Ford Escape Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
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 an estimated $170, collision costs $262, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,300 or more. Teenage 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:
Includes $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Escape Hybrid models.
Price Range Variability
For the normal driver, Ford Escape Hybrid insurance rates go from the cheapest price of $522 for the bare minimum liability coverage to the much higher price of $2,300 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The example below illustrates how geographic area affects insurance prices.
The examples above illustrate why everyone should compare prices for a targeted area and their own driving history, rather than relying on average rates.
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 Information
The chart below illustrates estimated Ford Escape Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $638
- Using higher $1,000 deductibles will save approximately $100 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,064
- Using pricier low deductibles for physical damage coverage costs an extra $188 a year
- Drivers who are prone to accidents and violations could pay up to $2,300 or more
- Policy cost to insure a teen driver for full coverage can cost as much as $4,266 or more
Car insurance rates for a Ford Escape Hybrid also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Using high physical damage deductibles could cut rates by as much as $290 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $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 $1,300 to $1,800 extra every year, depending on your age. Ford Escape Hybrid insurance for high-risk drivers can be anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Ford Escape Hybrid insurance rates. A driver around age 40 might see rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,440 on average in Florida, New York, and Michigan.
| 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 which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes 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 Cheapest Ford Escape Hybrid Insurance
Finding cheaper rates on Ford Escape Hybrid insurance requires not taking risks behind the wheel, maintaining a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a recap of the car insurance concepts presented in the illustrations above.
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,240 more annually for Escape Hybrid insurance
- It is possible to save approximately $120 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $300 each year
- Drivers who want higher liability limits will pay an extra $520 annually to increase from a 30/60 limit to a 250/500 level
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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