Ford Escape Hybrid Insurance Rates

Estimated insurance rates for a Ford Escape Hybrid are $1,064 a year for full coverage insurance. Comprehensive insurance costs around $170, collision costs $262, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,300 or more. Teenage drivers pay the most at $4,266 a year or more.

Average premium for full coverage: $1,064

Premium estimates for type of coverage:

Prices are based on $500 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Escape Hybrid trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using average rates.

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

Additional Rate Information

The chart below illustrates estimated Ford Escape Hybrid insurance rates for additional coverage choices and driver risks.

• The best discount rate is $638
• Choosing higher $1,000 deductibles can save about $100 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,064
• Using more expensive low deductibles for comp and collision coverage will cost an extra $188 each year
• Drivers who are prone to accidents and violations could pay at least $2,300 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage can be $4,266 each year

View Chart as Image

Auto insurance prices for a Ford Escape Hybrid also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Escape Hybrid insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,440 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $290 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,300 to $1,800 in extra premium annually, depending on your age. High-risk driver insurance ranges around 42% to 136% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Affordable Ford Escape Hybrid Insurance

Finding better rates on auto insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the data covered in the above illustrations.

• Consumers who may need higher liability limits will pay an extra $520 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• It is possible to save up to $120 per year simply by shopping early and online
• Increasing policy deductibles can save around $300 each year
• Teens are expensive to insure, with premiums being up to $356 per month if they have full coverage