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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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:
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.
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.
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.
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
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.
| 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% |
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.
| 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
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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