Ford Escape Hybrid Insurance Rates

The average insurance rates for a Ford Escape Hybrid are $1,030 a year including full coverage. Comprehensive costs around $160 a year, collision insurance costs $238, and liability coverage is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,222. Teenage drivers cost the most to insure at up to $4,156 a year.

Average premium for full coverage: $1,030

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Escape Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below breaks down average Ford Escape Hybrid insurance rates for additional coverage choices and driver risks.

• The best discount rate is $621
• Raising to $1,000 deductibles will save about $940 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,030
• Using low $100 deductibles will increase the cost to $1,202
• Unlucky drivers who are prone to accidents and violations could pay at least $2,222
• Policy cost for full coverage for a teenage driver can be $4,156

View Chart as Image

Insurance rates for a Ford Escape Hybrid also range considerably based on your risk profile, the model of your Escape Hybrid, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,100 a year. View Rates by Age

Your home state also has a big influence on Ford Escape Hybrid insurance rates. A middle-age driver might find rates as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,470 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $270 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,200 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Ford Escape Hybrid Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the material that was raised in the charts and tables above.

• Consumers who may need an increased level of liability coverage will pay an extra $520 per year to raise from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $346 each month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions pay on average $1,190 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save around $250 each year