Ford C-Max Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 10, 2024
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The average insurance prices for a Ford C-Max Hybrid are $1,192 every 12 months for full coverage. Comprehensive insurance costs on average $206 a year, collision costs $368, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,588 or more. Teen drivers cost the most to insure at $4,674 a year or more.
Average premium for full coverage: $1,192
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and C-Max Hybrid trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford C-Max Hybrid insurance rates go from the cheapest price of $510 for just the minimum liability insurance to a high of $2,588 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects car insurance rates.
The examples above show why it is important to compare rates based on a specific location and their own driving history, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows estimated Ford C-Max Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $697
- Drivers who choose higher $1,000 deductibles will pay around $1,062 a year
- The average price for a good driver age 40 with $500 deductibles is $1,192
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $254 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,588 or more
- Policy cost to insure a teen driver may cost $4,674 a year
Auto insurance rates for a Ford C-Max Hybrid also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your C-Max Hybrid.
Choosing high deductibles could save up to $390 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than average. View High Risk Driver Rates
Your home state makes a big difference in Ford C-Max Hybrid insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,700 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,078 | -$114 | -9.6% |
| Alaska | $914 | -$278 | -23.3% |
| Arizona | $990 | -$202 | -16.9% |
| Arkansas | $1,192 | -$0 | 0.0% |
| California | $1,358 | $166 | 13.9% |
| Colorado | $1,140 | -$52 | -4.4% |
| Connecticut | $1,224 | $32 | 2.7% |
| Delaware | $1,348 | $156 | 13.1% |
| Florida | $1,490 | $298 | 25.0% |
| Georgia | $1,100 | -$92 | -7.7% |
| Hawaii | $856 | -$336 | -28.2% |
| Idaho | $808 | -$384 | -32.2% |
| Illinois | $886 | -$306 | -25.7% |
| Indiana | $896 | -$296 | -24.8% |
| Iowa | $802 | -$390 | -32.7% |
| Kansas | $1,132 | -$60 | -5.0% |
| Kentucky | $1,626 | $434 | 36.4% |
| Louisiana | $1,764 | $572 | 48.0% |
| Maine | $736 | -$456 | -38.3% |
| Maryland | $984 | -$208 | -17.4% |
| Massachusetts | $954 | -$238 | -20.0% |
| Michigan | $2,070 | $878 | 73.7% |
| Minnesota | $998 | -$194 | -16.3% |
| Mississippi | $1,428 | $236 | 19.8% |
| Missouri | $1,056 | -$136 | -11.4% |
| Montana | $1,280 | $88 | 7.4% |
| Nebraska | $940 | -$252 | -21.1% |
| Nevada | $1,430 | $238 | 20.0% |
| New Hampshire | $860 | -$332 | -27.9% |
| New Jersey | $1,334 | $142 | 11.9% |
| New Mexico | $1,056 | -$136 | -11.4% |
| New York | $1,256 | $64 | 5.4% |
| North Carolina | $686 | -$506 | -42.4% |
| North Dakota | $976 | -$216 | -18.1% |
| Ohio | $824 | -$368 | -30.9% |
| Oklahoma | $1,224 | $32 | 2.7% |
| Oregon | $1,092 | -$100 | -8.4% |
| Pennsylvania | $1,138 | -$54 | -4.5% |
| Rhode Island | $1,592 | $400 | 33.6% |
| South Carolina | $1,080 | -$112 | -9.4% |
| South Dakota | $1,006 | -$186 | -15.6% |
| Tennessee | $1,044 | -$148 | -12.4% |
| Texas | $1,438 | $246 | 20.6% |
| Utah | $882 | -$310 | -26.0% |
| Vermont | $816 | -$376 | -31.5% |
| Virginia | $714 | -$478 | -40.1% |
| Washington | $922 | -$270 | -22.7% |
| West Virginia | $1,092 | -$100 | -8.4% |
| Wisconsin | $824 | -$368 | -30.9% |
| Wyoming | $1,062 | -$130 | -10.9% |
Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Ford C-Max Hybrid | $220 | $400 | $460 | $1,238 |
| 2017 Ford C-Max Hybrid | $206 | $368 | $460 | $1,192 |
| 2016 Ford C-Max Hybrid | $198 | $346 | $464 | $1,166 |
Rates are averaged for all Ford C-Max Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Ford C-Max Hybrid Insurance
Finding cheaper rates on car insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every time your policy renews by quoting rates from direct carriers, and also from local independent and exclusive agents.
The following items are a summary of the information raised in the charts and tables above.
- Drivers can save as much as $140 per year simply by quoting early and online
- 16 to 18-year-old drivers are charged the highest rates, costing up to $390 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,400 more each year than a driver with a clean driving record
- Policyholders who require additional liability coverage will pay about $510 each year to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,674 |
| 20 | $2,762 |
| 30 | $1,226 |
| 40 | $1,192 |
| 50 | $1,092 |
| 60 | $1,070 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,326 |
| $500 | $1,192 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,192 |
| 50/100 | $1,284 |
| 100/300 | $1,399 |
| 250/500 | $1,698 |
| 100 CSL | $1,330 |
| 300 CSL | $1,583 |
| 500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,626 |
| 20 | $4,404 |
| 30 | $2,626 |
| 40 | $2,588 |
| 50 | $2,476 |
| 60 | $2,454 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $83 |
| Total Discounts | $495 |
Discounts are estimated and may not be available from every company or in every state.
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