Ford Escape Hybrid Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Ford Escape Hybrid than the average SUV.

• Liability auto insurance for an Escape Hybrid averages about $79 monthly, while full coverage usually runs around $133.

• Aspire is the lowest insurance carrier for an Escape Hybrid with a national average of just $24 a month for liability only coverage.

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Escape Hybrid Overview

With 2012 models starting at $21,440, the Ford Escape Hybrid is a great budget-friendly option for any driver. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when thinking about your auto insurance premiums.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've determined that average Ford Escape Hybrid insurance rates run about $108 per month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Ford Escape Hybrid?

If you look at the table above, you'll see that Ford Escape Hybrid insurance costs are more affordable than average compared to other vehicles. Escape Hybrid drivers can expect to pay around $133 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 monthly for liability only insurance (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the Escape Hybrid is less expensive, with prices more than 10% lower than other vehicles in Ford's lineup. Compared to SUV offerings from other brands, auto insurance for an Escape Hybrid is also more affordable, with full coverage insurance rates coming in about 13% less and 2% less for liability only insurance.

When compared to all vehicles, regardless of body style, make, or model, the Escape Hybrid follows a similar pattern of having below average car insurance prices.

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Who has the Cheapest Car Insurance for a Ford Escape Hybrid?

Browsing for a car insurance policy for your Ford Escape Hybrid? You're might be most interested in which company offers the most affordable premiums. Although premiums can change pretty dramatically depending on your driver profile, the cheapest average rates for liability only insurance are as cheap as just $24 a month from Aspire. The next most affordable carrier is Jupiter, who offers auto insurance sometimes as low as $37 monthly.

Rounding out the list are NationalGeneral, Shelter Mutual, and Commonwealth Casualty. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Ford Escape Hybrid.

Car insurance carriers take a bunch of things into consideration when calculating monthly rates. By reviewing quotes from a whole range of insurance companies at once, you can rest easy knowing that you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Ford Escape Hybrid?

There are many variables that car insurance carriers examine to decide how much to charge for insurance -- and every company weighs different variables more heavily than others, so there's not a singular carrier that's the most affordable for each Escape Hybrid owner.

The sections below show multiple factors auto insurance companies use to calculate rates:

Vehicle Age

The Ford Escape Hybrid has been around for a while, so vehicle age may play a role in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and Escape Hybrids continue to depreciate, insurance costs will gradually go down.

A new Ford Escape Hybrid model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Ford Escape Hybrids to insure are those that are 4 to 5 years old, while the cheapest models are Escape Hybrids that are 2 to 3 years old, on average.

Your Age

Age is another variable that makes a significant difference in how much insurance carriers will charge. As you can see in the table above, those who have more experience have lower costs than drivers under 18. Ford Escape Hybrid drivers under 18 actually pay $46 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group for Escape Hybrid drivers being 65 years and older.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, insurance companies will tend to charge women less than men. When it comes to Escape Hybrid drivers specifically, women pay around $1 less than men per month for car insurance.

Where You Live

You might think it's common sense that variables such as what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live has just as much of an impact? Auto insurance is regulated on the state level rather than nationally, so prices can shift quite a bit depending on where you live.

For example, the average Ford Escape Hybrid driver from New York pays about $139 monthly for liability coverage, while the same Californian owner will pay less than 50% of that price, on average. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much costs can change depending on where you live.

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Ford Escape Hybrid Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance policy is always in your best interest.

Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Pay-in-full discounts for drivers who agree to pay their entire policy cost at once, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-vehicle discounts for having more than one car on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution

These are just a few of the discounts auto insurance companies offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

You obviously can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but there is quite a bit of you that you can control. Below are just a few of the things you can use to your advantage when it comes to cost savings:

Your Driving Record

You've almost certainly noticed ads from auto insurance carriers posting hefty discounts for good drivers. It should be no surprise that if you get into a collision or get tickets for speeding, insurance premiums will get higher. But you're probably wondering exactly how much these infractions can cost you.

As you can tell, accidents will usually cost Escape Hybrid drivers more than tickets, but both will result in higher than normal rates. Ford Escape Hybrid drivers with one accident on their record pay an average of $94 per month (up $15 from the $79/mo. overall average), while drivers with a single ticket will pay about $82 a month. The rates only increase the more accidents you have or tickets you get.

How Much You Drive

Another factor you have control over is the total distance you drive annually. Those who are on the roads less are less likely to get into accidents, so they'll generally get cheaper prices. In the above table, you can see that Ford Escape Hybrid owners who drive fewer than 2,500 miles a year pay an average of $95 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $75.

But if you drive less often than the average driver or work from home, you might consider a usage-based or pay-per-mile insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Ford Escape Hybrids Compare to Other Vehicles?

If you're considering making a Ford Escape Hybrid your next purchase, you might want to know how it compares to other cars. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth taking into consideration.

Check out the table below to see how the Ford Escape Hybrid compares:

As you can see, the Ford Escape Hybrid is pretty much in line with the average vehicle price here in the U.S. The national average vehicle price is $37,233, and the Escape Hybrid comes in close to that at $30,570. And since it's been a few years since a new Escape Hybrid model has been on the market, used prices are going to be even less expensive.

Although the Escape Hybrid has a pretty average price, car insurance costs are slightly cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Ford Escape Hybrid is around $39 a month cheaper than average, while liability only coverage is $8 higher per month.

When it comes to usage, Ford Escape Hybrid owners drive more miles annually than the national average, with 14,010 miles every year compared to 11,681 for all vehicles.

Ford Escape Hybrid Car Insurance Costs by Model Year

We've walked through many of the factors that can affect a driver's insurance rates. If you're in thinking about buying a new car, truck, or SUV and the Escape Hybrid is on your wishlist, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options.

That's why we've done the heavy lifting and analyzed Ford Escape Hybrid auto insurance costs by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've also included some other helpful info that might help you make a decision, such as who offers the lowest policies, the base MSRP, and which trim levels are offered for each Escape Hybrid model year.

Choose Your Model

2012 Ford Escape Hybrid Car Insurance 2011 Ford Escape Hybrid Car Insurance 2010 Ford Escape Hybrid Car Insurance 2009 Ford Escape Hybrid Car Insurance

2012 Ford Escape Hybrid Car Insurance

It costs about $89 monthly for liability or $130 for a full coverage policy for the 2012 Escape Hybrid.

Looking for the most affordable policy? MetLife offered liability only coverage for as low as just $21 per month.

While these are good estimates of what the average driver might pay to insure a 2012 Ford Escape Hybrid, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Ford Escape Hybrid Car Insurance

On average, drivers who own a 2011 Ford Escape Hybrid can expect to pay $86 to $130 monthly for liability only and full coverage car insurance, respectively.

Liberty Mutual offered the lowest policy we found, with rates sometimes as little as $22 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Ford Escape Hybrid Car Insurance

The average cost to insure a 2010 Escape Hybrid with liability only coverage is $83 monthly, while full coverage runs around $132 a month.

We found MetLife offered the cheapest policy, with rates as low as $24 per month.

What could your auto insurance premium look like? All you need to do is enter your ZIP code below and you'll be on your way to comparing a lot of personalized quotes from the nation's top insurance companies.

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2009 Ford Escape Hybrid Car Insurance

You can expect full coverage for a 2009 Ford Escape Hybrid to run about $131 monthly, while liability only coverage will average around $65 a month.

With rates as little as $18 per month, Elephant offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Ford Escape Hybrid Insurance FAQs

Is a Ford Escape Hybrid expensive to insure?

Liability insurance runs an average of $79 a month, while full coverage will cost you around $133. When compared to the national average of all SUVs, prices come in on the more affordable end of the spectrum.

How can I get the best price on car insurance for my Ford Escape Hybrid?

There's only one way to confirm you're getting the lowest rates -- checking prices regularly and comparing quotes from a range of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a bunch of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Ford Escape Hybrid affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not true. Even though there are many things car insurance carriers use when they decide how much to charge you, the color of your car isn't one of them.

Do I need to have insurance before I buy a Ford Escape Hybrid?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you an insurance policy as part of the buying process, but it's best to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Ford Escape Hybrid?

You will find many discounts out there for insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your Escape Hybrid and more on you, but if your Escape Hybrid has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to know is to talk with your insurance agent and ask about which discounts they offer, since they vary quite a bit from company to company.