $320 | $334 | $20 | $100 | $1,004 | $84 |
| Escape XLS 4WD | $230 | $320 | $334 | $20 | $100 | $1,004 | $84 |
| Escape XLT 2WD | $230 | $320 | $334 | $20 | $100 | $1,004 | $84 |
| Escape Limited 2WD | $264 | $320 | $334 | $20 | $100 | $1,038 | $87 |
| Escape XLT 4WD | $264 | $320 | $334 | $20 | $100 | $1,038 | $87 |
| Escape Limited 4WD | $264 | $390 | $334 | $20 | $100 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can raise or lower coverage rates substantially.
Finding dependable, cheap auto insurance is not easy, and figuring out which companies quote the best auto insurance rates for a Ford Escape involves even more shopping around.
Every insurance provider uses a little different formula to establish rates, so let’s begin by examining the most budget-friendly auto insurance companies in Omaha, NE.
Find Cheaper Car Insurance for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $873 |
| 3 | Auto-Owners | $932 |
| 4 | Allied | $949 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Farm Bureau Mutual | $1,010 |
| 7 | Nationwide | $1,037 |
| 8 | American National | $1,054 |
| 9 | State Farm | $1,075 |
| 10 | General Casualty | $1,081 |
| 11 | USAA | $1,150 |
| 12 | American Family | $1,246 |
| 13 | MetLife | $1,280 |
| 14 | California Casualty | $1,296 |
| 15 | GEICO | $1,322 |
| 16 | Iowa Mutual | $1,334 |
| 17 | EMC | $1,354 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,586 |
| 20 | North Star | $1,693 |
| Find Cheaper Rates Go | ||
Safeco may offer some of the lowest car insurance rates in Omaha at around $780 annually. This is $536 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the best Omaha, NE insurance companies.
As shown in the table above, if you currently have a policy with Farmers Mutual of Nebraska and switched to The Hartford, you might realize yearly savings of approximately $106. Insureds with Farm Bureau Mutual could save as much as $137 a year, and Nationwide policyholders might cut rates by $164 a year.
To find the cheapest coverage for you, click here to start your free quote or click through to the companies below.
It’s important to note that these prices are averaged across all types of insureds and vehicles and and are not calculated with a vehicle location for a Ford Escape. So the company that can offer you the best price may not even be in the top 24 companies shown above. That helps illustrate why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
Get discount Omaha auto insurance
Car insurance companies that provide coverage for a Ford Escape could also offer price discounts that may potentially lower prices by 25% or more if you meet specific eligibility requirements. A few popular companies and some of their more popular discounts include:
- State Farm offers discounts for Drive Safe & Save, defensive driving training, multiple policy, accident-free, student away at school, and good driver.
- GEICO may have discounts that include driver training, defensive driver, emergency military deployment, multi-vehicle, multi-policy, and membership and employees.
- Allstate has savings for 55 and retired, senior citizen, resident student, anti-theft, good payer, utility vehicle, and farm vehicle.
- SAFECO may offer discounts for teen safety rewards, teen safe driver, multi-car, drive less, anti-lock brakes, safe driver, and bundle discounts.
- Farm Bureau policyholders can earn discounts including multi-policy, safe driver, multi-vehicle, renewal discount, and good student.
- Progressive offers premium reductions for multi-vehicle, homeowner, online quote discount, good student, multi-policy, and continuous coverage.
- AAA may include discounts for pay-in-full, education and occupation, anti-theft, good student, and AAA membership discount.
The diagram below illustrates the comparison of auto insurance rates with and without discounts being applied to the rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, accident-free, marriage, defensive driving course, claim-free, and passive restraint discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for a Ford Escape is 27% or $484.
The information below demonstrates how deductible levels can raise or lower insurance prices when getting quotes for cheap insurance for a Ford Escape. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could cut expenses by $278 a year by changing from a $100 deductible to a $500 deductible, or save $418 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could potentially save up to $808 or even more just by choosing larger deductibles. If you do make the decision to raise your deductibles, it will now be necessary to have enough savings to enable you to cover the extra out-of-pocket expense associated with higher deductibles.
How to find economical auto insurance for a Ford Escape
The list below summarizes many money-saving ideas that can help drivers quote lower-cost coverage.
- Do not get traffic tickets
- Good credit scores may make rates cheaper
- Avoid at-fault accidents and claims
- Drop full coverage on older vehicles
- Raise your physical damage coverage deductibles
- Buy a safer vehicle
- Ensure you have the best deal by shopping around regularly
The last tip is very important, as was discussed in the prior information. Auto insurance prices can change considerably in a year, so don’t be tentative to switch to a new company if you can save money.
Staying with the same company for years is fine, but is isn’t recommended if that devotion results in you overpaying a considerable chunk of change every month. Spend a few minutes and compare prices and find cheaper insurance for a Ford Escape in Omaha.