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 auto insurance rates for a Ford Fusion Hybrid are $1,504 annually for full coverage. Comprehensive insurance costs an estimated $240 a year, collision costs $494, and liability costs around $570. A liability-only policy costs as low as $634 a year, with high-risk insurance 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 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Fusion Hybrid trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $634 for basic liability insurance to a high of $3,276 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
These examples show why it is important to compare prices for a targeted area and their own personal driving habits, instead of using 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.
Rate Comparisons
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 $1,336 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,504
- Choosing low $100 deductibles for physical damage coverage costs an additional $324 every year
- Drivers with multiple violations and an at-fault accident could pay up to $3,276 or more
- The cost with full coverage for a teen driver can cost as much as $5,918 or more
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on the trim level of your Fusion Hybrid, your driver profile, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $500 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $513 more per year. View Rates by Deductible or Liability Limit
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 get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly 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 the Cheapest Ford Fusion Hybrid Insurance
Saving money on car insurance requires being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Invest time comparing rates at every other renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a recap of the concepts that were covered in the charts and tables above.
- Higher risk drivers that have major violations or accidents may pay on average $1,770 more annually for auto insurance
- Teenage drivers are charged the highest rates, costing as high as $493 per month including comprehensive and collision insurance
- Drivers can save approximately $180 per year simply by quoting early and online
- Increasing deductibles could save up to $500 each year
- Drivers can save approximately $180 per year simply by quoting 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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