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 on average $240 each year, collision insurance costs $494, and liability insurance is estimated at $570. A liability-only policy costs approximately $634 a year, and high-risk insurance costs $3,276 or more. Teen drivers cost the most to insure at up to $5,918 a year.
Average premium for full coverage: $1,504
Policy rates by type of insurance:
Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Fusion Hybrid models.
Price Range Variability
For an average driver, Ford Fusion Hybrid insurance rates range from the cheapest price of $634 for liability-only coverage to a high rate of $3,276 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above show why all drivers should get quotes based on a specific location and their own driving history, rather than relying on 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.
Additional Charts and Tables
The chart below shows 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 $168 a year
- The average price for a good driver age 40 with $500 deductibles is $1,504
- Choosing low deductibles for comp and collision coverage costs an extra $324 a year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,276
- Policy cost to insure a teen driver may cost $5,918 each year
Car insurance rates for a Ford Fusion Hybrid also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Fusion Hybrid.
Choosing high deductibles can save as much as $500 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $513 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $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 at a minimum $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 133% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Ford Fusion Hybrid insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or as much as $2,140 on average in Michigan, Louisiana, and New York.
| 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 More Affordable Ford Fusion Hybrid Insurance
Finding cheaper rates on Ford Fusion Hybrid insurance takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every year by getting quotes from direct carriers, and also from local independent and exclusive agents.
The next list is a summary of the coverage data covered in the above illustrations.
- Drivers can save as much as $180 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Drivers age 20 and younger are expensive to insure, costing up to $493 each month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations pay an average of $1,770 more each year to buy Ford 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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