Ford Fusion 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: May 22, 2024
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U.S. average insurance prices for a Ford Fusion Hybrid are $1,504 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $240 each year, collision insurance costs $494, and liability is estimated at $570. Liability-only coverage costs approximately $634 a year, and high-risk coverage costs $3,276 or more. Teenage drivers pay the highest rates at up to $5,918 a year.
Average premium for full coverage: $1,504
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Fusion Hybrid models.
Price Range from Low to High
For the average 40-year-old driver, Ford Fusion Hybrid insurance prices range from the cheapest price of $634 for your basic liability-only policy to a high rate of $3,276 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.
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.
More Rate Information
The chart below illustrates average Ford Fusion Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $875
- Choosing higher $1,000 deductibles can save $168 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,504
- Using low deductibles for comp and collision coverage costs an extra $324 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $3,276
- The price to insure a 16-year-old driver can cost $5,918 each year
Auto insurance prices for a Ford Fusion Hybrid are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Fusion Hybrid.
Using high physical damage deductibles can save as much as $500 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $513 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Fusion Hybrid insurance prices. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,030 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,356 | -$148 | -9.8% |
| Alaska | $1,150 | -$354 | -23.5% |
| Arizona | $1,244 | -$260 | -17.3% |
| Arkansas | $1,504 | -$0 | 0.0% |
| California | $1,710 | $206 | 13.7% |
| Colorado | $1,434 | -$70 | -4.7% |
| Connecticut | $1,544 | $40 | 2.7% |
| Delaware | $1,698 | $194 | 12.9% |
| Florida | $1,876 | $372 | 24.7% |
| Georgia | $1,386 | -$118 | -7.8% |
| Hawaii | $1,076 | -$428 | -28.5% |
| Idaho | $1,018 | -$486 | -32.3% |
| Illinois | $1,118 | -$386 | -25.7% |
| Indiana | $1,132 | -$372 | -24.7% |
| Iowa | $1,016 | -$488 | -32.4% |
| Kansas | $1,424 | -$80 | -5.3% |
| Kentucky | $2,046 | $542 | 36.0% |
| Louisiana | $2,222 | $718 | 47.7% |
| Maine | $928 | -$576 | -38.3% |
| Maryland | $1,240 | -$264 | -17.6% |
| Massachusetts | $1,200 | -$304 | -20.2% |
| Michigan | $2,608 | $1,104 | 73.4% |
| Minnesota | $1,256 | -$248 | -16.5% |
| Mississippi | $1,798 | $294 | 19.5% |
| Missouri | $1,332 | -$172 | -11.4% |
| Montana | $1,614 | $110 | 7.3% |
| Nebraska | $1,180 | -$324 | -21.5% |
| Nevada | $1,798 | $294 | 19.5% |
| New Hampshire | $1,080 | -$424 | -28.2% |
| New Jersey | $1,678 | $174 | 11.6% |
| New Mexico | $1,330 | -$174 | -11.6% |
| New York | $1,580 | $76 | 5.1% |
| North Carolina | $864 | -$640 | -42.6% |
| North Dakota | $1,230 | -$274 | -18.2% |
| Ohio | $1,036 | -$468 | -31.1% |
| Oklahoma | $1,540 | $36 | 2.4% |
| Oregon | $1,376 | -$128 | -8.5% |
| Pennsylvania | $1,432 | -$72 | -4.8% |
| Rhode Island | $2,004 | $500 | 33.2% |
| South Carolina | $1,358 | -$146 | -9.7% |
| South Dakota | $1,266 | -$238 | -15.8% |
| Tennessee | $1,314 | -$190 | -12.6% |
| Texas | $1,808 | $304 | 20.2% |
| Utah | $1,114 | -$390 | -25.9% |
| Vermont | $1,028 | -$476 | -31.6% |
| Virginia | $900 | -$604 | -40.2% |
| Washington | $1,158 | -$346 | -23.0% |
| West Virginia | $1,376 | -$128 | -8.5% |
| Wisconsin | $1,040 | -$464 | -30.9% |
| Wyoming | $1,340 | -$164 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Hybrid | $250 | $524 | $564 | $1,538 |
| 2019 Ford Fusion Hybrid | $240 | $494 | $570 | $1,504 |
| 2018 Ford Fusion Hybrid | $230 | $442 | $574 | $1,446 |
Rates are averaged for all Ford Fusion 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 Shop for Affordable Ford Fusion Hybrid Insurance
Getting lower rates on insurance for a Ford Fusion Hybrid takes avoiding accidents and claims, having a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a brief review of the primary concepts that were touched on in this article.
- It is possible to save around $180 per year just by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,770 more per year to insure a Ford Fusion Hybrid
- Increasing physical damage deductibles could save as much as $500 each year
- Drivers under the age of 20 have the highest car insurance prices, as much as $493 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,918 |
| 20 | $3,508 |
| 30 | $1,542 |
| 40 | $1,504 |
| 50 | $1,376 |
| 60 | $1,350 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,828 |
| $250 | $1,676 |
| $500 | $1,504 |
| $1,000 | $1,336 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,504 |
| 50/100 | $1,618 |
| 100/300 | $1,761 |
| 250/500 | $2,131 |
| 100 CSL | $1,675 |
| 300 CSL | $1,989 |
| 500 CSL | $2,217 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,402 |
| 20 | $5,594 |
| 30 | $3,324 |
| 40 | $3,276 |
| 50 | $3,134 |
| 60 | $3,104 |
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 | $78 |
| Multi-vehicle | $83 |
| Homeowner | $24 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $64 |
| Advance Quote | $73 |
| Online Quote | $104 |
| Total Discounts | $629 |
Discounts are estimated and may not be available from every company or in every state.
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