Ford Escape Hybrid Insurance Rates

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

Average premium for full coverage: $1,064

Rate estimates by individual coverage type:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Escape Hybrid models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why all drivers should compare rates quotes using their specific location, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Ford Escape Hybrid insurance rates for additional coverage and risk scenarios.

• The best discount rate is $638
• Raising to $1,000 deductibles will save $100 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,064
• Using low deductibles bumps up the cost to $1,252
• Higher-risk drivers who are prone to accidents and violations could pay around $2,300 or more
• The cost that insures a teen driver can cost $4,266

View Chart as Image

Insurance rates for a Ford Escape Hybrid can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,200 a year. View Rates by Age

Where you live also has a big influence on Ford Escape Hybrid insurance rates. A middle-age driver might find rates as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,520 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $290 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.

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 More Affordable Ford Escape Hybrid Insurance

Saving money on Ford Escape Hybrid insurance consists of having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The next list is a summary of the material that was raised in the charts and tables above.

• Drivers who purchase increased levels of liability coverage will pay an extra $520 per year to raise from a minimum limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $356 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations will likely pay on average $1,240 more per year to buy Ford Escape Hybrid insurance
• Increasing deductibles can save approximately $300 each year