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

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Finding the cheapest coverage for a Ford Escape hinges on many factors such as driver age, your profession, and any prior driving citations you have received. Drivers pay around $1,039 each year to insure their Escape, but that price is an estimation calculated based on a 30-year-old single male driver with full coverage and $500 deductibles.

Odds are that you are not 30 years old and maybe not even male, possibly married instead of single, or maybe you're a renter instead of a homeowner. Insurance is an individual thing, so the only real way to find the cheapest rates for your Ford is to just compare rates yourself. In less than five minutes you will be able to compare rates from some of the best companies that insure Ford vehicles in Georgia.

Find Cheaper Ford Escape Insurance

Your vehicle's trim level tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Escape XLS 2WD trim level will be $110 less than the cost to insure the higher-end Escape Limited 4WD model, as shown below.

Ford Escape Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $246 $340 $438 $26 $132 $1,182 $99
Escape XLS 4WD $246 $340 $438 $26 $132 $1,182 $99
Escape XLT 2WD $246 $340 $438 $26 $132 $1,182 $99
Escape Limited 2WD $282 $340 $438 $26 $132 $1,218 $102
Escape XLT 4WD $282 $340 $438 $26 $132 $1,218 $102
Escape Limited 4WD $282 $414 $438 $26 $132 $1,292 $108
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in zip code location which can increase or decrease auto insurance rates greatly.

Finding the top car insurance provider can be a challenge considering how many companies are available to choose from in Atlanta. The information displayed below may help you select which coverage providers to look at when shopping around.

The ratings below are for companies with a national presence, so companies with more of a regional focus are not taken into consideration for the list. To get price quotes from these and other competitive companies, follow this link.

Top 10 Major Auto Insurance Companies in Atlanta Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Auto Insurance Companies in Atlanta Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

Full coverage versus liability only rates

Lowering the price of auto insurance should be important to most drivers, and one way to save on the cost of insurance for a Ford Escape is to not insure for full coverage. The example below illustrates the comparison of insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

If we average the cost for ages 20 through 70, physical damage insurance costs $1,650 per year more than carrying just liability coverage. That is a significant amount which raises the question if it's worth it to buy full coverage. There isn't a written rule of when to eliminate physical damage coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

There are some cases where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Why you are probably overpaying for Escape insurance

Atlanta auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of a policy. Improving your credit score, marrying your spouse, or getting caught speeding may cause policy rate changes that may make certain companies cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies change the rates they charge in Georgia as needed in order to remain profitable. Significantly higher losses may cause more expensive prices, while a better loss history can produce more affordable Escape insurance rates.

To help illustrate this point, the data below shows which companies have the cheapest car insurance in Atlanta, GA for a 45-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we estimate prices based on her current risk profile, Auto-Owners might offer the cheapest car insurance rates in Atlanta at $1,172 a year. This is $357 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are the remaining cheapest Atlanta, GA auto insurance companies.

Now we will pretend the driver from the first set of rates a chargeable claim, a lower credit rating, and a stop sign violation. Since each insurance company has a different process to set their prices, comparing insurance quotes may now show a substantially altered list of affordable Atlanta car insurance companies as shown below.

The Hartford now has the lowest price on auto insurance in Atlanta, GA with Travelers, Mercury, Safeco, and Allied completing the list. This example shows why it is so important to shop around with many companies when trying to find affordable car insurance quotes for a Ford Escape.

Rates consist of many things and can change substantially, so the best option when you last compared rates may now be one of the higher cost companies.

How to find economical insurance for a Ford Escape

Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help drivers find more affordable coverage.

The last item on the list is highly necessary, as was discussed in this write-up. Car insurance rates fluctuate constantly, so don't hesitate to change insurance companies if a lower-cost policy is available.

Sticking with a specific company is fine, but is isn't recommended if it's costing you hundreds every year. It takes less than five minutes to shop around to find cheaper auto insurance for a Ford Escape in Atlanta.