Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Pittsburgh?

Finding cheap insurance for a Ford Escape in Pennsylvania relies on a complicated rating formula that uses factors such as how long your commute is, whether or not you have prior claims, and physical damage deductibles. Drivers in Pennsylvania will pay on average $743 a year to insure their Escape, but that figure is based on a 30-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.

But there is a good chance that you may not be 30 years old (or even male), possibly single instead of married, and maybe you want higher deductibles. Auto insurance is unique to each driver, so the only real way to find cheap auto insurance rates for your Ford is to do a thorough rate comparison.

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The trim level of your vehicle can impact the yearly cost, so the price you will pay to insure a Escape XLS 2WD model will be $88 cheaper than the price to insure the more costly Escape Limited 4WD version, as demonstrated by the prices below.

Ford Escape Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $180 $284 $280 $16 $84 $844 $70
Escape XLS 4WD $180 $284 $280 $16 $84 $844 $70
Escape XLT 2WD $180 $284 $280 $16 $84 $844 $70
Escape Limited 2WD $206 $284 $280 $16 $84 $870 $73
Escape XLT 4WD $206 $284 $280 $16 $84 $870 $73
Escape Limited 4WD $206 $346 $280 $16 $84 $932 $78
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location which can change price quotes considerably.

Insuring your vehicle with a high-quality car insurance provider can be challenging considering how many different companies there are to choose from in Pittsburgh. The company information shown next could help you analyze which coverage providers you want to consider purchasing coverage from. The ratings below are for companies with a national presence, so companies that only write business in Pennsylvania or surrounding areas are not factored into these rankings.

Best Auto Insurance Companies for a Ford Escape in Pennsylvania
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Illustration showing the impact of accidents and violations

The common sense way to maintain the best auto insurance premiums for an Escape is to drive cautiously and avoid getting tickets or having accidents. The illustration below illustrates how traffic citations and at-fault fender-benders can raise yearly insurance costs for different insured age categories. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $1,814. Add in one speeding ticket and the average cost swells to $2,053, an increase of $240 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Escape goes up to an average of $2,731. That’s an increase of $918, or $76 per month, just for not driving responsibly!

Does it make sense to buy full coverage?

Paying less for auto insurance should be important to the majority of vehicle owners, and one of the fastest ways to find cheaper insurance for a Ford Escape is to buy only liability coverage. The diagram below shows the comparison of premium costs when comparing full coverage to liability only. The rates are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are factored in.

As an overall average, full coverage on your policy costs an extra $1,889 per year over and above liability only. That brings up the question if you should buy full coverage. There is no definitive guideline of when to phase out full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your policy deductible. If it’s costing in excess of $400 annually for full coverage, then it may be the right time to buy liability only.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

The importance of shopping around

Pittsburgh, PA auto insurance rates are based on many factors which can substantially decrease or increase the policy premium. Simply getting older, having a teenage driver, or getting into an accident may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.

Additionally, auto insurance companies amend premium rates at least once a year as an adjustment for underwriting gains or losses. An unexpected high level of claims can cause price increases, while profitable underwriting may cause lower-cost Escape insurance rates.

To illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in Pittsburgh, PA for a 45-year-old male driver with a clear driving record, no claims, and great credit. Based on his current situation, General Casualty quotes the most affordable car insurance rates in Pittsburgh at $905 each year. This is $752 less than the average price paid by Pennsylvania drivers of $1,657. Erie, USAA, Travelers, and Penn National are also included in the top five cheapest Pittsburgh, PA auto insurance companies.

The chart below compares rates after we give the driver from the first rate comparison some claims, less-than-perfect credit, and a few blemishes on his driving record. Since each auto insurance company has their own guidelines for determining prices, comparing rates most likely will result in a substantially altered list of the cheapest car insurance companies in Pittsburgh as shown below.

Atlantic States now has the cheapest rate in Pittsburgh, PA with Amica, Donegal Mutual, Erie, and USAA now being in the top five. This shows why it is important to compare lots of rates when trying to find the best auto insurance quotes for a Ford Escape.

Insurance prices are impacted by many risk factors and change frequently, so the cheapest company three years ago may now be quite expensive.

How to find economical auto insurance for a Ford Escape

The list below shows a few thrifty ideas that can help Pennsylvania drivers locate lower-cost coverage.

The last item on the list is incredibly critical, as was emphasized in the article above. Prices go up and down frequently, so don’t be afraid to change insurance companies if you find a better deal.

Many consumers stick with the same company and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you major coinage every year. Take a few minutes and compare prices and find cheaper insurance for a Ford Escape in Pittsburgh.