Ford C-Max Hybrid Insurance Rates

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UPDATED: May 10, 2024

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The average auto insurance rates for a Ford C-Max Hybrid are $1,192 annually including full coverage. Comprehensive insurance costs around $206 each year, collision costs $368, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk 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 for type of insurance:

Comprehensive $206
Collision $368
Liability $460

Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and C-Max Hybrid models.

Price Range Variability

For the average driver, Ford C-Max Hybrid insurance rates go from as cheap as $510 for just the minimum liability insurance to a high rate of $2,588 for high-risk insurance.

Liability Only $510
Full Coverage $1,192
High Risk $2,588

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $894
Small Cities $1,252
Large Cities $1,609

The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on 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 breaks down estimated Ford C-Max Hybrid insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $697
  • Using higher $1,000 deductibles will save about $130 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,192
  • Choosing low deductibles for physical damage coverage costs an additional $254 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,588 or more
  • Policy cost with full coverage for a 16-year-old driver can be $4,674 or more

View Chart as Image

Ford C-Max Hybrid insurance cost comparison chart
Column chart showing full coverage Ford C-Max Hybrid insurance prices range from $697 to $4,674

Car insurance rates for a Ford C-Max Hybrid also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $390 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford C-Max Hybrid insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,700 on average in Michigan, New York, and Louisiana.

Ford C-Max Hybrid Insurance Rates by State
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%

View Chart as Image

Ford C-Max Hybrid insurance rates by U.S. city

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.

Ford C-Max Hybrid Insurance Rates by Model Year
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 Buy the Cheapest Ford C-Max Hybrid Insurance

Finding cheaper rates on insurance for a Ford C-Max Hybrid requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the material that was touched on above.

  • Insureds who may need an increased level of liability coverage will pay about $510 per year to increase from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 are the costliest to insure, with premiums being up to $390 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,400 more every year than a safer driver
  • Increasing comprehensive and collision deductibles could save up to $375 each year

Rates by Driver Age

Ford C-Max Hybrid Insurance 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

Ford C-Max Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,446
$250 $1,326
$500 $1,192
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Ford C-Max Hybrid Insurance Rates with Different Liability Limits
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

Ford C-Max Hybrid Insurance 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.

SR-22 Surcharge $166

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
Rate after discounts $697

Discounts are estimated and may not be available from every company or in every state.

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