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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U.S. average insurance rates for a Ford Fusion Hybrid are $1,538 a year for full coverage insurance. Comprehensive insurance costs an estimated $250, collision insurance costs $524, and liability is $564. Liability-only coverage costs around $628 a year, and high-risk coverage costs $3,354 or more. Teens pay the highest rates at up to $6,026 a year.
Average premium for full coverage: $1,538
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Fusion Hybrid models.
Price Range from Low to High
For a driver in their 40's, Ford Fusion Hybrid insurance prices range from as low as $628 for the bare minimum liability coverage to the much higher price of $3,354 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of using averaged prices.
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 Rate Information
The chart below illustrates average Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $892
- Raising to $1,000 deductibles will save approximately $176 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,538
- Selecting pricier low deductibles will cost an extra $344 every year
- At-risk drivers with serious driving violations could pay up to $3,354
- The price for full coverage for a teen driver for full coverage can cost as much as $6,026
Auto insurance prices for a Ford Fusion Hybrid are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $6,000 a year. View Rates by Age
The state you live in also has a big influence on Ford Fusion Hybrid insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,070 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,390 | -$148 | -9.6% |
| Alaska | $1,178 | -$360 | -23.4% |
| Arizona | $1,272 | -$266 | -17.3% |
| Arkansas | $1,538 | -$0 | 0.0% |
| California | $1,750 | $212 | 13.8% |
| Colorado | $1,466 | -$72 | -4.7% |
| Connecticut | $1,578 | $40 | 2.6% |
| Delaware | $1,738 | $200 | 13.0% |
| Florida | $1,918 | $380 | 24.7% |
| Georgia | $1,416 | -$122 | -7.9% |
| Hawaii | $1,100 | -$438 | -28.5% |
| Idaho | $1,040 | -$498 | -32.4% |
| Illinois | $1,144 | -$394 | -25.6% |
| Indiana | $1,160 | -$378 | -24.6% |
| Iowa | $1,038 | -$500 | -32.5% |
| Kansas | $1,458 | -$80 | -5.2% |
| Kentucky | $2,094 | $556 | 36.2% |
| Louisiana | $2,276 | $738 | 48.0% |
| Maine | $950 | -$588 | -38.2% |
| Maryland | $1,268 | -$270 | -17.6% |
| Massachusetts | $1,226 | -$312 | -20.3% |
| Michigan | $2,666 | $1,128 | 73.3% |
| Minnesota | $1,284 | -$254 | -16.5% |
| Mississippi | $1,840 | $302 | 19.6% |
| Missouri | $1,364 | -$174 | -11.3% |
| Montana | $1,652 | $114 | 7.4% |
| Nebraska | $1,208 | -$330 | -21.5% |
| Nevada | $1,840 | $302 | 19.6% |
| New Hampshire | $1,106 | -$432 | -28.1% |
| New Jersey | $1,716 | $178 | 11.6% |
| New Mexico | $1,360 | -$178 | -11.6% |
| New York | $1,616 | $78 | 5.1% |
| North Carolina | $884 | -$654 | -42.5% |
| North Dakota | $1,258 | -$280 | -18.2% |
| Ohio | $1,062 | -$476 | -30.9% |
| Oklahoma | $1,576 | $38 | 2.5% |
| Oregon | $1,406 | -$132 | -8.6% |
| Pennsylvania | $1,466 | -$72 | -4.7% |
| Rhode Island | $2,048 | $510 | 33.2% |
| South Carolina | $1,390 | -$148 | -9.6% |
| South Dakota | $1,296 | -$242 | -15.7% |
| Tennessee | $1,344 | -$194 | -12.6% |
| Texas | $1,852 | $314 | 20.4% |
| Utah | $1,138 | -$400 | -26.0% |
| Vermont | $1,050 | -$488 | -31.7% |
| Virginia | $920 | -$618 | -40.2% |
| Washington | $1,186 | -$352 | -22.9% |
| West Virginia | $1,408 | -$130 | -8.5% |
| Wisconsin | $1,062 | -$476 | -30.9% |
| Wyoming | $1,368 | -$170 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $507 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,800 to $2,600 in extra premium each year, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Hybrid | $260 | $564 | $554 | $1,578 |
| 2019 Ford Fusion Hybrid | $250 | $524 | $564 | $1,538 |
| 2018 Ford Fusion Hybrid | $240 | $494 | $570 | $1,504 |
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
Getting lower rates on car insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a quick review of the material that was covered in the charts and tables above.
- Policyholders who want higher levels of liability will pay approximately $620 annually to raise from a low limit to 250/500 limits
- Teenage drivers are the costliest to insure, as much as $502 a month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,820 more annually for auto insurance
- Increasing physical damage deductibles can save around $525 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,026 |
| 20 | $3,590 |
| 30 | $1,584 |
| 40 | $1,538 |
| 50 | $1,408 |
| 60 | $1,380 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,882 |
| $250 | $1,720 |
| $500 | $1,538 |
| $1,000 | $1,362 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,538 |
| 50/100 | $1,651 |
| 100/300 | $1,792 |
| 250/500 | $2,158 |
| 100 CSL | $1,707 |
| 300 CSL | $2,017 |
| 500 CSL | $2,243 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,566 |
| 20 | $5,730 |
| 30 | $3,406 |
| 40 | $3,354 |
| 50 | $3,208 |
| 60 | $3,176 |
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 | $80 |
| Multi-vehicle | $84 |
| Homeowner | $25 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $66 |
| Advance Quote | $75 |
| Online Quote | $107 |
| Total Discounts | $646 |
Discounts are estimated and may not be available from every company or in every state.
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