Ford C-Max Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 10, 2024
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Average insurance rates for a Ford C-Max Hybrid are $1,192 a year with full coverage. Comprehensive insurance costs an estimated $206 each year, collision costs $368, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing $2,588 or more. Teenage drivers receive the highest rates at $4,674 a year or more.
Average premium for full coverage: $1,192
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and C-Max Hybrid models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $510 for minimum levels of liability insurance to a high rate of $2,588 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
These examples demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.
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 other coverage scenarios.
- The best discount rate is $697
- Raising to $1,000 deductibles will save approximately $130 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,192
- Using low deductibles will cost an extra $254 annually
- Drivers who are prone to accidents and violations could pay up to $2,588 or more
- The cost for full coverage for a 16-year-old driver can cost as much as $4,674
Insurance rates for a Ford C-Max Hybrid can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age
Where you live also has a big influence on Ford C-Max Hybrid insurance prices. A middle-age driver might find rates as low as $860 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,610 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $390 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different 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 Cheaper Ford C-Max Hybrid Insurance
Saving money on insurance for a Ford C-Max Hybrid consists of being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The items below are a condensed summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save approximately $140 per year simply by quoting online in advance
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,400 more annually to insure their C-Max Hybrid
- Increasing deductibles can save around $375 each year
- Teen drivers are expensive to insure, with premiums as much as $390 per month including comprehensive and collision insurance
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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