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 prices for a Ford Fusion Hybrid are $1,504 every 12 months for full coverage insurance. Comprehensive insurance costs around $240, collision insurance costs $494, and liability costs $570. Liability-only insurance costs as little as $634 a year, and high-risk driver insurance costs $3,276 or more. Teenage drivers pay the most at up to $5,918 a year.
Average premium for full coverage: $1,504
Premium estimates for type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford Fusion Hybrid range from the cheapest price of $634 for your basic liability-only policy to a much higher rate of $3,276 for a high-risk insurance 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 more infrequent physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using average rates.
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 Information
The chart below illustrates average Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $875
- Drivers who choose higher $1,000 deductibles will pay about $168 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,504
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $324 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,276
- An auto insurance policy to insure 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 physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles could save up to $500 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $513 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher 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 excellent drivers should be prepared to pay as much as $5,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates
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 be forced to pay as much as $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% |
| 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 the Best Cheap 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 deciding if full coverage is necessary. Spend time shopping around at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a quick review of the car insurance concepts touched on above.
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,770 more every year than a driver with a clean driving record
- It is possible to save up to $180 per year just by shopping early and online
- Increasing policy deductibles could save as much as $500 each year
- Policyholders who may need additional liability coverage will pay an extra $630 annually to go from 30/60 bodily injury limits to a 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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