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...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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U.S. average auto insurance rates for a Ford Escape Hybrid are $1,030 annually for full coverage insurance. Comprehensive costs around $160 each year, collision costs $238, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,222. Teen drivers pay the highest rates at $4,156 a year or more.
Average premium for full coverage: $1,030
Price estimates for individual coverage:
Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Escape Hybrid models.
Price Range from Low to High
For the average driver, Ford Escape Hybrid insurance prices go from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,222 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.
The graphic below illustrates how location impacts auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than using 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 Details
The chart below illustrates estimated Ford Escape Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $621
- Raising to $1,000 deductibles will save about $90 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,030
- Choosing low deductibles will cost $1,202
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,222 or more
- The price with full coverage for a teenage driver can be $4,156
Car insurance prices for a Ford Escape Hybrid are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,200 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $270 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Ford Escape Hybrid insurance rates. A middle-age driver might find prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes may be quite 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
Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a summary of the material that was touched on above.
- Consumers who may need higher liability limits will pay about $520 annually to raise from a low limit to higher 250/500 limits
- Teens are the costliest to insure, as much as $346 a month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations pay on average $1,190 more every year for Escape Hybrid insurance
- Increasing physical damage deductibles could save up to $250 each year
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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