Who Has the Cheapest Miami Auto Insurance for a Ford Escape?

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Finding economical coverage for a Ford Escape in Florida depends on a large number of factors such as how far you commute, where you live, and any prior driving offenses you have. Florida drivers will pay on average $1,045 a year for Escape insurance, but that figure is a valuation based upon a 40-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

There's a high likelihood you may not be 40 years old (or even female), single instead of married, or you just want cheap liability insurance instead of full coverage. This illustrates why the best method for finding affordable rates for your Ford is to do the rate comparisons yourself. Quotes are free and easy and you can get rates from some of the best insurers that insure Ford vehicles in Florida.

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The specific model of Escape has an effect on the annual cost of coverage, so the rate you pay to insure a Escape XLS 2WD will be $130 lower than the cost to insure the more costly Escape Limited 4WD model, as demonstrated by the prices below.

Ford Escape Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $242 $438 $372 $22 $112 $1,186 $99
Escape XLS 4WD $242 $438 $372 $22 $112 $1,186 $99
Escape XLT 2WD $242 $438 $372 $22 $112 $1,186 $99
Escape Limited 2WD $278 $438 $372 $22 $112 $1,222 $102
Escape XLT 4WD $278 $438 $372 $22 $112 $1,222 $102
Escape Limited 4WD $278 $532 $372 $22 $112 $1,316 $110
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can increase or decrease insurance rates noticeably.

Deciding which companies have the cheapest car insurance rates for a Ford Escape will involve a little more sweat than just comparing rates from one or two companies. Each company has a unique formula for determining rates, so we'll go over the lowest cost car insurance companies in Florida.

We do need to point out that Miami car insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Turning one year older, moving to a different location, or getting a ticket for careless driving can produce rate changes that can cause some rates to be more affordable than competitors.

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Cheapest auto insurance in Florida ranked by cost per year
Rank Company Cost Per Year
1 USAA $986
2 Electric $1,746
3 Amica $1,746
4 Progressive $1,793
5 Mercury $1,933
6 Travelers $1,945
7 Allied $2,004
8 Esurance $2,082
9 Auto-Owners $2,107
10 GEICO $2,108
11 State Farm $2,110
12 Allstate $2,388
13 21st Century $2,445
14 Windhaven Insurance $2,549
15 Safeco $2,898
16 Hanover $2,934
17 MetLife $2,958
18 Liberty Mutual $3,101
19 United Automobile $3,422
20 Direct General $3,902
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USAA offers some of the best car insurance rates in Miami at around $986 annually. This is $1,462 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury would also be considered some of the lowest-priced Miami, FL auto insurance companies.

As shown in the table above, if you buy coverage from Mercury and switched to Electric, you could see savings of around $187. Drivers with Travelers could save as much as $199 a year, and Allied customers might see rate reductions of $258 a year.

To find the cheapest coverage for you, click here or quote prices from the following companies.

Be aware that those rates are averages across all drivers and vehicles in Florida and are not factoring in an exact vehicle garaging location for a Ford Escape. So the company that fits your age and vehicle best may not even be in the top 21 companies shown above. That is why you need to get rate quotes using your own personalized driver profile and vehicle information.

The chart below illustrates how choosing a deductible can impact insurance prices when searching for cheap insurance for a Ford Escape. The rates are based on a single female driver, comp and collision included, and no other discounts are factored in.

In the chart above, a 50-year-old driver could pocket $344 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $522 by switching to a $1,000 deductible. Young drivers, like the 20-year-old example, could shave $866 every year by selecting a higher deductible.

If you do decide to increase your deductibles, it is essential to have enough savings to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

You may be paying too much for Escape insurance

Miami car insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. Simply turning a year older, buying a home instead of renting, or getting a couple of tickets may cause policy rate changes that can make some companies cheaper than others. Also, car insurance companies change prices as often as every three months to adjust for gains or losses. Heavy losses may cause price increases, while lower claims can cause more affordable Escape insurance rates.

To illustrate this example, the graph below shows the company with the cheapest car insurance in Miami, FL for a 35-year-old male driver with no accidents, a clean driving record, and good credit. When quoting prices based on his current risk profile, USAA might quote the best car insurance rates in Miami at $1,904 each year. This is $544 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also on the list of the best Miami, FL auto insurance companies.

Now we will give the driver from the first rate comparison a couple of claims, bad credit, and a few blemishes on his driving record. Since every car insurance company has their own guidelines for establishing rates, comparing insurance quotes may now present a substantially altered list of affordable Miami car insurance companies as shown below.

USAA now has the cheapest rate in Miami, FL with Mercury, Esurance, State Farm, and Auto-Owners completing the list. This example shows why it is so important to take the time to shop around when trying to find cheap auto insurance quotes for a Ford Escape. Car insurance prices can be determined by many things and change dramatically, so the cheapest rate the last time you shopped around may now be one of the higher cost companies.