Ford C-Max Hybrid Insurance Rates
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UPDATED: May 10, 2024
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The average insurance rates for a Ford C-Max Hybrid are $1,290 a year for full coverage. Comprehensive costs approximately $230 a year, collision costs $446, and liability is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing around $2,808. 16-year-old drivers cost the most to insure at $4,994 a year or more.
Average premium for full coverage: $1,290
Policy rates by type of insurance:
Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and C-Max Hybrid trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford C-Max Hybrid insurance rates go from the low end price of $508 for just liability insurance to a high of $2,808 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above show why it is important to compare rates quotes using their specific location, instead of making a decision based on rate averages.
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.
More Rate Details
The chart below shows estimated Ford C-Max Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $746
- Raising to $1,000 deductibles will save $1,136 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,290
- Buying low $100 deductibles bumps up the cost to $1,590
- Drivers with multiple tickets or accidents could pay around $2,808 or more
- Policy cost that insures a 16-year-old driver can cost $4,994
Car insurance rates for a Ford C-Max Hybrid also range considerably based on the trim level of your C-Max Hybrid, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 138% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age
Your home state also has a big influence on Ford C-Max Hybrid insurance prices. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,168 | -$122 | -9.5% |
| Alaska | $990 | -$300 | -23.3% |
| Arizona | $1,070 | -$220 | -17.1% |
| Arkansas | $1,290 | -$0 | 0.0% |
| California | $1,472 | $182 | 14.1% |
| Colorado | $1,232 | -$58 | -4.5% |
| Connecticut | $1,326 | $36 | 2.8% |
| Delaware | $1,462 | $172 | 13.3% |
| Florida | $1,614 | $324 | 25.1% |
| Georgia | $1,190 | -$100 | -7.8% |
| Hawaii | $926 | -$364 | -28.2% |
| Idaho | $872 | -$418 | -32.4% |
| Illinois | $960 | -$330 | -25.6% |
| Indiana | $970 | -$320 | -24.8% |
| Iowa | $870 | -$420 | -32.6% |
| Kansas | $1,226 | -$64 | -5.0% |
| Kentucky | $1,760 | $470 | 36.4% |
| Louisiana | $1,910 | $620 | 48.1% |
| Maine | $798 | -$492 | -38.1% |
| Maryland | $1,064 | -$226 | -17.5% |
| Massachusetts | $1,032 | -$258 | -20.0% |
| Michigan | $2,242 | $952 | 73.8% |
| Minnesota | $1,080 | -$210 | -16.3% |
| Mississippi | $1,544 | $254 | 19.7% |
| Missouri | $1,144 | -$146 | -11.3% |
| Montana | $1,386 | $96 | 7.4% |
| Nebraska | $1,016 | -$274 | -21.2% |
| Nevada | $1,546 | $256 | 19.8% |
| New Hampshire | $930 | -$360 | -27.9% |
| New Jersey | $1,442 | $152 | 11.8% |
| New Mexico | $1,142 | -$148 | -11.5% |
| New York | $1,360 | $70 | 5.4% |
| North Carolina | $744 | -$546 | -42.3% |
| North Dakota | $1,056 | -$234 | -18.1% |
| Ohio | $890 | -$400 | -31.0% |
| Oklahoma | $1,326 | $36 | 2.8% |
| Oregon | $1,182 | -$108 | -8.4% |
| Pennsylvania | $1,230 | -$60 | -4.7% |
| Rhode Island | $1,722 | $432 | 33.5% |
| South Carolina | $1,168 | -$122 | -9.5% |
| South Dakota | $1,088 | -$202 | -15.7% |
| Tennessee | $1,128 | -$162 | -12.6% |
| Texas | $1,554 | $264 | 20.5% |
| Utah | $956 | -$334 | -25.9% |
| Vermont | $884 | -$406 | -31.5% |
| Virginia | $774 | -$516 | -40.0% |
| Washington | $996 | -$294 | -22.8% |
| West Virginia | $1,182 | -$108 | -8.4% |
| Wisconsin | $894 | -$396 | -30.7% |
| Wyoming | $1,150 | -$140 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $460 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Ford C-Max Hybrid | $238 | $474 | $452 | $1,322 |
| 2017 Ford C-Max Hybrid | $230 | $446 | $456 | $1,290 |
| 2016 Ford C-Max Hybrid | $220 | $400 | $460 | $1,238 |
Rates are averaged for all Ford C-Max 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 Find Cheaper Ford C-Max Hybrid Insurance
Finding cheaper rates on insurance for a Ford C-Max Hybrid consists of being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Comparison shop every couple of years by requesting quotes from direct carriers, and also from insurance agencies where you live.
The items below are a condensed summary of the material that was raised in the charts and tables above.
- Insureds who purchase more liability coverage will pay around $500 each year to raise from a 30/60 limit to the 250/500 level
- Teen drivers pay the highest auto insurance rates, costing up to $416 each month if full coverage is purchased
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,520 more per year to insure their C-Max Hybrid
- Increasing comprehensive and collision deductibles can save approximately $450 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,994 |
| 20 | $3,002 |
| 30 | $1,334 |
| 40 | $1,290 |
| 50 | $1,180 |
| 60 | $1,158 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,590 |
| $250 | $1,450 |
| $500 | $1,290 |
| $1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,290 |
| 50/100 | $1,381 |
| 100/300 | $1,495 |
| 250/500 | $1,792 |
| 100 CSL | $1,427 |
| 300 CSL | $1,678 |
| 500 CSL | $1,860 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,106 |
| 20 | $4,788 |
| 30 | $2,856 |
| 40 | $2,808 |
| 50 | $2,686 |
| 60 | $2,664 |
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 | $68 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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