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 auto insurance rates for a Ford Fusion Hybrid are $1,504 annually including full coverage. Comprehensive insurance costs around $240 a year, collision costs $494, and liability is estimated at $570. Liability-only insurance costs approximately $634 a year, with high-risk driver insurance costing $3,276 or more. Teen drivers pay the most at $5,918 a year or more.
Average premium for full coverage: $1,504
Premium estimates for type of coverage:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Ford Fusion Hybrid go from as cheap as $634 for just liability insurance to a high of $3,276 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance rates.
These rate differences highlight why it is important to get quotes for a specific zip code and their own personal driving habits, 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.
More Rate Details
The chart below breaks down estimated Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $875
- Choosing higher $1,000 deductibles can save about $1,336 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,504
- Choosing low $100 deductibles for comp and collision coverage costs an additional $324 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,276 or more
- An auto insurance policy with full coverage for a 16-year-old driver can be $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 driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $500 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $513 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Ford Fusion Hybrid insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,140 on average in Michigan, New York, and Louisiana.
| 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 such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and prices will be substantially different 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 Cheap Ford Fusion Hybrid Insurance
Finding better rates on insurance for a Ford Fusion Hybrid takes having a good driving record, having good credit, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates every time your policy renews by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the information covered in the charts and tables above.
- You may be able to save up to $180 per year simply by quoting early and online
- Drivers age 20 and younger are charged the highest prices, with the cost nearing $493 per month if they have full coverage
- Increasing policy deductibles could save up to $500 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,770 more every year to buy Ford Fusion Hybrid insurance
- Insureds who may need increased levels of liability coverage will pay about $630 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
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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