Ford Escape Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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Estimated insurance prices for a Ford Escape Hybrid are $1,030 every 12 months including full coverage. Comprehensive costs an estimated $160, collision costs $238, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,222. 16-year-old drivers pay the most at $4,156 a year or more.
Average premium for full coverage: $1,030
Premium estimates broken down by type of coverage:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Escape Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Ford Escape Hybrid go from the cheapest price of $522 for basic liability insurance to a much higher rate of $2,222 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on rate 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.
Rate Comparisons
The chart below breaks down estimated Ford Escape Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $621
- Drivers who choose higher $1,000 deductibles will pay approximately $90 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,030
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,202
- High risk drivers with multiple tickets or accidents could pay up to $2,222 or more
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $4,156 a year
Insurance prices for a Ford Escape Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could save up to $270 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $1,200 to $1,800 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Ford Escape Hybrid insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,470 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $930 | -$100 | -9.7% |
| Alaska | $788 | -$242 | -23.5% |
| Arizona | $854 | -$176 | -17.1% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,172 | $142 | 13.8% |
| Colorado | $982 | -$48 | -4.7% |
| Connecticut | $1,058 | $28 | 2.7% |
| Delaware | $1,164 | $134 | 13.0% |
| Florida | $1,288 | $258 | 25.0% |
| Georgia | $950 | -$80 | -7.8% |
| Hawaii | $738 | -$292 | -28.3% |
| Idaho | $694 | -$336 | -32.6% |
| Illinois | $764 | -$266 | -25.8% |
| Indiana | $774 | -$256 | -24.9% |
| Iowa | $694 | -$336 | -32.6% |
| Kansas | $980 | -$50 | -4.9% |
| Kentucky | $1,404 | $374 | 36.3% |
| Louisiana | $1,522 | $492 | 47.8% |
| Maine | $634 | -$396 | -38.4% |
| Maryland | $848 | -$182 | -17.7% |
| Massachusetts | $824 | -$206 | -20.0% |
| Michigan | $1,788 | $758 | 73.6% |
| Minnesota | $860 | -$170 | -16.5% |
| Mississippi | $1,232 | $202 | 19.6% |
| Missouri | $912 | -$118 | -11.5% |
| Montana | $1,106 | $76 | 7.4% |
| Nebraska | $812 | -$218 | -21.2% |
| Nevada | $1,234 | $204 | 19.8% |
| New Hampshire | $740 | -$290 | -28.2% |
| New Jersey | $1,150 | $120 | 11.7% |
| New Mexico | $912 | -$118 | -11.5% |
| New York | $1,084 | $54 | 5.2% |
| North Carolina | $592 | -$438 | -42.5% |
| North Dakota | $842 | -$188 | -18.3% |
| Ohio | $710 | -$320 | -31.1% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $942 | -$88 | -8.5% |
| Pennsylvania | $982 | -$48 | -4.7% |
| Rhode Island | $1,370 | $340 | 33.0% |
| South Carolina | $932 | -$98 | -9.5% |
| South Dakota | $868 | -$162 | -15.7% |
| Tennessee | $902 | -$128 | -12.4% |
| Texas | $1,240 | $210 | 20.4% |
| Utah | $762 | -$268 | -26.0% |
| Vermont | $706 | -$324 | -31.5% |
| Virginia | $616 | -$414 | -40.2% |
| Washington | $798 | -$232 | -22.5% |
| West Virginia | $942 | -$88 | -8.5% |
| Wisconsin | $712 | -$318 | -30.9% |
| Wyoming | $918 | -$112 | -10.9% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Escape Hybrid 2WD | $1,010 | $84 |
| Ford Escape Hybrid Limited 2WD | $1,030 | $86 |
| Ford Escape Hybrid 4WD | $1,030 | $86 |
| Ford Escape Hybrid Limited 4WD | $1,048 | $87 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Ford Escape Hybrid | $170 | $262 | $474 | $1,064 |
| 2011 Ford Escape Hybrid | $160 | $238 | $474 | $1,030 |
| 2010 Ford Escape Hybrid | $154 | $214 | $468 | $994 |
Rates are averaged for all Ford Escape 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 Cheap Ford Escape Hybrid Insurance
Finding better rates on Ford Escape Hybrid insurance not only requires having a good driving record, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.
The next list is a brief summary of the concepts that were covered in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,190 more annually to buy Ford Escape Hybrid insurance
- Drivers age 20 and younger are charged the highest prices, with the cost nearing $346 per month if they have full coverage
- You may be able to save approximately $120 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $250 each year
- You may be able to save approximately $120 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,156 |
| 20 | $2,366 |
| 30 | $1,048 |
| 40 | $1,030 |
| 50 | $944 |
| 60 | $926 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,122 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,143 |
| 100/300 | $1,261 |
| 250/500 | $1,569 |
| 100 CSL | $1,190 |
| 300 CSL | $1,451 |
| 500 CSL | $1,641 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,860 |
| 20 | $3,776 |
| 30 | $2,242 |
| 40 | $2,222 |
| 50 | $2,128 |
| 60 | $2,106 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $70 |
| Total Discounts | $409 |
Discounts are estimated and may not be available from every company or in every state.
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