Finding affordable coverage for a Ford Escape in Missouri hinges on a complicated formula that considers factors such as age of the driver, your occupation, and violations on your driving record. Missouri drivers pay approximately $526 a year to insure their Escape, but that amount is a projection calculated using a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
It’s more than likely you aren’t exactly 30 years old or even a male, single instead of married, or maybe you have a speeding ticket or two that will increase rates. Have just a small change in rating criteria or coverage limits can result in a large change in rates.
Auto insurance is unique to each driver, so the only real way to find the cheapest rates for your Ford is to do your own rate comparisons.
Find Cheaper Ford Escape Insurance
The specific model of Escape tends to have a direct effect on the cost of insurance, so the price to insure a Escape XLS 2WD will be $56 cheaper than the price to insure the more well-appointed Escape Limited 4WD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $110 | $180 | $226 | $14 | $68 | $598 | $50 |
| Escape XLS 4WD | $110 | $180 | $226 | $14 | $68 | $598 | $50 |
| Escape XLT 2WD | $110 | $180 | $226 | $14 | $68 | $598 | $50 |
| Escape Limited 2WD | $128 | $180 | $226 | $14 | $68 | $616 | $51 |
| Escape XLT 4WD | $128 | $180 | $226 | $14 | $68 | $616 | $51 |
| Escape Limited 4WD | $128 | $218 | $226 | $14 | $68 | $654 | $55 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can lower or raise premium rates significantly.
Finding good, cheap insurance is not the easiest thing to do, and determining which company offers the most affordable insurance rates for a Ford Escape will take additional perseverance. Each auto insurance company uses a slightly different approach for setting rates, so to begin we’ll rank the insurance companies with the overall best prices in Kansas City.
It’s important that readers know that Kansas City insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. Things like having a birthday, buying a safer car, or getting a speeding ticket may prompt premium changes resulting in some rates now being more affordable than others.
Best Auto Insurance Prices for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $642 |
| 2 | The Hartford | $785 |
| 3 | Allied | $849 |
| 4 | Electric | $875 |
| 5 | Travelers | $998 |
| 6 | Auto-Owners | $1,007 |
| 7 | MO Farm Bureau | $1,021 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,109 |
| 10 | Cameron Mutual | $1,202 |
| 11 | American Family | $1,253 |
| 12 | State Farm | $1,271 |
| 13 | Safeco | $1,384 |
| 14 | MetLife | $1,415 |
| 15 | Shelter | $1,419 |
| 16 | Safe Auto | $1,419 |
| 17 | Progressive | $1,424 |
| 18 | California Casualty | $1,425 |
| 19 | GEICO | $1,434 |
| 20 | Auto Club | $1,533 |
| Get Personalized Rates Go | ||
USAA quotes some of the best car insurance rates in Kansas City at around $642 a year. The Hartford, Allied, Electric, and Travelers also are some of the cheaper Kansas City, MO insurance companies.
As depicted above, if you are a customer of Electric and switched to USAA, you could see yearly savings of approximately $233. Customers with Travelers might save as much as $356 a year, and Auto-Owners policyholders might see rate reductions of $365 a year.
To find out how much you can save, click here to get a free quote or feel free to get quotes from the companies below.
Bear in mind that those estimates are averaged across all drivers and vehicles and and are not figured with a vehicle location for a Ford Escape. So the insurer that has the lowest price for you may not even be in the top 23 companies shown above. That is why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
The illustration below highlights how deductible choice can change premium costs when quoting cheap insurance for a Ford Escape. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could reduce rates by $186 a year by changing from a $100 deductible up to a $500 deductible, or save $280 by switching to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could roll back prices as much as $618 each year by selecting a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is necessary to have enough savings to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Full coverage rates compared to liability-only
Buying cheaper insurance should be important to most vehicle owners, and an easy way to pay less for insurance for a Ford Escape is to not buy full coverage. The example below shows the difference between insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The premiums assume no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $1,262 per year more than carrying just liability coverage. A very common question is if you should buy full coverage. There is no exact formula to drop comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after you pay the deductible. If you are paying over $200 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some situations where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Why you should shop around for Escape insurance
Kansas City insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Getting older, moving to a new city, or getting a ticket for running a stop sign can trigger price changes that can now make some companies more affordable than the competition.
Additionally, car insurance companies change prices at least once a year to adjust for heavy claims or excess profits. A period of higher than normal claims can result in higher prices, while profitable underwriting can produce lower-priced Escape insurance rates.
The chart below compares the cheapest car insurance in Kansas City, MO for a 45-year-old male driver with a good driving record, no prior claims, and good credit. If we estimate rates based on his personal profile, USAA might quote the cheapest car insurance rates in Kansas City at $833 annually. This is $429 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are the remainder of the cheapest Kansas City, MO auto insurance companies.
Now let’s give the driver from the first example a chargeable accident, a lower credit rating, and a speeding ticket. Since each insurance company uses their own method for establishing rates, comparing quotes may result in a new list of companies as shown below.
MO Farm Bureau now has the best price in Kansas City with The Hartford, Nationwide, Farmers, and Cameron Mutual now rounding out the top five. This example shows why drivers need to perform a complete rate comparison to get the cheapest car insurance rates for a Ford Escape.
Car insurance prices can be determined by many things and can increase or decrease at any time, so the best option the last time you shopped around may now be an over-priced policy.
If you prefer to have some advice when comparing insurance rates for an Escape, the agents shown below can probably help you decide which policy is best.
To find an auto insurance agency in your neighborhood, click the button below the list or click here to compare price quotes now.
- Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 - Allen Jones – State Farm Insurance Agent
8900 Wornall Rd – Kansas City, MO 64114 – (816) 361-6362 - Jamie Bilton – State Farm Insurance Agent
10901 Hickman Mills Dr Ste D – Kansas City, MO 64137 – (816) 763-5444 - Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208 – Prairie Village, MO 66208 – (800) 701-5909 - George Lounds – State Farm Insurance Agent
550 E 99th St – Kansas City, MO 64131 – (816) 941-0055
More Kansas City, MO insurance agents
How to find economical auto insurance for a Ford Escape
It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help you quote cheap coverage.
- If your vehicles are older, consider dropping full coverage
- Improve your credit
- Earn a discount by not filing claims
- Buying car and homeowners insurance together can save money
- Higher physical damage deductibles lower rates
- Drive vehicles with five-star safety ratings
- Compare prices frequently to find the best deal
That final tip is very critical, as we stressed in this write-up. Coverage prices can change considerably in a year, so don’t be afraid to change insurance companies if you can save money. Brand loyalty is great, but it isn’t a good idea if that loyalty ends up costing money that could be spent on other things. In just a few minutes you could compare prices to find cheaper insurance for a Ford Escape in Kansas City.