Ford Escape Hybrid Insurance Rates

The average auto insurance rates for a Ford Escape Hybrid are $1,064 annually for full coverage insurance. Comprehensive insurance costs approximately $170 a year, collision insurance costs $262, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,300 or more. Teens cost the most to insure at up to $4,266 a year.

Average premium for full coverage: $1,064

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and 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. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Ford Escape Hybrid insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $638
• Using higher $1,000 deductibles will save $964 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,064
• Selecting low $100 deductibles for physical damage coverage costs an additional $188 annually
• High-risk insureds with serious driving violations could pay around $2,300
• Policy cost with full coverage for a 16-year-old driver can cost $4,266 or more

View Chart as Image

Insurance rates for a Ford Escape Hybrid also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $290 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Escape Hybrid insurance prices. A driver around age 40 might see rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,440 on average in Florida, New York, and Michigan.

View Chart as Image

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 Buy the Best Cheap Ford Escape Hybrid Insurance

Finding cheaper rates on insurance for a Ford Escape Hybrid requires avoiding accidents and claims, having a good credit history, being claim-free, and possibly raising deductibles. Set aside time to compare rates every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick review of the coverage data covered above.

• It is possible to save around $120 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $356 each month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,240 more per year to insure a Ford Escape Hybrid