This article would sure be shorter if we could just tell you the company that has the lowest rates in Pennsylvania. It’s not quite that easy, unfortunately, as there are a lot of unknown aspects like the area where you live, your financial stability, and whether you are female or male, that all factor into the price you pay. We are going to cover some of these topics and also should give you a jump start in finding the best auto insurance in Pennsylvania.
Finding budget auto insurance is not the easiest thing to accomplish, and deciding which companies have the cheapest insurance rates for a Ford Escape will involve a bit more work. Every car insurance company has a unique formula for setting prices, so to begin we’ll rank the insurance companies with the overall best prices in Pittsburgh, PA.
Lowest Insurance Price Quotes for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | USAA | $785 |
| 3 | Erie | $792 |
| 4 | Travelers | $803 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $963 |
| 7 | Amica | $992 |
| 8 | Atlantic States | $1,036 |
| 9 | Donegal Mutual | $1,102 |
| 10 | GEICO | $1,111 |
| 11 | Allied | $1,144 |
| 12 | State Farm | $1,198 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,241 |
| 15 | Encompass | $1,385 |
| 16 | Harleysville | $1,396 |
| 17 | Progressive | $1,429 |
| 18 | Mutual Benefit Group | $1,454 |
| 19 | Nationwide | $1,477 |
| 20 | Chubb | $1,583 |
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General Casualty normally has some of the cheapest car insurance rates in Pittsburgh at around $726 a year. This is $931 less than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National also are some of the best Pittsburgh, PA car insurance companies.
As shown in the rates above, if you are a policyholder with Travelers and switched to USAA, you might realize a yearly price reduction of in the vicinity of $18. Customers with Penn National may save as much as $47 a year, and Auto-Owners policyholders might cut rates by $178 a year.
It’s important to note that these prices are averaged across all types of insureds and vehicles and and are not calculated with an exact location for a Ford Escape. So the car insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.
One of the many factors that determine the amount you pay each year for auto insurance is the neighborhood you call home. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The illustration below rates the highest-priced areas in Pennsylvania for a Ford Escape to purchase car insurance in. Pittsburgh makes the list at #14 with an annual cost of $1,053 for car insurance, which is around $88 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $2,037 |
| 2 | Drexel Hill | $1,489 |
| 3 | Chester | $1,393 |
| 4 | Levittown | $1,365 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,130 |
| 7 | Erie | $1,104 |
| 8 | Plum | $1,089 |
| 9 | Hazleton | $1,088 |
| 10 | Reading | $1,066 |
| 11 | Municipality of Monr | $1,059 |
| 12 | Easton | $1,058 |
| 13 | Bethlehem | $1,055 |
| 14 | Pittsburgh | $1,053 |
| 15 | Scranton | $1,049 |
| 16 | Wilkes-Barre | $1,047 |
| 17 | Altoona | $1,032 |
| 18 | Harrisburg | $1,025 |
| 19 | New Castle | $1,015 |
| 20 | Williamsport | $996 |
| Find Cheaper Insurance Go | ||
Table data uses estimated as specific location information can alter premiums significantly.
The vehicle model needing coverage is a large factor that determines whether or not you find low-cost coverage for a Ford Escape. Vehicles with limited top-end speed, advanced safety features, or a low likelihood of having liability claims will cost much less to insure than higher performance models.
The list below illustrates car insurance prices for some of the cheapest automobiles to insure in Pennsylvania.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,250 |
| Toyota Prius | $1,389 |
| Ford Explorer Eddie Bauer 2WD | $1,399 |
| Honda CR-V EX-L 4WD | $1,449 |
| Toyota RAV4 2WD | $1,479 |
| Toyota Tacoma Double Cab 4WD | $1,510 |
| Dodge Grand Caravan SXT | $1,519 |
| Ford F-150 XLT Regular Cab 4WD | $1,532 |
| Toyota Corolla LE | $1,557 |
| Jeep Grand Cherokee Limited 2WD | $1,588 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,594 |
| Honda Odyssey Touring | $1,588 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,593 |
| Chevrolet Malibu Hybrid | $1,620 |
| Ford Edge SEL 2WD | $1,631 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,638 |
| Honda Accord EX 2-Dr Coupe | $1,663 |
| Hyundai Sonata SE 4-Dr Sedan | $1,671 |
| Chevrolet Equinox LT 2WD | $1,668 |
| Ford Focus SEL 4-Dr Sedan | $1,709 |
| Find Cheaper Rates Go | |
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can raise or lower premium rates greatly.
Looking at the data, you can assume that models like the Ford Escape, Toyota Prius, Ford Explorer, Honda CR-V, and Toyota RAV4 are most likely to be a few of the most affordable vehicles to insure for an Escape.
Bad driving habits will cost you more
In a perfect world, the ideal way to obtain good insurance premiums in Pennsylvania for an Escape is to drive safe and not have accidents or get tickets. The illustration below shows how traffic citations and at-fault claims increase car insurance rates for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of auto insurance in Pennsylvania per year with no accidents or violations is $1,565. Get two speeding tickets and the average cost surges to $2,149, an increase of $584 each year. Now add one accident along with the two speeding tickets and the 12-month cost of insurance for a Ford Escape increases to an average of $2,753. That’s an increase of $1,188, or $99 per month, just for not driving carefully!
Discount Pittsburgh auto insurance rates
Insurance companies that sell policies for a Ford Escape may also give you special discounts that can reduce rates by 35% or more if you are eligible to receive them. Companies and their offered discounts are shown below.
- State Farm may offer discounts for Drive Safe & Save, driver’s education, multiple autos, good student, passive restraint, student away at school, and Steer Clear safe driver discount.
- Progressive policyholders can earn discounts including multi-vehicle, online signing, online quote discount, good student, and continuous coverage.
- Travelers has savings for multi-car, driver training, new car, home ownership, and hybrid/electric vehicle.
- American Family may have discounts that include good driver, air bags, Steer into Savings, early bird, mySafetyValet, and multi-vehicle.
- Liberty Mutual offers premium reductions for good student, teen driver discount, new graduate, new vehicle discount, multi-policy, multi-car, and newly retired.
The illustration below illustrates the comparison of insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, homeowner, defensive driving course, claim-free, multiple vehicle, and safe-driver discounts applied. When these discounts are applied, the average savings per year on insurance for a Ford Escape is 28% or $431.
Rate comparison of full coverage and liability-only
Reducing premiums for insurance is the goal of most drivers, and one good way to reduce the cost of insurance for a Ford Escape is to only buy liability insurance. The illustration below visualizes the comparison of insurance costs when comparing full coverage to liability only. The data assumes no claims, a clean driving record, $100 deductibles, single status, 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 $1,889 per year over having just liability coverage. That is a large expense and it proposes the question if buying full coverage is worth the money. There is no definitive guideline for excluding physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
There are some situations where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
How to find economical car insurance for a Ford Escape
It’s not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help you buy lower-cost car insurance.
- Try to remain claim-free
- Choose a safer vehicle and pay lower rates
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buying home and auto insurance together can earn discounts
- Staying accident-free helps keep rates low
- Older vehicles may not need full coverage
- Compare rate quotes often
That last piece of advice is particularly vital, as was emphasized in this write-up. Prices in Pittsburgh fluctuate constantly, so don’t be hesitant to buy a policy from a new company if a more affordable price is available. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that devotion results in you overpaying a considerable chunk of change every month. In just a couple of minutes you could compare prices and find cheaper insurance for a Ford Escape.