Ford Escape Hybrid Insurance Rates
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Michelle Robbins
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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 auto insurance rates for a Ford Escape Hybrid are $1,030 annually for full coverage insurance. Comprehensive insurance costs on average $160, collision costs $238, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,222 or more. Teenage drivers pay the most at $4,156 a year or more.
Average premium for full coverage: $1,030
Premium estimates by type of coverage:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Escape Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Ford Escape Hybrid go from as cheap as $522 for your basic liability-only policy to a much higher rate of $2,222 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how where you live affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
More Rate Information
The chart below illustrates estimated Ford Escape Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $621
- Using higher $1,000 deductibles will save around $90 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,030
- Using more expensive low deductibles for physical damage coverage costs an additional $172 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,222 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,156 or more
Auto insurance prices for a Ford Escape Hybrid also have a wide range based on the model of your Escape Hybrid, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,800 in extra premium annually, depending on your age. High-risk driver insurance can be from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $270 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Ford Escape Hybrid insurance prices. A driver around age 40 might see prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,390 on average in Michigan, New York, and Florida.
| 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 only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.
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 Buy More Affordable Ford Escape Hybrid Insurance
Finding better rates on insurance for a Ford Escape Hybrid requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at least once a year by getting quotes from direct insurance companies, and also from local exclusive and independent agents.
The following is a summary of the primary concepts that were touched on in the above illustrations.
- It is possible to save as much as $120 per year simply by shopping early and online
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,190 more each year for Escape Hybrid insurance
- Increasing policy deductibles could save up to $250 each year
- Teens are charged the highest prices, with premiums being up to $346 per month if full coverage is included
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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