Buying the cheapest car insurance for a Ford Escape in Oregon hinges on lots of different factors such as how long your commute is, the likelihood of vehicle theft, and any prior driving offenses you have. Oregon drivers pay around $945 per year to insure their Escape, but that amount is an estimate using a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
More likely than not, you are not 30 years old and maybe not even male, maybe you are married instead of single, and you might want liability-only or different deductibles. Just a very minor change in rating variables can result in a massive change in the cost of insurance for a Ford Escape.
The different assumptions illustrate why the only way to find the cheapest insurance price for your Ford is to compare rates from as many companies as possible.
Your vehicle’s trim level will influence the cost of insurance, so the rate you pay to insure a Escape XLS 2WD trim level will be $110 less than the cost to insure the higher-priced Escape Limited 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$246||$342||$356||$22||$106||$1,072||$89|
|Escape XLS 4WD||$246||$342||$356||$22||$106||$1,072||$89|
|Escape XLT 2WD||$246||$342||$356||$22||$106||$1,072||$89|
|Escape Limited 2WD||$282||$342||$356||$22||$106||$1,108||$92|
|Escape XLT 4WD||$282||$342||$356||$22||$106||$1,108||$92|
|Escape Limited 4WD||$282||$416||$356||$22||$106||$1,182||$99|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in vehicle garaging location which can affect rates greatly.
Selecting the highest-rated company can be challenging considering how many different companies sell coverage in Oregon. The company information displayed below may help you select which auto insurers to look at comparing price quotes from. The ratings below only include large insurance companies, so companies with more of a regional focus will not be included in this list.
Top 10 Major Auto Insurance Providers in Portland Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Progressive – A+
- The General – A-
Discount Portland car insurance
Auto insurance companies that sell policies for a Ford Escape may also offer price discounts that could reduce prices by 40% or more if you are eligible. The best insurance companies and a partial list of their discounts are shown below.
- State Farm includes discounts for accident-free, student away at school, multiple autos, driver’s education, and good driver.
- Liberty Mutual may have discounts that include exclusive group savings, newly retired, hybrid vehicle, teen driver discount, new move discount, safety features, and good student.
- American Family policyholders can earn discounts including air bags, Steer into Savings, TimeAway discount, good student, and bundled insurance.
- Progressive may include discounts for online quote discount, continuous coverage, homeowner, multi-vehicle, online signing, multi-policy, and good student.
- Farmers Insurance has discounts for multi-car, teen driver, distant student, pay in full, homeowner, mature driver, and switch companies.
- Auto-Owners Insurance may offer discounts for air bags, good student, safe driver, company car, multiple vehicles, and paperless.
- SAFECO offers premium reductions for anti-lock brakes, accident prevention training, safe driver, multi-car, and teen safety rewards.
The information below shows the difference between car insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, anti-theft, defensive driving course, claim-free, homeowner, and multiple vehicle discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for a Ford Escape is 28% or $441.
Why you should be shopping around
Portland insurance rates are calculated based on many things which can substantially change the price of your policy. Simply turning a year older, buying higher coverage limits, or getting a DUI can trigger price changes resulting in some rates now being cheaper than others. In addition, insurers amend pricing as needed as an adjustment for underwriting gains or losses. A period of increased losses may cause additional price hikes, while long-term profits may cause more affordable Escape insurance rates.
To illustrate this example, the bar chart below shows a variety of companies that have the cheapest car insurance in Portland, OR for a 40-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. If we look at prices based on his current situation, Grange may offer the best car insurance rates in Portland at $917 each year. This is $561 less than the average price paid by Oregon drivers of $1,478. Country, Oregon Mutual, USAA, and Travelers also make the list of the cheapest Portland, OR auto insurance companies.
The chart below compares rates after we give the driver in the first chart an accident claim, poor credit, and a blemish on his driving record. Because each insurer uses their own formula for establishing rates, getting updated rate quotes will most likely result in a slightly different list of affordable companies as shown below.
Amica now has the lowest price in Portland with GEICO, Allied, Country, and Mutual Enumclaw completing the list. This example demonstrates why consumers need to shop around to get the most budget-friendly car insurance quotes for a Ford Escape. Car insurance prices are made up of many different factors and change dramatically, so the most economical company three years ago may now be wasting a lot of money.
How to find more affordable auto insurance for a Ford Escape
The list below summarizes some of the recommended thrifty suggestions that can help you quote low-cost car insurance.
- Safer vehicles cost less to insure
- Don’t waste money on full coverage for older vehicles
- Save money by bundling your home and auto policies
- Higher deductibles save money
- Good credit scores may make rates cheaper
- Try to remain claim-free
- Shop around for cheaper prices
That final tip is particularly crucial, as we pointed out in this write-up. Insurance prices in Portland can be modified anytime, so don’t be tentative to change insurance companies if a better deal can be had.
Staying with the same company for years is fine, but we do not recommend it if your bullheadedness ends up costing you a wad of cash every year. In just a couple of minutes you could compare rates and find cheaper car insurance for a Ford Escape.
If you would rather get some help when buying car insurance for an Escape, the agents shown below are willing to help you decide which coverage meets your needs best. To find a Portland insurance agent close to where you live, click the link after the list or click here to get price quotes now.
- Focus 1 Insurance
1500 NW 18th Ave #107 – Portland, OR 97209 – (503) 206-6588
- Bill Northfield – State Farm Insurance Agent
5915 SE 43rd Ave – Portland, OR 97206 – (503) 775-8202
- Vu Han – State Farm Insurance Agent
322 NE 82nd Ave – Portland, OR 97220 – (503) 252-1114
- Ricky Hayter – State Farm Insurance Agent
7112 NE Sandy Blvd – Portland, OR 97213 – (503) 253-9315
- Reggie Guyton – State Farm Insurance Agent
8180 N Lombard St – Portland, OR 97203 – (503) 289-3601