Ford Fusion Hybrid Insurance Rates

U.S. average insurance rates for a Ford Fusion Hybrid are $1,504 a year for full coverage. Comprehensive insurance costs an estimated $240 a year, collision insurance costs $494, and liability coverage costs $570. A policy with just liability insurance costs as little as $634 a year, and coverage for high-risk drivers costs $3,276 or more. 16-year-old drivers pay the highest rates at up to $5,918 a year.

Average premium for full coverage: $1,504

Price estimates broken down by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Fusion Hybrid trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above show why it is important to compare rates for a targeted area and risk profile, rather than using rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average Ford Fusion Hybrid insurance rates for other coverage scenarios.

• The best full coverage rate is $875
• Drivers who choose higher $1,000 deductibles will pay approximately $1,336 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,504
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $324 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,276
• The price for full coverage for a teenage driver can cost as much as $5,918 a year

View Chart as Image

Insurance prices for a Ford Fusion Hybrid are also quite variable based on your driving record, the trim level of your Fusion Hybrid, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $5,900 a year. View Rates by Age

The state you live in makes a big difference in Ford Fusion Hybrid insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Opting for high physical damage deductibles could save up to $500 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $513 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Ford Fusion Hybrid Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a summary of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $493 a month for full coverage
• Drivers who have multiple accidents or major violations pay an average of $1,770 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save around $500 each year
• Drivers can save approximately $180 per year just by quoting early and online