Ford Escape Hybrid Insurance Rates

The average insurance rates for a Ford Escape Hybrid are $1,064 a year including full coverage. Comprehensive costs an estimated $170 each year, collision insurance costs $262, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,300. Teens cost the most to insure at up to $4,266 a year.

Average premium for full coverage: $1,064

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Escape Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down average Ford Escape Hybrid insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $638
• Using higher $1,000 deductibles will save approximately $100 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,064
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,252
• High-risk insureds with serious driving violations could pay up to $2,300
• Policy cost that insures a 16-year-old driver can cost as much as $4,266 or more

View Chart as Image

Auto insurance rates for a Ford Escape Hybrid also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,300 to $1,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 42% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,200 a year. View Rates by Age

Your home state has a huge impact on Ford Escape Hybrid insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,520 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $290 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Right Ford Escape Hybrid Insurance

Finding cheaper rates on insurance for a Ford Escape Hybrid requires being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the material that was presented in the illustrations above.

• Insureds who want more liability coverage will pay approximately $520 per year to increase from a 30/60 limit to the 250/500 level
• Teen drivers are the costliest to insure, with premiums being up to $356 each month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,240 more annually to insure their Escape Hybrid
• Increasing comprehensive and collision deductibles can save approximately $300 each year