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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Average insurance rates for a Ford Escape Hybrid are $1,030 a year for full coverage insurance. Comprehensive insurance costs an estimated $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. 16-year-old drivers receive the highest rates at $4,156 a year or more.
Average premium for full coverage: $1,030
Rate estimates broken down by individual coverage type:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Escape Hybrid trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $522 for liability-only coverage to a much higher rate of $2,222 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities.
The price range example below illustrates how your location can change insurance prices.
These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on rate 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 Charts and Tables
The chart below illustrates estimated Ford Escape Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $621
- Using higher $1,000 deductibles will save approximately $90 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,030
- Buying more expensive low deductibles for physical damage coverage will cost an additional $172 annually
- High-risk insureds with multiple tickets or accidents could pay up to $2,222 or more
- The cost that insures a 16-year-old driver with full coverage can cost as much as $4,156 or more
Insurance rates for a Ford Escape Hybrid can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,200 to $1,800 extra per year, depending on your age. High-risk driver insurance can be from 43% to 130% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,100 a year. View Rates by Age
Where you live has a huge impact on Ford Escape Hybrid insurance prices. A driver around age 40 might see rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,390 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $270 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly different.
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 Find the Cheapest Ford Escape Hybrid Insurance
Saving money on insurance for a Ford Escape Hybrid requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a recap of the ideas that were illustrated above.
- Teens are charged the highest rates, costing up to $346 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,190 more annually for Escape Hybrid insurance
- Increasing deductibles can save approximately $250 each year
- It is possible to save approximately $120 per year simply by shopping early and online
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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