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...
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UPDATED: May 22, 2024
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Average insurance rates for a Ford Fusion Hybrid are $1,504 a year for full coverage insurance. Comprehensive costs on average $240 a year, collision insurance costs $494, and liability coverage is estimated at $570. A liability-only policy costs approximately $634 a year, and high-risk insurance costs around $3,276. Teen drivers receive the highest rates at up to $5,918 a year.
Average premium for full coverage: $1,504
Rate estimates by individual coverage type:
These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Fusion Hybrid trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $634 for just liability insurance to a high of $3,276 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why it is important to get quotes based on a specific location and risk profile, rather than using price 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.
More Rate Details
The chart below illustrates average Ford Fusion Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $875
- Choosing higher $1,000 deductibles can save around $1,336 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,504
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,828
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,276
- The cost for full coverage for a teenage driver may cost $5,918 each year
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Ford Fusion Hybrid insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,030 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles can save as much as $500 a year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $513 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than average. View High Risk Driver Rates
| 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 Find Cheap Ford Fusion Hybrid Insurance
Saving money on auto insurance takes being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to shop around every time your policy renews by getting price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The items below are a brief summary of the information raised in the charts and tables above.
- It is possible to save as much as $180 per year just by quoting early and online
- Teen drivers pay the highest rates, costing up to $493 per month for full coverage
- Increasing deductibles can save around $500 each year
- Drivers that tend to have accidents or serious violations pay an average of $1,770 more each year to insure their Fusion Hybrid
- Consumers who require more liability coverage will pay about $630 annually to raise limits from a minimum limit to 250/500 limits
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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