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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Estimated insurance rates for a Ford Fusion Hybrid are $1,504 a year for full coverage insurance. Comprehensive costs an estimated $240, collision insurance costs $494, and liability coverage is estimated at $570. Liability-only coverage costs approximately $634 a year, and high-risk coverage costs around $3,276. 16-year-old drivers pay the most at up to $5,918 a year.
Average premium for full coverage: $1,504
Premium estimates broken down by type of coverage:
Prices include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Fusion Hybrid models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford Fusion Hybrid range from the low end price of $634 for your basic liability-only policy to the much higher price of $3,276 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The example below illustrates how location impacts insurance prices.
These rate differences illustrate why everyone should get quotes for a targeted area, rather than using 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.
More Rate Information
The chart below illustrates average Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $875
- Choosing higher $1,000 deductibles can save approximately $168 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,504
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,828
- Drivers with multiple tickets or accidents could pay up to $3,276
- An auto insurance policy that insures a teenage driver for full coverage can cost as much as $5,918 each year
Insurance prices for a Ford Fusion Hybrid also have a wide range based on the model of your Fusion Hybrid, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,800 to $2,500 extra annually, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers ranges around 42% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford Fusion Hybrid insurance rates. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,030 on average in Florida, New York, 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% |
Opting for high physical damage deductibles can save as much as $500 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $513 more per 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 Right Ford Fusion Hybrid Insurance
Finding better rates on auto insurance takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
Below is a quick rundown of the data that was touched on above.
- It is possible to save approximately $180 per year just by quoting online well ahead of the renewal date
- Consumers who want higher levels of liability will pay around $630 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers are charged the highest prices, with premiums being up to $493 per month if full coverage is included
- Drivers with reckless driving or DUI convictions may have to pay on average $1,770 more annually for auto insurance
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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