Ford Escape Hybrid Insurance Rates

The average auto insurance rates for a Ford Escape Hybrid are $1,064 annually with full coverage. Comprehensive costs approximately $170, collision costs $262, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,300. Teens cost the most to insure at $4,266 a year or more.

Average premium for full coverage: $1,064

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, 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 the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $638
• Choosing higher $1,000 deductibles can save $100 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,064
• Selecting pricier low deductibles for comp and collision coverage will cost $1,252
• High-risk insureds with serious driving violations could pay around $2,300 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $4,266 each year

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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 clean driving record and high physical damage 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 without any violations or accidents they can expect to pay in the ballpark of $4,200 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 $1,800 extra every year, depending on your age. Ford Escape Hybrid insurance for high-risk drivers ranges anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 each year, 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 $426 more per year. View Rates by Deductible or Liability Limit

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 have to pay at least $1,440 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 as many companies as possible. Each auto insurer calculates rates differently, so the 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 the Best Cheap Ford Escape Hybrid Insurance

Finding cheaper rates on Ford Escape Hybrid insurance takes being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the car insurance concepts covered above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,240 more per year than a safer driver
• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers who purchase an increased level of liability coverage will pay approximately $520 every year to raise limits from a 30/60 limit to higher 250/500 limits