What Car Insurance is Cheapest for a Ford Escape in Henderson?

Buying the cheapest insurance for a Ford Escape in Nevada is pretty straightforward, but it relies on lots of different factors such as whether you are married or single, your credit score, and citations or violations on your driving record. Nevada drivers pay on average $677 annually to insure their Escape, but that price is a valuation using a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.

This brings up the issue that more than likely you’re not a 50-year-old female, you might be single instead of married, and you want different coverage limits than the example. Insurance is an individual thing, so the best method for finding cheap insurance prices for your Ford is to do your own rate comparisons.

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Vehicle trim level impacts the cost of coverage, so the price you will pay to insure a Escape XLS 2WD trim level will be $84 cheaper than the price to insure the more expensive Escape Limited 4WD version, as shown in the chart below.

Ford Escape Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $160 $274 $246 $14 $74 $768 $64
Escape XLS 4WD $160 $274 $246 $14 $74 $768 $64
Escape XLT 2WD $160 $274 $246 $14 $74 $768 $64
Escape Limited 2WD $184 $274 $246 $14 $74 $792 $66
Escape XLT 4WD $184 $274 $246 $14 $74 $792 $66
Escape Limited 4WD $184 $334 $246 $14 $74 $852 $71
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific location which can decrease or increase insurance rates significantly.

Finding decent, reasonably-priced car insurance is tough enough, and figuring out which company offers the most affordable insurance rates for a Ford Escape will take a little more work. Each insurance company has a proprietary method to determine premium rates, so let’s begin by examining the insurance companies with the overall best prices in Henderson.

It’s important that readers know that Henderson, NV insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. This price variation is why it is crucial to compare lots of rates to get the lowest car insurance rates for a Ford Escape. Auto insurance prices are made up of many factors and can change substantially, so the cheapest rate when you last compared rates may now be quite expensive.

Best Cheap Insurance Rates for Your Escape

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Rankings for the cheapest car insurance companies in Nevada
Rank Company Cost Per Year
1 Travelers $903
2 Allied $939
3 Capital $1,018
4 Progressive $1,190
5 Oregon Mutual $1,193
6 American Family $1,194
7 GEICO $1,269
8 Nationwide $1,282
9 USAA $1,284
10 Safeco $1,306
11 Farmers $1,496
12 MetLife $1,583
13 Country $1,651
14 State Farm $1,749
15 Mercury $1,753
16 Victoria $2,073
17 Liberty Mutual $2,183
18 Bristol West $2,313
19 Allstate $2,385
20 Encompass $2,710
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Travelers may have some of the most affordable car insurance rates in Henderson at around $903 annually. Allied, Capital, Progressive, and Oregon Mutual also qualify as some of the most economical Henderson, NV car insurance companies.

In this example, if you are a policyholder with Capital and switched to Travelers, you might achieve an annual savings of roughly $115. Nevada drivers with Progressive might save as much as $287 a year, and Oregon Mutual policyholders might lower prices by $290 a year.

These policy prices are averaged across all drivers and vehicles in Nevada and do not factor in an exact vehicle garaging location for a Ford Escape. So the car insurance company that can offer you the best rate may not even be in the top 20 companies shown above. That is why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Impact of citations and accidents on insurance rates

The easiest method to score the best insurance prices for an Escape is to drive attentively and avoid accidents and traffic violations. The chart below shows how violations and accident claims can raise yearly insurance costs for different insured age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of an auto insurance policy in Nevada per year with a clean driving record and no accidents is $1,810. Get one speeding ticket and the average cost swells to $2,037, an increase of $226 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for a Ford Escape jumps again to an average of $2,671. That’s an increase of $860, or $72 per month, just for not maintaining a clean driving record!

The chart below shows how choosing a deductible can increase or decrease insurance premiums when trying to find cheap insurance for a Ford Escape. Data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 40-year-old driver could lower their policy premium by $254 a year by increasing from a $100 deductible up to a $500 deductible, or save $388 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, could potentially save as much as $640 every year by choosing a larger deductible amount.

When using a larger deductible, it is a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Why are you paying too much for Escape insurance?

Nevada insurance rates are based on many factors which can substantially change the price you have to pay. Improving your credit rating, marrying your spouse, or getting a few speeding tickets can trigger changes in premium that can now make some companies cheaper than competitors. And not only may your rating factors change, but car insurance companies change rates multiple times each year to adjust for gains or losses. Unexpectedly high claims can result in price increases, while profitable underwriting can cause more affordable Escape insurance rates.

The bar chart below shows rates for the cheapest car insurance in Henderson, NV for a 45-year-old male driver with no accidents, a clean driving record, and a good credit history. When quoting prices based on his personal risk profile, Allied might quote the most affordable car insurance rates in Henderson at $1,431 annually. This is $143 less than the average rate paid by Nevada drivers of $1,574. Travelers, Capital, American Family, and Oregon Mutual round out the rest of the most affordable Henderson, NV auto insurance companies.

In this next rate comparison, we will give the driver from the first example a claim surcharge, less-than-perfect credit, and a speeding citation. Since each auto insurance company uses a different method for determining rates in each state, comparing rates may result in a significantly different list of cheap Henderson auto insurance companies as shown below.

GEICO now has the cheapest rate in Henderson with Travelers, Nationwide, USAA, and Safeco now being in the top five. This example proves why it is critical to do a thorough rate comparison to find the most affordable car insurance quotes for a Ford Escape. Prices can be altered by many factors and change dramatically, so the most economical company the last time you checked may now cost much more than other companies.

How to find economical car insurance for a Ford Escape

Below you’ll find some money-saving solutions that can help drivers buy lower-cost coverage.

That last tip is incredibly necessary, as was affirmed in the prior information. Auto insurance prices in Henderson vary greatly, so don’t be unwilling to switch carriers if a more affordable rate is found. Brand loyalty is not necessarily bad, but it’s not a great idea if that loyalty ends up costing big bucks every year. It only takes a couple minutes to compare prices to find cheaper auto insurance for a Ford Escape.