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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Average insurance prices for a Ford Fusion Hybrid are $1,504 every 12 months for full coverage. Comprehensive insurance costs an estimated $240, collision costs $494, and liability costs around $570. A policy with just liability insurance costs as low as $634 a year, with coverage for high-risk drivers costing $3,276 or more. Teen drivers receive the highest rates at $5,918 a year or more.
Average premium for full coverage: $1,504
Rate estimates broken down by individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Fusion Hybrid models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $634 for a discount liability-only rate to the much higher price of $3,276 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas.
The example below illustrates how geographic area affects insurance prices.
These examples show why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $875
- Using higher $1,000 deductibles will save approximately $168 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,504
- Choosing pricier low deductibles for physical damage coverage costs an extra $324 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,276 or more
- The cost to insure a 16-year-old driver for full coverage can cost as much as $5,918 or more
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $500 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $513 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,800 to $2,500 additional per year, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers can be from 42% to 133% more than average. View High Risk Driver Rates
Where you live has a huge impact on Ford Fusion Hybrid insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Iowa, Maine, and Idaho, or as much as $2,140 on average in New York, Louisiana, and Michigan.
| 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 so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly 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 the Cheapest Ford Fusion Hybrid Insurance
Saving money on insurance for a Ford Fusion Hybrid requires avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a recap of the concepts that were presented in the illustrations above.
- Drivers considered higher risk that have major violations or accidents pay on average $1,770 more annually for car insurance
- Teenagers are expensive to insure, costing as high as $493 per month if full coverage is included
- Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $500 each year
- Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date
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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