Ford Escape Hybrid Insurance Rates

The average insurance rates for a Ford Escape Hybrid are $1,064 a year including full coverage. Comprehensive insurance costs an estimated $170, collision costs $262, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,300 or more. 16-year-old drivers cost the most to insure at $4,266 a year or more.

Average premium for full coverage: $1,064

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Escape Hybrid trim levels.

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 a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $638
• Using higher $1,000 deductibles will save approximately $100 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,064
• Buying more expensive low deductibles for physical damage coverage will cost an extra $188 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,300 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,266 or more

View Chart as Image

Insurance rates for a Ford Escape Hybrid also range considerably based on your risk profile, the model of your Escape Hybrid, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared 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 at least $1,520 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $290 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance can be from 42% to 136% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied 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 the Right Ford Escape Hybrid Insurance

Finding cheaper rates on insurance for a Ford Escape Hybrid requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick rundown of the ideas that were covered above.

• Drivers under the age of 20 are expensive to insure, with premiums being up to $356 each month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,240 more annually to insure a Ford Escape Hybrid
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save approximately $120 per year simply by shopping early and online