Ford C-Max Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 10, 2024
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The average insurance rates for a Ford C-Max Hybrid are $1,192 a year with full coverage. Comprehensive costs around $206, collision costs $368, and liability insurance is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,588. Teen drivers cost the most to insure at $4,674 a year or more.
Average premium for full coverage: $1,192
Policy rates for type of insurance:
Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all C-Max Hybrid models.
Price Range Variability
For the average driver, Ford C-Max Hybrid insurance rates go from as low as $510 for minimum levels of liability insurance to the much higher price of $2,588 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.
The example below illustrates how location impacts auto insurance rates.
The examples above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details estimated Ford C-Max Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $697
- Raising to $1,000 deductibles will save about $130 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,192
- Choosing pricier low deductibles will increase the cost to $1,446
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,588 or more
- Policy cost for full coverage for a teen driver for full coverage can be $4,674
Auto insurance rates for a Ford C-Max Hybrid also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age
Your home state also has a big influence on Ford C-Max Hybrid insurance rates. A middle-age driver might find rates as low as $860 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,610 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,078 | -$114 | -9.6% |
| Alaska | $914 | -$278 | -23.3% |
| Arizona | $990 | -$202 | -16.9% |
| Arkansas | $1,192 | -$0 | 0.0% |
| California | $1,358 | $166 | 13.9% |
| Colorado | $1,140 | -$52 | -4.4% |
| Connecticut | $1,224 | $32 | 2.7% |
| Delaware | $1,348 | $156 | 13.1% |
| Florida | $1,490 | $298 | 25.0% |
| Georgia | $1,100 | -$92 | -7.7% |
| Hawaii | $856 | -$336 | -28.2% |
| Idaho | $808 | -$384 | -32.2% |
| Illinois | $886 | -$306 | -25.7% |
| Indiana | $896 | -$296 | -24.8% |
| Iowa | $802 | -$390 | -32.7% |
| Kansas | $1,132 | -$60 | -5.0% |
| Kentucky | $1,626 | $434 | 36.4% |
| Louisiana | $1,764 | $572 | 48.0% |
| Maine | $736 | -$456 | -38.3% |
| Maryland | $984 | -$208 | -17.4% |
| Massachusetts | $954 | -$238 | -20.0% |
| Michigan | $2,070 | $878 | 73.7% |
| Minnesota | $998 | -$194 | -16.3% |
| Mississippi | $1,428 | $236 | 19.8% |
| Missouri | $1,056 | -$136 | -11.4% |
| Montana | $1,280 | $88 | 7.4% |
| Nebraska | $940 | -$252 | -21.1% |
| Nevada | $1,430 | $238 | 20.0% |
| New Hampshire | $860 | -$332 | -27.9% |
| New Jersey | $1,334 | $142 | 11.9% |
| New Mexico | $1,056 | -$136 | -11.4% |
| New York | $1,256 | $64 | 5.4% |
| North Carolina | $686 | -$506 | -42.4% |
| North Dakota | $976 | -$216 | -18.1% |
| Ohio | $824 | -$368 | -30.9% |
| Oklahoma | $1,224 | $32 | 2.7% |
| Oregon | $1,092 | -$100 | -8.4% |
| Pennsylvania | $1,138 | -$54 | -4.5% |
| Rhode Island | $1,592 | $400 | 33.6% |
| South Carolina | $1,080 | -$112 | -9.4% |
| South Dakota | $1,006 | -$186 | -15.6% |
| Tennessee | $1,044 | -$148 | -12.4% |
| Texas | $1,438 | $246 | 20.6% |
| Utah | $882 | -$310 | -26.0% |
| Vermont | $816 | -$376 | -31.5% |
| Virginia | $714 | -$478 | -40.1% |
| Washington | $922 | -$270 | -22.7% |
| West Virginia | $1,092 | -$100 | -8.4% |
| Wisconsin | $824 | -$368 | -30.9% |
| Wyoming | $1,062 | -$130 | -10.9% |
Choosing high deductibles can reduce rates by up to $390 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium every year, depending on your age. Ford C-Max Hybrid insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Ford C-Max Hybrid | $220 | $400 | $460 | $1,238 |
| 2017 Ford C-Max Hybrid | $206 | $368 | $460 | $1,192 |
| 2016 Ford C-Max Hybrid | $198 | $346 | $464 | $1,166 |
Rates are averaged for all Ford C-Max Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Ford C-Max Hybrid Insurance
Finding cheaper rates on Ford C-Max Hybrid insurance consists of being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a brief recap of the primary concepts that were touched on above.
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
- High-risk drivers who tend to receive serious violations pay an average of $1,400 more every year to insure their C-Max Hybrid
- Increasing comprehensive and collision deductibles can save around $375 each year
- Teen drivers are expensive to insure, as much as $390 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,674 |
| 20 | $2,762 |
| 30 | $1,226 |
| 40 | $1,192 |
| 50 | $1,092 |
| 60 | $1,070 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,326 |
| $500 | $1,192 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,192 |
| 50/100 | $1,284 |
| 100/300 | $1,399 |
| 250/500 | $1,698 |
| 100 CSL | $1,330 |
| 300 CSL | $1,583 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,626 |
| 20 | $4,404 |
| 30 | $2,626 |
| 40 | $2,588 |
| 50 | $2,476 |
| 60 | $2,454 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $83 |
| Total Discounts | $495 |
Discounts are estimated and may not be available from every company or in every state.
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