Ford Escape Hybrid Insurance Rates

Estimated insurance rates for a Ford Escape Hybrid are $1,064 a year with full coverage. Comprehensive insurance costs an estimated $170, collision costs $262, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,300 or more. Teenage drivers pay the most at $4,266 a year or more.

Average premium for full coverage: $1,064

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all Escape Hybrid models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

These rate differences demonstrate why everyone should compare rates quotes for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $638
• Raising to $1,000 deductibles will save approximately $100 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,064
• Using pricier low deductibles will cost an extra $188 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,300 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,266

View Chart as Image

Insurance prices for a Ford Escape Hybrid also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Escape Hybrid insurance rates. A middle-age driver might find prices as low as $770 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,440 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $290 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,300 to $1,800 additional annually, depending on your age. Ford Escape Hybrid insurance for high-risk drivers is expensive and can cost around 42% to 136% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different 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 More Affordable Ford Escape Hybrid Insurance

Finding better rates on auto insurance consists of having a decent driving record, having a good credit history, being claim-free, and maximizing policy discounts. Spend time shopping around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a summary of the material that was touched on above.

• Consumers who want additional liability coverage will pay an extra $520 every year to raise from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, possibly costing $356 per month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may pay on average $1,240 more annually than a driver with a clean driving record
• Increasing policy deductibles can save around $300 each year