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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U.S. average auto insurance rates for a Ford Fusion Hybrid are $1,504 annually for full coverage. Comprehensive insurance costs around $240, collision costs $494, and liability insurance is $570. Liability-only coverage costs around $634 a year, with high-risk coverage costing $3,276 or more. Teenage drivers pay the highest rates at $5,918 a year or more.
Average premium for full coverage: $1,504
Price estimates for individual coverage:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Fusion Hybrid trim levels.
Price Range from Low to High
For the average 40-year-old driver, Ford Fusion Hybrid insurance prices go from as cheap as $634 for just the minimum liability insurance to a much higher rate of $3,276 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on 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.
Additional Rate Analysis
The chart below shows estimated Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $875
- Raising to $1,000 deductibles will save about $168 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,504
- Using more expensive low deductibles costs an additional $324 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,276 or more
- The price with full coverage for a teen driver with full coverage can be $5,918
Auto insurance prices for a Ford Fusion Hybrid are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $500 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $513 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Ford Fusion Hybrid insurance rates. A middle-age driver might find prices as low as $990 a year in states like Idaho, Maine, and Iowa, or be forced to pay 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% |
Since prices can be so different, the only way to know your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different between companies.
| 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 Buy the Best Cheap Ford Fusion Hybrid Insurance
Getting lower rates on Ford Fusion Hybrid insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a quick review of the information touched on in this article.
- Drivers can save up to $180 per year simply by shopping early and online
- Teens are expensive to insure, with premiums as much as $493 a month if full coverage is included
- Increasing physical damage deductibles could save up to $500 each year
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,770 more every year for Fusion Hybrid insurance
- Drivers who may need higher liability limits will pay an extra $630 each year to raise from a low limit to higher 250/500 limits
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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