Ford Fusion Hybrid Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average auto insurance rates for a Ford Fusion Hybrid are $1,504 annually with full coverage. Comprehensive costs on average $240 a year, collision costs $494, and liability insurance costs around $570. Liability-only coverage costs as low as $634 a year, with high-risk coverage costing around $3,276. 16-year-old drivers cost the most to insure at $5,918 a year or more.

Average premium for full coverage: $1,504

Policy rates by type of insurance:

Comprehensive $240
Collision $494
Liability $570

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Fusion Hybrid trim levels.

Price Range Variability

Using a middle-aged driver as an example, Ford Fusion Hybrid insurance rates go from as cheap as $634 for just the minimum liability insurance to a high of $3,276 for a driver who requires high-risk insurance.

Liability Only $634
Full Coverage $1,504
High Risk $3,276

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $1,128
Small Cities $1,579
Large Cities $2,030

The examples above demonstrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on rate 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.

By clicking, you agree to our Terms of Use

Additional Rate Analysis

The chart below details estimated Ford Fusion Hybrid insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $875
  • Using higher $1,000 deductibles will save around $1,336 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,504
  • Buying low $100 deductibles for physical damage coverage will cost $1,828
  • Drivers with multiple tickets or accidents could pay upwards of $3,276 or more
  • Policy cost with full coverage for a teen driver may cost $5,918 or more

View Chart as Image

Ford Fusion Hybrid insurance cost comparison chart
Column chart showing full coverage Ford Fusion Hybrid insurance rates range from $875 to $5,918

Insurance rates for a Ford Fusion Hybrid also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $500 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $513 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Fusion Hybrid insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.

Ford Fusion Hybrid Insurance Rates by State
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%

View Chart as Image

Ford Fusion Hybrid insurance rates by U.S. city

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

Ford Fusion Hybrid Insurance Rates by Model Year
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 Low Cost Ford Fusion Hybrid Insurance

Finding cheaper rates on Ford Fusion Hybrid insurance requires having a decent driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a review of the concepts that were touched on in the above illustrations.

  • High-risk drivers who have several accidents or serious violations pay an average of $1,770 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers pay higher rates, as much as $493 each month if they have full coverage
  • You may be able to save as much as $180 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $500 each year
  • You may be able to save as much as $180 per year simply by quoting early and online

Rates by Driver Age

Ford Fusion Hybrid Insurance 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

Ford Fusion Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,828
$250 $1,676
$500 $1,504
$1,000 $1,336

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Hybrid Insurance Rates with Different Liability Limits
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

Ford Fusion Hybrid Insurance 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.

SR-22 Surcharge $214

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
Rate after discounts $875

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles