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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U.S. average insurance rates for a Ford Fusion Hybrid are $1,504 a year for full coverage. Comprehensive costs an estimated $240, collision insurance costs $494, and liability insurance costs around $570. Buying just liability costs as low as $634 a year, and insurance for high-risk drivers costs around $3,276. Teenage drivers pay the highest rates at up to $5,918 a year.
Average premium for full coverage: $1,504
Price estimates broken down by individual coverage:
Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different 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 low end price of $634 for minimum levels of liability insurance to a much higher rate of $3,276 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on average rates.
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 Details
The chart below shows average Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $875
- Using higher $1,000 deductibles will save approximately $168 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,504
- Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,828
- Drivers who are prone to accidents and violations could pay up to $3,276
- The price that insures a teen driver with full coverage can cost as much as $5,918 or more
Insurance prices for a Ford Fusion Hybrid are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,900 a year. View Rates by Age
The state you live in has a huge impact on Ford Fusion Hybrid insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Iowa, Maine, and Idaho, or be forced to pay 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% |
Using high physical damage deductibles could cut prices by as much as $500 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $513 more each year. View Rates by Deductible or Liability Limit
| 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 Find the Cheapest Ford Fusion Hybrid Insurance
Getting lower rates on Ford Fusion Hybrid insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices at every other renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a recap of the concepts that were raised in the charts and tables above.
- High-risk drivers that have major violations or accidents may pay on average $1,770 more annually to buy Ford Fusion Hybrid insurance
- Drivers age 20 and younger are expensive to insure, with premiums as much as $493 a month if comprehensive and collision insurance is included
- Drivers can save approximately $180 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $500 each year
- Drivers can save approximately $180 per year just by shopping 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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