Ford Escape Hybrid Insurance Rates

The average insurance prices for a Ford Escape Hybrid are $1,104 every 12 months for full coverage insurance. Comprehensive costs around $182 a year, collision costs $286, and liability coverage costs around $478. Buying just liability costs as low as $526 a year, with insurance for high-risk drivers costing around $2,388. Teens cost the most to insure at $4,398 a year or more.

Average premium for full coverage: $1,104

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Escape Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Ford Escape Hybrid insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $658
• Using higher $1,000 deductibles will save about $998 each year
• The average price for a good driver age 40 using $500 deductibles is $1,104
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,310
• Higher-risk drivers with serious driving violations could pay at least $2,388 or more
• Policy cost to insure a teenage driver can be $4,398 or more

View Chart as Image

Insurance rates for a Ford Escape Hybrid also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 a year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,300 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 at least $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average 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 $720 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,490 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company calculates rates differently, so the rates will be varied.

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 Shop for Affordable Ford Escape Hybrid Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief review of the primary concepts that were presented in the illustrations above.

• It is possible to save up to $130 per year simply by quoting early and online
• Drivers with DUI or reckless driving convictions may pay on average $1,280 more every year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Teenagers pay higher rates, possibly costing $367 each month if they have full coverage