Who Has Affordable Auto Insurance Quotes for a Ford Escape in Tampa?

Finding cheap insurance for a Ford Escape depends on a lot of rating criteria such as whether you are single or married, whether or not you garage your vehicle, and if you have a history of accidents. Drivers in Florida pay on average $1,165 a year for Escape insurance, but that cost is an approximation based on a 30-year-old married female driver with full coverage and $100 deductibles.

There is a good probability you’re not a 30-year-old female, possibly single instead of married, or maybe you just want liability only instead of full coverage. This example demonstrates why the only real way to find cheap auto insurance rates for your Ford is to just take the time to compare rates yourself.

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The trim level of your Escape will likely have an effect on the coverage cost, so the price to insure a Escape XLS 2WD will be $158 less expensive the price to insure the higher-end Escape Limited 4WD trim level, as demonstrated by the prices below.

Ford Escape Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $304 $522 $362 $22 $108 $1,318 $110
Escape XLS 4WD $304 $522 $362 $22 $108 $1,318 $110
Escape XLT 2WD $304 $522 $362 $22 $108 $1,318 $110
Escape Limited 2WD $348 $522 $362 $22 $108 $1,362 $114
Escape XLT 4WD $348 $522 $362 $22 $108 $1,362 $114
Escape Limited 4WD $348 $636 $362 $22 $108 $1,476 $123
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in Tampa location which can influence price quotes greatly.

Finding out which company quotes the best insurance rates for a Ford Escape may require a little more work than just comparing a company or two.

Each auto insurer has a different formula to establish rates, so let’s examine the insurance companies with the most affordable rates in Florida. It’s important to know that Tampa insurance rates are influenced by many factors which can substantially decrease or increase your annual premium. Improving your credit score, buying another vehicle, or getting a few speeding tickets may cause policy rate changes resulting in some companies being cheaper than competitors.

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Cheapest Florida car insurance ranked by price
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,694
3 Amica $1,694
4 Progressive $1,829
5 Travelers $1,869
6 Mercury $1,914
7 Allied $1,926
8 Esurance $2,082
9 Auto-Owners $2,107
10 State Farm $2,110
11 GEICO $2,150
12 Allstate $2,388
13 21st Century $2,469
14 Windhaven Insurance $2,627
15 MetLife $2,958
16 Safeco $3,016
17 Hanover $3,054
18 Liberty Mutual $3,101
19 United Automobile $3,527
20 Direct General $4,062
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USAA may have some of the best car insurance rates in Tampa at around $957 annually. Electric, Amica, Progressive, and Travelers also rank well as some of the more affordable Tampa, FL auto insurance companies.

In the above rates, if you currently have coverage with Progressive and switched to Electric, you might see yearly savings of around $135. Insureds with Travelers might save as much as $175 a year, and Mercury policyholders might lower prices by $220 a year.

To compare your rates to other Florida insurance companies, click here or visit any of the low-priced companies below.

Understand that those policy prices are averaged across all types of insureds and vehicles and do not take into consideration a specific zip code for a Ford Escape. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own specific driver and vehicle information.

The diagram below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for a Ford Escape. The rate quotes are based on a single male driver, full coverage, and no policy discounts are applied.

As shown above, a 40-year-old driver could reduce rates by $356 a year by switching from a $100 deductible up to a $500 deductible, or save $540 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave as much as $1,160 annually just by choosing larger deductibles. When using a larger deductible, it is a good idea to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Full coverage rates compared to liability-only

Finding the cheapest insurance is important to the majority of people, and an effective way to pay less for insurance for a Ford Escape is to buy liability only. The information below visualizes the comparison of annual premium costs with full coverage and liability only. The prices are based on no tickets, no at-fault accidents, $100 deductibles, single status, and no policy discounts are applied.

Averaged for all ages 20 through 70, full coverage costs $2,442 per year over and above liability only. At some point, every insured wonders if paying for full coverage is worth it. There is no set rule to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

There are some cases where removing full coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

How to find cheaper car insurance for a Ford Escape

Below you’ll find some money-saving suggestions that can help you get more affordable car insurance.

The last item on the list is incredibly crucial, as we discussed in the prior information. Auto insurance rates can change in a short period of time, so don’t be afraid to buy a different policy if you find a cheaper price. Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you a small fortune year after year. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for a Ford Escape in Tampa.