Ford Escape Hybrid Insurance Rates

The average insurance prices for a Ford Escape Hybrid are $1,064 every 12 months for full coverage insurance. Comprehensive costs an estimated $170, collision insurance costs $262, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,300. Teenage drivers cost the most to insure at up to $4,266 a year.

Average premium for full coverage: $1,064

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below illustrates average Ford Escape Hybrid insurance rates for other coverage scenarios.

• The best discount rate is $638
• Raising to $1,000 deductibles will save approximately $100 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,064
• Using more expensive low deductibles increases the price to $1,252
• Drivers who are prone to accidents and violations could pay up to $2,300
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $4,266

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 model year and trim level.

Using high physical damage deductibles can reduce rates by up to $290 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,200 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 $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Ford Escape Hybrid insurance prices. A middle-age driver might find rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,440 on average in Florida, New York, and Michigan.

View Chart as Image

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 insurance for a Ford Escape Hybrid consists of having a decent driving record, having above-average credit, being claim-free, and possibly raising deductibles. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief review of the car insurance concepts touched on in this article.

• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,240 more annually than a driver with a clean driving record
• It is possible to save approximately $120 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Insureds who want additional liability coverage will pay an extra $520 annually to raise from a 30/60 limit to a 250/500 level