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 costs around $240 a year, collision costs $494, and liability coverage is estimated at $570. A liability-only policy costs approximately $634 a year, with high-risk insurance costing around $3,276. Teen drivers pay the most at $5,918 a year or more.
Average premium for full coverage: $1,504
Premium estimates for type of coverage:
Price estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Ford Fusion Hybrid go from the cheapest price of $634 for just the minimum liability insurance to a high of $3,276 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences illustrate why it is important to get quotes for a specific zip code and their own driving history, rather than using 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 Rate Analysis
The chart below illustrates estimated Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $875
- Choosing higher $1,000 deductibles can save about $1,336 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,504
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,828
- Drivers with multiple violations and an at-fault accident could pay at least $3,276 or more
- An auto insurance policy to insure a teenage driver can be $5,918 each year
Auto 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.
Choosing high deductibles can save as much as $500 a year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $513 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have 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 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Ford Fusion Hybrid insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
With such a large range in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.
| 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 Cheaper Ford Fusion Hybrid Insurance
Finding better rates on auto insurance takes having a good driving record, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a condensed summary of the data covered above.
- Consumers who may need increased levels of liability coverage will pay about $630 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- It is possible to save up to $180 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $500 each year
- Drivers age 20 and younger are expensive to insure, with premiums being up to $493 per month if comprehensive and collision insurance is included
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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