Ford Escape Hybrid Insurance Rates

The average auto insurance rates for a Ford Escape Hybrid are $1,104 annually with full coverage. Comprehensive insurance costs approximately $182, collision costs $286, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, with high-risk driver insurance costing $2,388 or more. Teenage drivers cost the most to insure at $4,398 a year or more.

Average premium for full coverage: $1,104

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Escape Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of making a decision based on 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 additional coverage and risk scenarios.

• The best discount rate is $658
• Choosing higher $1,000 deductibles can save $106 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,104
• Using pricier low deductibles for comp and collision coverage costs an additional $206 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,388 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost $4,398 each year

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Auto insurance rates for a Ford Escape Hybrid also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Ford Escape Hybrid insurance for high-risk drivers ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $320 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford Escape Hybrid insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,490 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

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 More Affordable Ford Escape Hybrid Insurance

Finding cheaper rates on insurance for a Ford Escape Hybrid takes being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a summary of the information touched on above.

• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Teen drivers have the highest car insurance rates, as much as $367 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,280 more per year to insure their Escape Hybrid
• Insureds who purchase more liability coverage will pay an extra $530 every year to raise limits from a 30/60 limit to higher 250/500 limits