Ford Escape Hybrid Insurance Rates

The average insurance rates for a Ford Escape Hybrid are $1,064 a year with full coverage. Comprehensive costs an estimated $170, collision costs $262, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,300. 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:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. 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 has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $638
• Choosing higher $1,000 deductibles can save approximately $100 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,064
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,252
• High-risk insureds who are prone to accidents and violations could pay up to $2,300 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,266 each year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Escape Hybrid insurance rates. A good driver about age 40 could pay 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 save as much as $290 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,300 to $1,800 extra every year, depending on your age. Ford Escape Hybrid insurance for high-risk drivers ranges anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied 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 the Best Ford Escape Hybrid Insurance

Finding cheaper rates on Ford Escape Hybrid insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the ideas that were covered in the above illustrations.

• Teenagers have the highest car insurance rates, as much as $356 each month if full coverage is included
• High-risk drivers who tend to receive serious violations may pay on average $1,240 more annually for car insurance
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save approximately $120 per year simply by quoting online well ahead of the renewal date