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Ford Fusion Hybrid 4-Dr Sedan Insurance Rates

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Average auto insurance rates for a Ford Fusion Hybrid 4-Dr Sedan are $1,646 annually with full coverage. Comprehensive insurance costs on average $326 a year, collision costs $666, and liability costs around $454. Liability-only coverage costs as low as $538 a year, with high-risk coverage costing $3,572 or more. Teenage drivers receive the highest rates at $6,180 a year or more.

Annual premium for full coverage: $1,646

Rate estimates by individual coverage type:

Comprehensive $326
Collision $666
Liability $454

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Fusion Trim Level

For a driver in their 40's, prices go from as cheap as $538 for the bare minimum liability coverage to a high of $3,572 for a driver who has had serious violations or accidents.

Liability Only $538
Full Coverage $1,646
High Risk $3,572

These differences demonstrate why it is important for drivers to compare prices based on a specific location and their own personal driving habits, instead of 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 Ford Fusion Hybrid 4-Dr Sedan Insurance

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Car insurance rates for a Ford Fusion Hybrid 4-Dr Sedan can also vary considerably based on the model year of your Fusion, your driving record, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $670 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $408 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Fusion Hybrid 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes can be significantly different between companies.

View Chart as Image

Ford Fusion Hybrid 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Fusion Hybrid 4-Dr Sedan insurance prices range from $943 to $6,180 for full coverage

The chart above shows Ford Fusion Hybrid 4-Dr Sedan insurance prices for different situations. The best price after discounts is $943. Drivers who use higher $1,000 deductibles will pay about $1,422. The average price for a 40-year-old male driver using $500 deductibles is $1,646. Choosing low $100 deductibles for comp and collision coverage could cost up to $2,088. Drivers with multiple violations and accidents could be charged as much as $3,572. The cost for full coverage for a teen driver can be as high as $6,180.

Ford Fusion Hybrid 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,488 -$158 -9.6%
Alaska $1,260 -$386 -23.5%
Arizona $1,366 -$280 -17.0%
Arkansas $1,646 -$0 0.0%
California $1,876 $230 14.0%
Colorado $1,572 -$74 -4.5%
Connecticut $1,690 $44 2.7%
Delaware $1,864 $218 13.2%
Florida $2,056 $410 24.9%
Georgia $1,520 -$126 -7.7%
Hawaii $1,180 -$466 -28.3%
Idaho $1,118 -$528 -32.1%
Illinois $1,226 -$420 -25.5%
Indiana $1,240 -$406 -24.7%
Iowa $1,112 -$534 -32.4%
Kansas $1,562 -$84 -5.1%
Kentucky $2,246 $600 36.5%
Louisiana $2,436 $790 48.0%
Maine $1,018 -$628 -38.2%
Maryland $1,358 -$288 -17.5%
Massachusetts $1,314 -$332 -20.2%
Michigan $2,860 $1,214 73.8%
Minnesota $1,378 -$268 -16.3%
Mississippi $1,972 $326 19.8%
Missouri $1,462 -$184 -11.2%
Montana $1,768 $122 7.4%
Nebraska $1,298 -$348 -21.1%
Nevada $1,974 $328 19.9%
New Hampshire $1,186 -$460 -27.9%
New Jersey $1,838 $192 11.7%
New Mexico $1,458 -$188 -11.4%
New York $1,732 $86 5.2%
North Carolina $948 -$698 -42.4%
North Dakota $1,350 -$296 -18.0%
Ohio $1,138 -$508 -30.9%
Oklahoma $1,690 $44 2.7%
Oregon $1,508 -$138 -8.4%
Pennsylvania $1,572 -$74 -4.5%
Rhode Island $2,196 $550 33.4%
South Carolina $1,492 -$154 -9.4%
South Dakota $1,390 -$256 -15.6%
Tennessee $1,442 -$204 -12.4%
Texas $1,984 $338 20.5%
Utah $1,220 -$426 -25.9%
Vermont $1,126 -$520 -31.6%
Virginia $986 -$660 -40.1%
Washington $1,270 -$376 -22.8%
West Virginia $1,510 -$136 -8.3%
Wisconsin $1,140 -$506 -30.7%
Wyoming $1,466 -$180 -10.9%

View Chart as Image

Ford Fusion Hybrid 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Ford Fusion Hybrid 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $6,180
20 $3,834
30 $1,716
40 $1,646
50 $1,504
60 $1,476

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Hybrid 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,088
$250 $1,882
$500 $1,646
$1,000 $1,422

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Hybrid 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,646
50/100 $1,737
100/300 $1,850
250/500 $2,145
100 CSL $1,782
300 CSL $2,032
500 CSL $2,214

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Hybrid 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $8,818
20 $6,096
30 $3,654
40 $3,572
50 $3,412
60 $3,378

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 $231

Potential Rate Discounts

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

Discount Savings
Multi-policy $87
Multi-vehicle $86
Homeowner $24
5-yr Accident Free $124
5-yr Claim Free $106
Paid in Full/EFT $77
Advance Quote $83
Online Quote $116
Total Discounts $703
Rate after discounts $943

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

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