Finding the best cheap insurance for a Ford Escape is dependent upon a large number of factors such as age of the driver, the likelihood of vehicle theft, and citations or violations on your driving record. Drivers in Massachusetts will pay around $863 annually for Escape insurance, but that is an estimate based on a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 50 and maybe not even a female, you might be married instead of single, and you may just want the cheapest liability coverage you can find. There is no perfect policy for every driver, so the way we recommend to find affordable rates for your Ford is to put in the effort to do a thorough rate comparison.
Your vehicle’s trim level will influence the coverage cost, so the price you will pay to insure a Escape XLS 2WD model will cost $104 less than the price to insure the high end Escape Limited 4WD version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $194 | $350 | $322 | $18 | $96 | $980 | $82 |
| Escape XLS 4WD | $194 | $350 | $322 | $18 | $96 | $980 | $82 |
| Escape XLT 2WD | $194 | $350 | $322 | $18 | $96 | $980 | $82 |
| Escape Limited 2WD | $222 | $350 | $322 | $18 | $96 | $1,008 | $84 |
| Escape XLT 4WD | $222 | $350 | $322 | $18 | $96 | $1,008 | $84 |
| Escape Limited 4WD | $222 | $426 | $322 | $18 | $96 | $1,084 | $90 |
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can affect coverage rates considerably.
Insuring your vehicle with a good quality auto insurance company can be difficult considering how many companies sell coverage in Boston. The ranking information in the next section could help you analyze which coverage providers to look at when trying to find cheaper insurance for a Ford Escape.
The ratings below are only made up of companies that write coverage in many states, so smaller companies that only insure vehicles in Massachusetts are not included in the list. To compare price quotes and find the cheapest rates for a Ford Escape, click here.
Top 10 Large Car Insurance Companies in Boston Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Allstate
- The Hartford
- Farmers Insurance
- Esurance
- AAA Insurance
Top 10 Large Car Insurance Companies in Boston Ranked by Value
- The Hartford
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
- American Family
- GEICO
- Liberty Mutual
Impact of violations and accidents on rates
A great way to find low car insurance rates in Massachusetts for an Escape is to drive safe and avoid accidents and traffic citations. The diagram below demonstrates how speeding tickets and at-fault collisions can influence insurance rates for each age group. The rate quotes are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of an auto insurance policy in Massachusetts per year with a clean driving record and no accidents is $1,638. Add in two speeding tickets and the average cost hikes up to $2,264, an increase of $627 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Ford Escape goes up to an average of $2,892. That’s an increase of $1,254, or $105 per month, just for not being more responsible behind the wheel!
A good deal can quickly turn bad
Massachusetts car insurance rates are impacted by many things which can substantially change the policy price. Improving your credit rating, getting married, or having an at-fault accident can trigger price changes that can now make some companies cheaper than before.
Not only may your risk profile change, but insurers file new rates as needed in order to remain profitable. Unexpectedly high claims can cause rate hikes, while a profitable period may produce more affordable Escape insurance rates.
For example, the graph below demonstrates which company has the cheapest car insurance in Boston, MA for a 30-year-old female driver with a clean driving record, no accidents, and good financial standing. If we estimate rates based on her current risk factors, State Farm has the lowest car insurance rates in Boston at $981 each year. This is $254 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group round out the rest of the best Boston, MA auto insurance companies.
The next chart shows rates after we give the driver in the first example a claim surcharge, slightly worse credit, and a couple of points charged on her driving record. Since each company has a unique approach for determining rates in each state, comparing insurance quotes may now result in a different set of affordable companies as shown below.
Progressive now has the cheapest insurance rate in Boston, MA with Norfolk and Dedham, USAA, Amica, and National Grange Mutual also being competitive. This example illustrates why Boston drivers need to compare rates when trying to get cheap car insurance rates for a Ford Escape. Prices are made up of many factors and change frequently, so the best company a year ago may now not even be in the top five.