Ford Escape Hybrid Insurance Rates

The average insurance rates for a Ford Escape Hybrid are $1,030 a year for full coverage. Comprehensive insurance costs an estimated $160 a year, collision costs $238, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,222 or more. Teens cost the most to insure at $4,156 a year or more.

Average premium for full coverage: $1,030

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Escape Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects insurance prices.

The examples above show why it is important to compare rates for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below shows estimated Ford Escape Hybrid insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $621
• Drivers who choose higher $1,000 deductibles will pay approximately $940 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,030
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $172 a year
• High risk drivers with serious driving violations could pay up to $2,222 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,156 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,100 a year. View Rates by Age

Your home state makes a big difference in Ford Escape Hybrid insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,470 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $270 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,200 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates will be varied from one company to the next.

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 Ford Escape Hybrid insurance not only requires not taking risks behind the wheel, but also maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief review of the ideas that were touched on in the above illustrations.

• Teens are charged the highest rates, costing up to $346 each month for full coverage
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,190 more annually for Escape Hybrid insurance
• Increasing comprehensive and collision deductibles can save around $250 each year
• Drivers can save approximately $120 per year simply by quoting early and online