Ford Fusion Hybrid Insurance Rates
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Michelle Robbins
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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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Estimated insurance rates for a Ford Fusion Hybrid are $1,504 a year with full coverage. Comprehensive insurance costs approximately $240, collision insurance costs $494, and liability insurance costs around $570. Liability-only coverage costs as low as $634 a year, and high-risk coverage costs $3,276 or more. 16-year-old drivers pay the most at up to $5,918 a year.
Average premium for full coverage: $1,504
Premium estimates by type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Fusion Hybrid models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Ford Fusion Hybrid range from as low as $634 for a discount liability-only rate to the much higher price of $3,276 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why everyone should compare prices using their specific location and risk profile, rather than relying 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.
Rates by State, City, and Model
The chart below details average Ford Fusion Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $875
- Using higher $1,000 deductibles will save $168 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,504
- Buying pricier low deductibles for physical damage coverage will cost an extra $324 a year
- Drivers with multiple tickets or accidents could pay around $3,276
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $5,918 or more
Insurance prices for a Ford Fusion Hybrid also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,900 a year. View Rates by Age
Where you choose to live has a huge impact on Ford Fusion Hybrid insurance rates. A driver around age 40 might see prices as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or at least $2,030 on average in New York, Michigan, 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% |
Opting for high physical damage deductibles could cut prices by as much as $500 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $513 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra annually, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers can be anywhere from 42% to 133% more than the average rate. 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 the Best Cheap Ford Fusion Hybrid Insurance
Finding better rates on Ford Fusion Hybrid insurance requires being a low-risk driver, maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a quick review of the concepts that were covered above.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,770 more per year to insure their Fusion Hybrid
- Teen drivers are expensive to insure, possibly costing $493 per month for full coverage
- You may be able to save around $180 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $500 each year
- You may be able to save around $180 per year just by quoting online well ahead of the renewal date
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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