Ford Fusion Hybrid Insurance Rates
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Michelle Robbins
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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 for full coverage insurance. Comprehensive costs on average $240 each year, collision insurance costs $494, and liability insurance costs $570. Liability-only insurance costs as little as $634 a year, and high-risk driver insurance costs around $3,276. Teen drivers cost the most to insure at up to $5,918 a year.
Average premium for full coverage: $1,504
Policy rates by type of insurance:
Includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Fusion Hybrid models.
Price Range Variability
Using a 40-year-old driver as an example, Ford Fusion Hybrid insurance rates range from as cheap as $634 for your basic liability-only policy to a high rate of $3,276 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying 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.
More Rate Information
The chart below illustrates average 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 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,504
- Choosing low deductibles for comprehensive and collision insurance will cost $1,828
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,276
- Policy cost with full coverage for a teen driver may cost $5,918 a year
Auto insurance rates for a Ford Fusion Hybrid also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have 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 are probably paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $500 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $513 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Ford Fusion Hybrid insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,030 on average in Michigan, New York, and Florida.
| 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% |
| 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 the Cheapest Ford Fusion Hybrid Insurance
Finding cheaper rates on Ford Fusion Hybrid insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a recap of the material that was raised in the charts and tables above.
- Drivers who require more liability protection will pay about $630 annually to go from a 30/60 limit to higher 250/500 limits
- Youthful drivers are charged the highest rates, possibly costing $493 each month if full coverage is included
- High-risk drivers that have major violations or accidents may pay on average $1,770 more each year than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $500 each year
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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