What Car Insurance is Cheapest for a Ford Escape in Arlington?

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Ford Escape insurance
Ford Escape insurance image courtesy of QuoteInspector.com

Buying competitive coverage for a Ford Escape in Texas can be really easy, but it is dependent upon a complicated rating formula that uses factors such as your marital status, if you have a tendency to file claims, and any prior driving citations you have received. Drivers pay approximately $837 annually for Escape insurance, but that cost is an approximation based on a 50-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

When making auto insurance estimates, the issue arises that you're not a 50-year-old female, possibly single instead of married, or maybe you live in a different area as the quoted rates. Everyone has unique insurance needs, and this illustrates why the best method for finding cheap auto insurance rates for your Ford is to just take the time to compare rates yourself.

Cheapest Ford Escape Insurance Rates

The trim level of your vehicle will have an impact the cost of coverage, so the price you pay to insure a Escape XLS 2WD model will be $102 cheaper than the price to insure the more expensive Escape Limited 4WD version, as shown in the chart below.

Ford Escape Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $198 $338 $304 $18 $92 $950 $79
Escape XLS 4WD $198 $338 $304 $18 $92 $950 $79
Escape XLT 2WD $198 $338 $304 $18 $92 $950 $79
Escape Limited 2WD $226 $338 $304 $18 $92 $978 $82
Escape XLT 4WD $226 $338 $304 $18 $92 $978 $82
Escape Limited 4WD $226 $412 $304 $18 $92 $1,052 $88
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can change insurance rates greatly.

What is the best auto insurance company in Texas?

Insuring your vehicle with the right insurance company is hard considering how many companies are available to choose from in Texas. The information shown below could help you decide which auto insurance companies you want to consider putting your business with.

The rankings below are for companies with a nationwide focus, so smaller regional companies are not included in the list. To compare price quotes from the insurers below and more, click this link.

Top 10 Large Auto Insurers Overall in Arlington

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Large Auto Insurers in Arlington Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Cost of full coverage

Reducing premiums for auto insurance is important to most people, and one of the quickest ways to lower the cost of insurance for a Ford Escape is to not insure for full coverage. The diagram below compares yearly insurance costs when comparing full coverage to liability only. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, physical damage coverage costs $1,598 per year over and above liability coverage. At some point, about every driver wonders if buying full coverage is worth the expense. There is no exact formula for phasing out full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

Why you should be shopping around

Arlington auto insurance rates are calculated based on many things that can increase the price of coverage. Simply getting older, buying a different home, or getting a ticket for careless driving can trigger rate changes that can now make some companies more affordable than the competition.

Additionally, car insurance companies file new Texas auto insurance rates every year to reflect underwriting profits or losses. An extended period of higher than normal claims can result in rate hikes, while lower claim expenses may result in cheaper Escape insurance rates.

For instance, the chart below shows rates for the cheapest car insurance in Arlington, TX for a 35-year-old male driver with no accidents or violations, and excellent credit. If we compare prices based on his current risk factors, Travelers might offer the most affordable car insurance rates in Arlington at $1,149 annually. This is $755 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the most affordable Arlington, TX auto insurance companies.

In the next rate comparison, we'll give the driver from the first rate comparison a couple of claims, less-than-perfect credit, and a traffic ticket or two. Since each auto insurance company has a proprietary method for setting prices, comparing quotes may result in a completely different list of affordable companies as shown below.

State Farm now has the lowest car insurance rate in Arlington with Mercury, Nationwide, USAA, and Safe Auto also being competitive. This example proves why consumers need to take the time to spend some time comparing rates when trying to get cheap insurance quotes for a Ford Escape. Car insurance prices are impacted by many factors and can change substantially, so the best price the last time you shopped around may now be costing you a lot of money.

Tips to find low-cost insurance for a Ford Escape

The list below shows some of the recommended money-saving ideas that can help drivers get more affordable car insurance.

The last suggestion is notably crucial, as we noted in the prior information. Insurance prices in Arlington vary greatly, so don't hesitate to buy a different policy if a better rate can be found. We understand brand loyalty, but we do not recommend it if it's costing you thousands of dollars over the life of your policy. Take a few minutes and compare prices to find cheaper auto insurance for a Ford Escape.