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 $1,504 a year for full coverage. Comprehensive costs on average $240, collision costs $494, and liability costs $570. Buying just liability costs as little as $634 a year, with insurance for high-risk drivers costing around $3,276. Teen drivers pay the highest rates at $5,918 a year or more.
Average premium for full coverage: $1,504
Price estimates by individual coverage:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Fusion Hybrid trim levels.
Price Range from Low to High
For a 40-year-old driver, Ford Fusion Hybrid insurance prices go from as low as $634 for basic liability insurance to a much higher rate of $3,276 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how your location can change car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of 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.
Rate Comparisons
The chart below shows estimated Ford Fusion Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $875
- Drivers who choose higher $1,000 deductibles will pay around $168 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,504
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,828
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,276 or more
- The price for full coverage for a teen driver with full coverage may cost $5,918 a year
Insurance prices for a Ford Fusion Hybrid are also quite variable based on your driving record, the trim level of your Fusion Hybrid, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,900 a year. View Rates by Age
The state you live in makes a big difference in Ford Fusion Hybrid insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or 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% |
Choosing high deductibles could save up to $500 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $513 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every company uses a different rate calculation, and prices may be quite different from one company to the next.
| 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 Find Low Cost Ford Fusion Hybrid Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The following list is a review of the primary concepts that were illustrated above.
- Drivers can save as much as $180 per year simply by shopping early and online
- Higher risk drivers who have several accidents or serious violations will pay on average $1,770 more each year than a safer driver
- Increasing physical damage deductibles can save around $500 each year
- Drivers age 16 to 20 pay higher prices, with premiums as much as $493 a month including comprehensive and collision insurance
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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