Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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The average auto insurance rates for a Ford Fusion Hybrid are $1,578 annually for full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $564, and liability costs $554. Liability-only insurance costs as little as $620 a year, with high-risk driver insurance costing $3,444 or more. Teenage drivers cost the most to insure at $6,148 a year or more.
Average premium for full coverage: $1,578
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Fusion Hybrid models.
Price Range Variability
Using a 40-year-old driver as an example, Ford Fusion Hybrid insurance rates go from as cheap as $620 for just the minimum liability insurance to a high rate of $3,444 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The examples above show why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based 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 Analysis
The chart below shows estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $910
- Drivers who choose higher $1,000 deductibles will pay approximately $186 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,578
- Using low deductibles for comprehensive and collision insurance costs an additional $368 annually
- Drivers who are prone to accidents and violations could pay up to $3,444 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $6,148 a year
Auto insurance rates for a Ford Fusion Hybrid also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,900 to $2,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $560 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $498 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Ford Fusion Hybrid insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,250 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,424 | -$154 | -9.8% |
| Alaska | $1,206 | -$372 | -23.6% |
| Arizona | $1,306 | -$272 | -17.2% |
| Arkansas | $1,578 | -$0 | 0.0% |
| California | $1,796 | $218 | 13.8% |
| Colorado | $1,506 | -$72 | -4.6% |
| Connecticut | $1,618 | $40 | 2.5% |
| Delaware | $1,784 | $206 | 13.1% |
| Florida | $1,970 | $392 | 24.8% |
| Georgia | $1,454 | -$124 | -7.9% |
| Hawaii | $1,132 | -$446 | -28.3% |
| Idaho | $1,068 | -$510 | -32.3% |
| Illinois | $1,174 | -$404 | -25.6% |
| Indiana | $1,188 | -$390 | -24.7% |
| Iowa | $1,068 | -$510 | -32.3% |
| Kansas | $1,496 | -$82 | -5.2% |
| Kentucky | $2,148 | $570 | 36.1% |
| Louisiana | $2,332 | $754 | 47.8% |
| Maine | $974 | -$604 | -38.3% |
| Maryland | $1,300 | -$278 | -17.6% |
| Massachusetts | $1,260 | -$318 | -20.2% |
| Michigan | $2,734 | $1,156 | 73.3% |
| Minnesota | $1,318 | -$260 | -16.5% |
| Mississippi | $1,886 | $308 | 19.5% |
| Missouri | $1,398 | -$180 | -11.4% |
| Montana | $1,692 | $114 | 7.2% |
| Nebraska | $1,240 | -$338 | -21.4% |
| Nevada | $1,890 | $312 | 19.8% |
| New Hampshire | $1,132 | -$446 | -28.3% |
| New Jersey | $1,760 | $182 | 11.5% |
| New Mexico | $1,396 | -$182 | -11.5% |
| New York | $1,656 | $78 | 4.9% |
| North Carolina | $908 | -$670 | -42.5% |
| North Dakota | $1,290 | -$288 | -18.3% |
| Ohio | $1,088 | -$490 | -31.1% |
| Oklahoma | $1,618 | $40 | 2.5% |
| Oregon | $1,444 | -$134 | -8.5% |
| Pennsylvania | $1,504 | -$74 | -4.7% |
| Rhode Island | $2,104 | $526 | 33.3% |
| South Carolina | $1,426 | -$152 | -9.6% |
| South Dakota | $1,328 | -$250 | -15.8% |
| Tennessee | $1,378 | -$200 | -12.7% |
| Texas | $1,898 | $320 | 20.3% |
| Utah | $1,168 | -$410 | -26.0% |
| Vermont | $1,078 | -$500 | -31.7% |
| Virginia | $944 | -$634 | -40.2% |
| Washington | $1,216 | -$362 | -22.9% |
| West Virginia | $1,446 | -$132 | -8.4% |
| Wisconsin | $1,090 | -$488 | -30.9% |
| Wyoming | $1,402 | -$176 | -11.2% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Hybrid | $274 | $586 | $536 | $1,596 |
| 2019 Ford Fusion Hybrid | $260 | $564 | $554 | $1,578 |
| 2018 Ford Fusion Hybrid | $250 | $524 | $564 | $1,538 |
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 cheaper rates on insurance for a Ford Fusion Hybrid not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a brief summary of the ideas that were raised in the charts and tables above.
- Teenagers are the costliest to insure, costing up to $512 each month if full coverage is included
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,870 more annually for car insurance
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Drivers can save approximately $190 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,148 |
| 20 | $3,690 |
| 30 | $1,626 |
| 40 | $1,578 |
| 50 | $1,444 |
| 60 | $1,416 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,946 |
| $250 | $1,772 |
| $500 | $1,578 |
| $1,000 | $1,392 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,578 |
| 50/100 | $1,689 |
| 100/300 | $1,827 |
| 250/500 | $2,187 |
| 100 CSL | $1,744 |
| 300 CSL | $2,049 |
| 500 CSL | $2,271 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,748 |
| 20 | $5,890 |
| 30 | $3,502 |
| 40 | $3,444 |
| 50 | $3,298 |
| 60 | $3,264 |
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 | $83 |
| Multi-vehicle | $86 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $70 |
| Advance Quote | $78 |
| Online Quote | $110 |
| Total Discounts | $668 |
Discounts are estimated and may not be available from every company or in every state.
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