Ford Escape Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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The average insurance prices for a Ford Escape Hybrid are $1,064 every 12 months for full coverage insurance. Comprehensive insurance costs on average $170 a year, collision costs $262, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,300 or more. Teen drivers cost the most to insure at $4,266 a year or more.
Average premium for full coverage: $1,064
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Escape Hybrid trim levels.
Price Range Variability
Using a middle-aged driver as an example, Ford Escape Hybrid insurance rates go from the cheapest price of $522 for minimum levels of liability insurance to a high of $2,300 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how where you live affects car insurance rates.
The examples above illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than using 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 illustrates estimated Ford Escape Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $638
- Raising to $1,000 deductibles will save around $964 each year
- The average price for a good driver age 40 with $500 deductibles is $1,064
- Choosing low $100 deductibles costs an extra $188 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,300 or more
- Policy cost to insure a teenage driver may cost $4,266
Insurance rates for a Ford Escape Hybrid also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Escape Hybrid.
Choosing high deductibles can reduce rates by up to $290 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $4,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 136% more than average. View High Risk Driver Rates
Your home state also has a big influence on Ford Escape Hybrid insurance rates. A middle-age driver might find rates as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,440 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $962 | -$102 | -9.6% |
| Alaska | $814 | -$250 | -23.5% |
| Arizona | $882 | -$182 | -17.1% |
| Arkansas | $1,064 | -$0 | 0.0% |
| California | $1,212 | $148 | 13.9% |
| Colorado | $1,016 | -$48 | -4.5% |
| Connecticut | $1,092 | $28 | 2.6% |
| Delaware | $1,204 | $140 | 13.2% |
| Florida | $1,332 | $268 | 25.2% |
| Georgia | $980 | -$84 | -7.9% |
| Hawaii | $764 | -$300 | -28.2% |
| Idaho | $718 | -$346 | -32.5% |
| Illinois | $792 | -$272 | -25.6% |
| Indiana | $800 | -$264 | -24.8% |
| Iowa | $716 | -$348 | -32.7% |
| Kansas | $1,010 | -$54 | -5.1% |
| Kentucky | $1,450 | $386 | 36.3% |
| Louisiana | $1,572 | $508 | 47.7% |
| Maine | $656 | -$408 | -38.3% |
| Maryland | $876 | -$188 | -17.7% |
| Massachusetts | $852 | -$212 | -19.9% |
| Michigan | $1,846 | $782 | 73.5% |
| Minnesota | $890 | -$174 | -16.4% |
| Mississippi | $1,274 | $210 | 19.7% |
| Missouri | $942 | -$122 | -11.5% |
| Montana | $1,142 | $78 | 7.3% |
| Nebraska | $838 | -$226 | -21.2% |
| Nevada | $1,276 | $212 | 19.9% |
| New Hampshire | $764 | -$300 | -28.2% |
| New Jersey | $1,188 | $124 | 11.7% |
| New Mexico | $942 | -$122 | -11.5% |
| New York | $1,120 | $56 | 5.3% |
| North Carolina | $612 | -$452 | -42.5% |
| North Dakota | $870 | -$194 | -18.2% |
| Ohio | $732 | -$332 | -31.2% |
| Oklahoma | $1,092 | $28 | 2.6% |
| Oregon | $974 | -$90 | -8.5% |
| Pennsylvania | $1,016 | -$48 | -4.5% |
| Rhode Island | $1,416 | $352 | 33.1% |
| South Carolina | $964 | -$100 | -9.4% |
| South Dakota | $898 | -$166 | -15.6% |
| Tennessee | $930 | -$134 | -12.6% |
| Texas | $1,282 | $218 | 20.5% |
| Utah | $788 | -$276 | -25.9% |
| Vermont | $728 | -$336 | -31.6% |
| Virginia | $636 | -$428 | -40.2% |
| Washington | $822 | -$242 | -22.7% |
| West Virginia | $974 | -$90 | -8.5% |
| Wisconsin | $738 | -$326 | -30.6% |
| Wyoming | $946 | -$118 | -11.1% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Escape Hybrid 2WD | $1,042 | $87 |
| Ford Escape Hybrid Limited 2WD | $1,064 | $89 |
| Ford Escape Hybrid 4WD | $1,064 | $89 |
| Ford Escape Hybrid Limited 4WD | $1,082 | $90 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Ford Escape Hybrid | $170 | $262 | $474 | $1,064 |
| 2011 Ford Escape Hybrid | $160 | $238 | $474 | $1,030 |
Rates are averaged for all Ford Escape 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 Shop for the Best Cheap Ford Escape Hybrid Insurance
Finding cheaper rates on auto insurance consists of having a decent driving record, having good credit, being claim-free, and bundling your home and auto policies. Take the time to comparison shop every couple of years by getting price quotes from direct insurance companies, and also from several local insurance agents.
The following items are a quick review of the material that was touched on in the above illustrations.
- Consumers who require additional liability coverage will pay about $520 annually to raise from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers pay the highest rates, possibly costing $356 each month if they have full coverage
- Drivers with a DUI or reckless driving violation pay on average $1,240 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save as much as $300 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,266 |
| 20 | $2,446 |
| 30 | $1,084 |
| 40 | $1,064 |
| 50 | $976 |
| 60 | $956 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,252 |
| $250 | $1,164 |
| $500 | $1,064 |
| $1,000 | $964 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,064 |
| 50/100 | $1,177 |
| 100/300 | $1,295 |
| 250/500 | $1,603 |
| 100 CSL | $1,224 |
| 300 CSL | $1,485 |
| 500 CSL | $1,675 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,022 |
| 20 | $3,904 |
| 30 | $2,322 |
| 40 | $2,300 |
| 50 | $2,198 |
| 60 | $2,176 |
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 | $54 |
| Multi-vehicle | $58 |
| Homeowner | $19 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $40 |
| Advance Quote | $48 |
| Online Quote | $72 |
| Total Discounts | $426 |
Discounts are estimated and may not be available from every company or in every state.
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