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 prices for a Ford Fusion Hybrid are $1,538 every 12 months with full coverage. Comprehensive costs around $250 a year, collision insurance costs $524, and liability is estimated at $564. Liability-only insurance costs approximately $628 a year, and high-risk driver insurance costs around $3,354. Teens pay the highest rates at up to $6,026 a year.
Average premium for full coverage: $1,538
Price estimates for individual coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Fusion Hybrid trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Ford Fusion Hybrid insurance prices range from the cheapest price of $628 for basic liability insurance to a high of $3,354 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below details average Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $892
- Choosing higher $1,000 deductibles can save about $1,362 annually
- The average price for the average middle-age driver using $500 deductibles is $1,538
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,882
- Higher-risk drivers with serious driving violations could pay at least $3,354
- The price to insure a 16-year-old driver can be $6,026 each year
Car insurance prices for a Ford Fusion Hybrid are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $520 annually, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $507 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $6,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,800 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Fusion Hybrid insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,070 on average in Florida, Michigan, and New York.
| 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% |
| 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 Shop for the Right Ford Fusion Hybrid Insurance
Getting lower rates on insurance for a Ford Fusion Hybrid takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the data raised in the charts and tables above.
- Insureds who may need increased liability limits will pay approximately $620 every year to raise limits from a low limit to a 250/500 level
- You may be able to save up to $180 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $525 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $502 a month if the policy includes full coverage
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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