Buying affordable coverage for a Ford Escape in Ohio can be pretty simple, but it depends on many different factors such as whether you own a home, the size of your vehicle, and driving violations and tickets. Drivers in Ohio will pay around $522 per year for Escape insurance, but that figure is an approximation using a 50-year-old single female driver with full physical damage coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 50-year-old female, maybe you are married instead of single, or maybe you prefer to not insure for full coverage. Even a minor change in rating criteria or coverage limits can make a big difference in the policy cost.
Insurance is an individual thing, so the only real way to find the cheapest insurance price for your Ford is to do your own rate comparisons.
The trim level of your Escape will most likely have an effect on the yearly cost, so the price you will pay to insure a Escape XLS 2WD will be $58 cheaper than the insurance cost for the fancier 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 | $106 | $192 | $218 | $12 | $66 | $594 | $50 |
| Escape XLS 4WD | $106 | $192 | $218 | $12 | $66 | $594 | $50 |
| Escape XLT 2WD | $106 | $192 | $218 | $12 | $66 | $594 | $50 |
| Escape Limited 2WD | $122 | $192 | $218 | $12 | $66 | $610 | $51 |
| Escape XLT 4WD | $122 | $192 | $218 | $12 | $66 | $610 | $51 |
| Escape Limited 4WD | $122 | $234 | $218 | $12 | $66 | $652 | $54 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific location which can influence prices considerably.
Buying coverage from a highly-rated company can be rather challenging considering how many different companies there are to choose from in Toledo. The company information listed below could help you choose which coverage providers to look at when buying insurance for a Ford Escape. The rankings below are only made up of major nationwide insurance companies, so smaller companies that only insure vehicles in Ohio are not included in these rankings.
Top 10 Major Car Insurance Companies Overall in Toledo
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Irresponsible driving raises your rates
The easiest way to receive good auto insurance prices in Toledo for an Escape is to drive attentively and have a clean driving record. The illustration below illustrates how traffic citations and accident claims increase insurance rates for each different age group. Data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of auto insurance in Toledo per year with no accidents or violations is $942. Factor in two speeding tickets and the average cost jumps to $1,293, an increase of $351 each year. Now get one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Escape jumps again to an average of $1,639. That’s an increase of $697, or $58 per month, just for being a less-than-perfect driver!
Discounts on Toledo insurance rates
Insurance companies that offer cheap quotes for a Ford Escape may additionally offer premium discounts that can lower rates by as much as 35% if you meet certain criteria. Large auto insurance companies and the discounts they provide are outlined below.
- State Farm may have discounts that include Steer Clear safe driver discount, defensive driving training, safe vehicle, good driver, accident-free, Drive Safe & Save, and driver’s education.
- GEICO discounts include seat belt use, driver training, multi-vehicle, five-year accident-free, membership and employees, and air bags.
- Allstate policyholders can earn discounts including eSmart discount, utility vehicle, FullPay discount, anti-theft, premier plus, auto/life discount, and anti-lock brakes.
- SAFECO offers discounts for safe driver, homeowner, anti-theft, drive less, multi-car, and teen safe driver.
- Farm Bureau has savings for multi-policy, 55 and retired, multi-vehicle, youthful driver, safe driver, and renewal discount.
- Progressive may offer discounts for homeowner, multi-policy, continuous coverage, multi-vehicle, good student, and online signing.
- AAA may include discounts for multi-policy, AAA membership discount, good driver, anti-theft, good student, education and occupation, and multi-car.
The illustration below shows the difference between premium costs with and without some available policy discounts. The data is based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, defensive driving course, homeowner, marriage, accident-free, and passive restraint discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for a Ford Escape is 27% or $257.
The illustration below illustrates how your choice of deductibles can influence insurance costs when quoting cheap insurance for a Ford Escape. The premiums are based on a single female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower rates by $178 a year by changing from a $100 deductible to a $500 deductible, or save $272 by using a $1,000 deductible. Younger drivers, like the age 20 example, could potentially save up to $456 each year by choosing a higher deductible. When raising deductibles, it will be required to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
The agents listed below can probably answer your questions and help you decide which policy is best, as some drivers have questions and prefer to have professional advice when shopping around for cheaper insurance for a Ford Escape. It can be time-consuming to find the best coverage yourself, so insurance agents licensed in the state of Ohio can provide peace of mind knowing your coverage gives you adequate protection in case of an accident or claim.
To find an agent close to where you live, click the button below the list or click here to compare price quotes.
Anderson-Miller Insurance
4149 N Holland Sylvania Rd #3 – Toledo, OH 43623 – (419) 882-1770
Allstate Insurance: Jennifer Soda Zielinski
2509 W Sylvania Ave Ste 12 – Toledo, OH 43613 – (419) 472-9690
Nationwide Insurance: Smithers Ins Agency LLC
229 Superior St – Rossford, OH 43460 – (419) 666-5703
Kranz PJ Insurance Agency
4349 Talmadge Rd – Toledo, OH 43623 – (419) 473-2416