Who Has Affordable Lexington Auto Insurance for a Ford Escape?

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

Finding the cheapest car insurance for a Ford Escape in Kentucky relies on an enormous amount of rating factors such as the age of the Escape, the performance level of your vehicle, and physical damage deductibles. Drivers will pay around $837 per year to insure their Escape, but that is based upon a 30-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.

But there is a high probability that you are not 30 years old and maybe not even male, possibly single instead of married, or maybe you want different physical damage deductibles. Having even a minor difference in rating variables or coverage information could end up with a large change in the amount insurance costs for a Ford Escape.

Having different needs demonstrates why the way we recommend to find cheap insurance prices for your Ford is to just take the time to compare rates yourself.

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Your vehicle's trim level will have an impact the insurance rate, so the rate you will pay to insure a Escape XLS 2WD model will be $108 cheaper than the price to insure the higher-priced Escape Limited 4WD model, as shown by the rates below.

Ford Escape Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $220 $350 $278 $16 $84 $948 $79
Escape XLS 4WD $220 $350 $278 $16 $84 $948 $79
Escape XLT 2WD $220 $350 $278 $16 $84 $948 $79
Escape Limited 2WD $252 $350 $278 $16 $84 $980 $82
Escape XLT 4WD $252 $350 $278 $16 $84 $980 $82
Escape Limited 4WD $252 $426 $278 $16 $84 $1,056 $88
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in zip code location which can raise or lower premium rates substantially.

Choosing a highly-rated car insurance company is hard considering how many different insurance companies sell coverage in Kentucky. The company ratings displayed below may help you choose which providers you want to consider comparing rates with. These ratings are only made up of large nationwide companies, so smaller companies that only insure vehicles in Kentucky are not included in the list.

Top 15 Car Insurance Companies for a Ford Escape in Kentucky
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
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Data Source: Insure.com Best Car Insurance Companies

Types of discounts on Lexington car insurance rates

Cheaper Lexington, KY car insurance for an EscapeAuto insurance companies that provide coverage for a Ford Escape may also give you price discounts that can reduce rates by as much as 40% or more if you meet the requirements. A list of companies and a partial list of their discounts are outlined below.

The example below illustrates the comparison of insurance rates with and without discounts applied to the policy premium. The premiums are based on a female driver, no violations or accidents, Kentucky state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, accident-free, anti-theft, multiple vehicle, vehicle safety, and safe-driver discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Ford Escape is 28% or $365.

Can you find cheaper Escape insurance?

Lexington, KY car insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Turning one year older, having a teenage driver, or getting a few speeding tickets can trigger changes in premium that can now make some companies cheaper than competitors. Also, insurance companies file new rates as often as every three months in order to protect their financial rating. An extended period of higher than normal claims can result in more expensive premiums, while lower claim expenses can result in cheaper Escape insurance rates.

The data below shows which company has the cheapest car insurance in Lexington, KY for a 45-year-old female driver with a clean driving record, no accidents, and great credit. Based on her personal risk profile, Cincinnati Insurance quotes the cheapest car insurance rates in Lexington at $1,148 per year. This is $995 less than the average rate paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the list of the cheapest Lexington, KY auto insurance companies.

Now we will pretend the driver in the first chart a claim or two, poor credit, and an imperfect driving record. Due to the fact that every insurance company has a proprietary method to establish rates, comparing quotes may now result in a significantly different list of affordable Lexington car insurance companies as shown below.

USAA now has the best auto insurance rate in Lexington, KY with Travelers, Kentucky Farm Bureau, State Farm, and Westfield also having competitive pricing. This example illustrates why it is critical to take the time to shop around to get the lowest car insurance rates for a Ford Escape.

Rates are calculated by many different factors and can increase or decrease at any time, so the most affordable company the last time you shopped around may now be wasting a lot of money.

How to find more affordable auto insurance for a Ford Escape

Below you'll find some of the better thrifty suggestions that can help you locate low-cost coverage.

That last tip is highly important, as we stressed in the prior article. Prices can change considerably in a year, so don't be hesitant to buy a policy from a new company if you can save money. Loyalty to a specific company is fine, but it's not recommended if that dedication is costing thousands of dollars over the life of your policy. In just a couple of minutes you could compare prices to find cheaper car insurance for a Ford Escape in Lexington.

The insurance agencies below are willing to aid you in deciding which policy fits your needs best, as lots of people like to get some help when buying car insurance for a Ford Escape. It's not always easy to find the best policy on your own, so insurance agents can give satisfaction knowing your coverage gives you adequate protection. To locate a Lexington insurance agent closest to you, click the button after the list.

Nationwide Insurance: Bryan Joseph Mitchell Agency
252 E Third St - Lexington, KY 40508 - (859) 293-2253

State Farm: Clint Conrad
201 Ruccio Way #120 - Lexington, KY 40503 - (859) 276-4366

Kentucky Insurance Inc
1750 Alexandria Dr - Lexington, KY 40504 - (859) 277-8877

Heritage Insurance Agency
3306 Clays Mill Rd #106 - Lexington, KY 40503 - (859) 219-1122

More insurance agents in Lexington, KY