Finding cheaper insurance for a Ford Escape in Colorado hinges on an enormous amount of rating factors such as how long your commute is, your geographic location, and your motor vehicle report. Drivers will pay around $989 annually for Escape insurance, but that price is a projection calculated using a 30-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
When projecting a rate like this, the problem is that you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe your Escape is old enough that it doesn’t require full coverage. Having the smallest difference in policy rating criteria or coverages may result in a big change in the policy rate.
The different assumptions illustrate why the best way to find the cheapest coverage for your Ford is to do the rate comparisons yourself.
The specific trim level will have an impact the coverage cost, so the cost to insure a Escape XLS 2WD trim level will cost $136 less than the price to insure the more well-appointed Escape Limited 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $264 | $448 | $298 | $18 | $90 | $1,118 | $93 |
| Escape XLS 4WD | $264 | $448 | $298 | $18 | $90 | $1,118 | $93 |
| Escape XLT 2WD | $264 | $448 | $298 | $18 | $90 | $1,118 | $93 |
| Escape Limited 2WD | $302 | $448 | $298 | $18 | $90 | $1,156 | $96 |
| Escape XLT 4WD | $302 | $448 | $298 | $18 | $90 | $1,156 | $96 |
| Escape Limited 4WD | $302 | $546 | $298 | $18 | $90 | $1,254 | $105 |
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in garaging location in Colorado Springs which can influence auto insurance rates significantly.
Selecting the top auto insurance provider can be a challenge considering how many companies are available to choose from in Colorado. The ranking information shown below may help you analyze which insurers to look at buying from.
These rankings are only comprised of companies with a nationwide focus, so smaller companies that only insure vehicles in Colorado will not be included in these rankings. To check prices and find the cheapest rates for a Ford Escape, click here.
Top 10 Large Auto Insurance Companies in Colorado Springs Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Nationwide
- Safeco
- Esurance
Top 10 Large Auto Insurance Companies Overall in Colorado Springs
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
Types of discounts on Colorado Springs insurance rates
Insurance companies that offer cheap quotes for a Ford Escape may also offer rate discounts that could reduce prices by 40% or more if you meet the requirements. Companies and a partial list of their discounts are:
- American Family may include discounts for mySafetyValet, early bird, Steer into Savings, TimeAway discount, accident-free, defensive driver, and air bags.
- Nationwide may offer discounts for anti-theft, accident-free, family plan, multi-policy, and Farm Bureau membership.
- MetLife offers premium reductions for multi-policy, claim-free, good student, good driver, and accident-free.
- 21st Century offers discounts including anti-lock brakes, defensive driver, early bird, student driver, automatic seat belts, and homeowners.
- Farmers Insurance includes discounts for mature driver, teen driver, alternative fuel, business and professional, multi-car, and early shopping.
- Allstate discounts include senior citizen, safe driver, premier discount, auto/life discount, early signing, and anti-lock brakes.
The diagram below shows the difference between premium costs with and without discounts applied to the policy premium. Data assumes a male driver, no claims or driving violations, Colorado state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, claim-free, multiple vehicle, multiple policy, vehicle safety, and safe-driver discounts applied. When discounts are applied, theamount saved on auto insurance for a Ford Escape is 27% or $566.
Low rates today, overpriced tomorrow
Colorado Springs, CO auto insurance rates are determined by lots of factors which can substantially decrease or increase the cost of coverage. Improving your credit rating, buying higher coverage limits, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies cheaper than competitors.
Also, car insurance companies modify rates at least once a year in order to maintain liquidity for claims. Unexpectedly high claims may cause additional price hikes, while long-term profits can result in cheaper Escape insurance rates.
For instance, the chart below compares the cheapest car insurance in Colorado Springs, CO for a 35-year-old female driver with no accidents or violations, and great credit. If we estimate rates based on her current risk factors, The Hartford might offer the most affordable car insurance rates in Colorado Springs at $1,038 per year. This is $540 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO are the remaining top five cheapest Colorado Springs, CO auto insurance companies.
The example below compares rates after we give the driver from above an at-fault accident, poor credit, and a speeding ticket. Since each company uses a different method for determining prices, analyzing rate quotes most likely will result in a completely different list of companies as shown below.
Travelers now has the lowest price on auto insurance in Colorado Springs with State Farm, Grange, American Family, and Progressive also being competitive. This demonstrates why it is crucial to spend some time comparing rates to find the most affordable auto insurance quotes for a Ford Escape.
Rates are impacted by many factors and can decrease or increase without notice, so the most economical option three years ago may now not even be in the top five.
The agencies below can aid you in deciding which policy fits your needs best, since some drivers wish to have a professional recommendation when comparing insurance rates for an Escape. It can be hard to find the best coverage yourself, so using a licensed agent can give you comfort knowing your coverage gives you enough coverage if you have a claim. To find a Colorado Springs insurance agent in your neighborhood, click the button below the list.
American Family Insurance – Michael Brandl Agency Inc.
1965 Dominion Way Ste 120 – Colorado Springs, CO 80918 – (719) 630-7557
State Farm: Jeff Libby
7610 N Union Blvd #115 – Colorado Springs, CO 80920 – (719) 593-9200
American Family Insurance – Michael Janzen Agency Inc.
1045 W Garden of the Gods Rd Ste M – Colorado Springs, CO 80907 – (719) 528-6387
Allstate Insurance: Wermers Agency Inc
1283 Kelly Johnson Blvd – Colorado Springs, CO 80920 – (719) 471-6777
Farmers Insurance – Mark Olsen
1870 Dublin Blvd e – Colorado Springs, CO 80918 – (719) 593-9916