Ford Escape Hybrid Insurance Rates

The average insurance rates for a Ford Escape Hybrid are $1,104 a year for full coverage. Comprehensive costs an estimated $182, collision costs $286, and liability costs $478. A liability-only policy costs as little as $526 a year, with high-risk insurance 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 broken down by type of insurance:

Prices include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Escape Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $658
• Drivers who choose higher $1,000 deductibles will pay approximately $106 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,104
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,310
• Drivers with serious driving violations could pay up to $2,388 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,398 a year

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,300 a year. View Rates by Age

Your home state makes a big difference in Ford Escape Hybrid insurance prices. A 40-year-old driver could pay as low as $730 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,580 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $320 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $430 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 could be paying $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from multiple companies. Every company calculates rates differently, 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 Right Ford Escape Hybrid Insurance

Finding cheaper rates on insurance for a Ford Escape Hybrid not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a quick rundown of the data raised in the charts and tables above.

• Insureds who want increased levels of liability coverage will pay approximately $530 each year to go from a 30/60 limit to 250/500 limits
• Drivers can save approximately $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers age 20 and younger have the highest car insurance rates, costing up to $367 each month if full coverage is included