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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Estimated insurance rates for a Ford Fusion Hybrid are $1,504 a year for full coverage insurance. Comprehensive insurance costs around $240, collision costs $494, and liability costs $570. Liability-only coverage costs as little as $634 a year, with high-risk coverage costing $3,276 or more. Teens pay the most at $5,918 a year or more.
Average premium for full coverage: $1,504
Premium estimates for type of coverage:
Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Ford Fusion Hybrid go from the low end price of $634 for the bare minimum liability coverage to a much higher rate of $3,276 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of using averaged prices.
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.
Additional Rate Information
The chart below illustrates estimated Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $875
- Drivers who choose higher $1,000 deductibles will pay about $168 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,504
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $324 every year
- Higher-risk drivers with serious driving violations could pay at least $3,276 or more
- An auto insurance policy that insures a teen driver with full coverage can be $5,918 a year
Insurance prices for a Ford Fusion Hybrid also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,900 a year. View Rates by Age
Where you choose to live makes a big difference in Ford Fusion Hybrid insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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 higher comprehensive and collision insurance deductibles could save up to $500 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $513 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to compare prices and see which company has the best price. Every company calculates prices differently, so the prices will be substantially different.
| 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 the Cheapest Ford Fusion Hybrid Insurance
Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare rates every time your policy renews by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The following items are a recap of the information illustrated above.
- It is possible to save up to $180 per year simply by shopping early and online
- 16 to 18-year-old drivers pay higher prices, with premiums being up to $493 per month if full coverage is included
- Increasing policy deductibles can save approximately $500 each year
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,770 more every year than a driver with a clean driving record
- Policyholders who may need additional liability coverage will pay approximately $630 annually to go from 30/60 bodily injury limits to the 250/500 level
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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