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2019 Ford Fusion Hybrid Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2019 Ford Fusion Hybrid are $1,618 a year for full coverage insurance. Comprehensive insurance costs around $294, collision insurance costs $626, and liability coverage costs $498. Buying a liability-only policy costs as little as $574 a year, and high-risk insurance costs $3,522 or more. Teenage drivers receive the highest rates at up to $6,182 a year.

Annual premium for full coverage: $1,618

Rate estimates for 2019 Ford Fusion Hybrid Insurance

Comprehensive $294
Collision $626
Liability $498

Rate data is compiled from all 50 U.S. states and averaged for all 2019 Ford Fusion Hybrid models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $574 for a discount liability-only rate to the much higher price of $3,522 for high-risk insurance.

Liability Only $574
Full Coverage $1,618
High Risk $3,522

View Chart as Image

2019 Ford Fusion Hybrid insurance rates compared
Column chart showing 2019 Ford Fusion Hybrid insurance prices range from $929 to $6,182 for full coverage

These differences illustrate why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2019 Ford Fusion Hybrid Insurance

Searching Companies

Trying to find cheaper insurance for a new or used Ford Fusion Hybrid can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to find car insurance online and you need to know the absolute fastest way to quote coverages for a new or used Ford and locate the lowest price from both online companies and local agents.

It’s a great practice to compare premium rates on a regular basis because insurance prices trend upward over time. Just because you found the best rates for Fusion Hybrid insurance at your last renewal you will most likely find a better rate quote today. You can find a lot of wrong information about car insurance on the web, but we’re going to give you some excellent ideas to lower your car insurance bill.

Compare free auto insurance rate quotes

All major auto insurance companies make it easy to get pricing on their websites. Doing online quotes doesn’t take much effort because you just enter your required coverages on the page. Once entered, their quoting system requests your driving and credit reports and quotes a price.

Online price quotes makes it a lot easier to compare rates but the work required to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to get better auto insurance pricing.

Quote rates the easy way

A more efficient way to find better auto insurance pricing requires only one form to get prices from several different companies. It saves time, eliminates form submissions, and makes quoting online much simpler. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, simply enter your zip code here and fill out the form. If you have a policy now, it’s recommended you copy your coverages exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving an apples-to-apples comparison for similar coverage.

Verify you’re applying every discount

Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be manually applied before they will apply.

  • Discount for Low Mileage – Low annual miles can qualify you for better premium rates on cars that stay parked.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
  • Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts as much as 30%.
  • Life Insurance – Some insurance coverage companies give a small discount if you purchase life insurance from them.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off the medical payments premium.
  • Military Discounts – Being on active deployment in the military can result in better prices.
  • Discounts for Multiple Vehicles – Having multiple vehicles with one company can get a discount on all vehicles.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.

A few popular companies and their possible discounts are outlined below.

  • Farmers Insurance may have discounts that include multi-car, homeowner, bundle discounts, pay in full, early shopping, and business and professional.
  • Esurance has discounts for paid-in-full, Switch & Save, renters, safety device, online quote, and claim free.
  • State Farm offers premium reductions for multiple policy, defensive driving training, Steer Clear safe driver discount, student away at school, and Drive Safe & Save.
  • GEICO includes discounts for multi-vehicle, military active duty, defensive driver, five-year accident-free, driver training, emergency military deployment, and good student.
  • Allstate has savings for senior citizen, utility vehicle, new car, auto/life discount, multi-policy, good payer, and FullPay discount.

Before buying, ask each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your area.

When should I discuss my situation with an agent?

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Does my policy cover my teen driver if they drive my company car?
  • Will filing a claim cost me more?
  • How can I force my company to pay a claim?
  • What is an SR-22 filing?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the rate difference between pleasure use and commuting?
  • Why do I only qualify for high-risk insurance?
  • Do I need special endorsements for business use of my vehicle?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, falling objects and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision insurance will pay to fix damage to your Fusion Hybrid resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, crashing into a building, hitting a mailbox, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like doctor visits, chiropractic care, funeral costs, X-ray expenses and nursing services. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, loss of income and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Rates by U.S. City

2019 Ford Fusion Hybrid Insurance Rates by City
City Premium
New York City, NY $2,550
Los Angeles, CA $2,766
Philadelphia, PA $2,159
Jacksonville, FL $2,343
Phoenix, AZ $1,879
Chicago, IL $2,171
Houston, TX $2,532
Seattle, WA $1,575
Columbus, OH $1,350
Indianapolis, IN $1,379

Rates by Driver Age

2019 Ford Fusion Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $6,182
20 $3,782
30 $1,680
40 $1,618
50 $1,478
60 $1,452

Full coverage, $500 deductibles

Rates by Deductible

2019 Ford Fusion Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,028
$250 $1,836
$500 $1,618
$1,000 $1,410

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,618
50/100 $1,718
100/300 $1,842
250/500 $2,166
100 CSL $1,767
300 CSL $2,041
500 CSL $2,241

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Ford Fusion Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $8,806
20 $6,018
30 $3,594
40 $3,522
50 $3,366
60 $3,336

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.

SR-22 Surcharge $230

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $87
Homeowner $24
5-yr Accident Free $120
5-yr Claim Free $105
Paid in Full/EFT $74
Advance Quote $81
Online Quote $113
Total Discounts $689
Rate after discounts $929

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2019 Ford Fusion Hybrid Insurance Rates by State
State Premium
Alabama $1,462
Alaska $1,240
Arizona $1,342
Arkansas $1,618
California $1,844
Colorado $1,544
Connecticut $1,660
Delaware $1,830
Florida $2,020
Georgia $1,492
Hawaii $1,162
Idaho $1,098
Illinois $1,206
Indiana $1,220
Iowa $1,092
Kansas $1,536
Kentucky $2,206
Louisiana $2,394
Maine $1,000
Maryland $1,334
Massachusetts $1,292
Michigan $2,806
Minnesota $1,354
Mississippi $1,936
Missouri $1,436
Montana $1,738
Nebraska $1,274
Nevada $1,938
New Hampshire $1,164
New Jersey $1,806
New Mexico $1,432
New York $1,700
North Carolina $930
North Dakota $1,324
Ohio $1,116
Oklahoma $1,660
Oregon $1,482
Pennsylvania $1,542
Rhode Island $2,156
South Carolina $1,464
South Dakota $1,364
Tennessee $1,416
Texas $1,948
Utah $1,198
Vermont $1,106
Virginia $968
Washington $1,250
West Virginia $1,482
Wisconsin $1,120
Wyoming $1,442

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