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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The average insurance prices for a Ford Fusion Hybrid are $1,504 every 12 months for full coverage. Comprehensive insurance costs an estimated $240, collision costs $494, and liability costs around $570. Buying just liability costs as low as $634 a year, with insurance for high-risk drivers costing $3,276 or more. 16-year-old drivers cost the most to insure at $5,918 a year or more.
Average premium for full coverage: $1,504
Policy rates broken down by type of insurance:
Estimates include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Fusion Hybrid models.
Price Range Variability
Using a 40-year-old driver as an example, Ford Fusion Hybrid insurance rates go from the cheapest price of $634 for just liability insurance to the much higher price of $3,276 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities.
The example below illustrates how rural and urban location affects insurance prices.
The examples above show why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on rate 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 shows estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $875
- Using higher $1,000 deductibles will save approximately $168 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,504
- Buying pricier low deductibles for physical damage coverage costs an extra $324 annually
- High-risk insureds with multiple tickets or accidents could pay up to $3,276 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost as much as $5,918 or more
Insurance rates for a Ford Fusion Hybrid also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $500 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $513 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $5,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,800 to $2,500 extra every year, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers can be from 42% to 133% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Ford Fusion Hybrid insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Iowa, Maine, and Idaho, or at least $2,140 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied.
| 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 Low Cost Ford Fusion Hybrid Insurance
Finding cheaper rates on insurance for a Ford Fusion Hybrid requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The following is a review of the data that was raised in the charts and tables above.
- Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date
- Insureds who want higher liability limits will pay around $630 each year to increase from a 30/60 limit to a 250/500 level
- Teens are charged the highest rates, costing up to $493 each month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,770 more annually for Fusion Hybrid insurance
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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