Ford Escape Hybrid Insurance Rates

Estimated insurance rates for a Ford Escape Hybrid are $1,030 a year for full coverage insurance. Comprehensive insurance costs an estimated $160 a year, collision costs $238, and liability coverage costs $474. A liability-only policy costs as little 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 broken down by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Escape Hybrid trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $621
• Drivers who choose higher $1,000 deductibles will pay approximately $940 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,030
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $172 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,222 or more
• An auto insurance policy that insures a teenage driver can cost as much as $4,156 a year

View Chart as Image

Auto insurance prices for a Ford Escape Hybrid also have a wide range based on the trim level of your Escape Hybrid, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,200 to $1,800 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age

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 $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,390 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $270 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Cheaper Ford Escape Hybrid Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every couple of years by getting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a condensed summary of the material that was covered in the charts and tables above.

• Consumers who want additional liability coverage will pay an extra $520 annually to go from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $346 per month if the policy includes full coverage
• Drivers with multiple at-fault accidents may have to pay on average $1,190 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $250 each year