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...
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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 with full coverage. Comprehensive costs around $240 each year, collision insurance costs $494, and liability costs around $570. Buying just liability costs as low as $634 a year, and insurance for high-risk drivers costs around $3,276. 16-year-old drivers pay the highest rates at up to $5,918 a year.
Average premium for full coverage: $1,504
Price estimates for individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Fusion Hybrid models.
Price Range from Low to High
For the average 40-year-old driver, Ford Fusion Hybrid insurance prices range from as low as $634 for a discount liability-only rate to a high rate of $3,276 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details average Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $875
- Using higher $1,000 deductibles will save about $168 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,504
- Buying low deductibles for physical damage coverage will increase the cost to $1,828
- High-risk insureds with multiple tickets or accidents could pay at least $3,276
- The price for full coverage for a 16-year-old driver can be $5,918 or more
Insurance prices for a Ford Fusion Hybrid are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,900 a year. View Rates by Age
The state you live in has a huge impact on Ford Fusion Hybrid insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.
| 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 could cut prices by as much as $500 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $513 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,800 to $2,500 additional each year, depending on your age. Insurance for high-risk drivers can be from 42% to 133% more than the average rate. View High Risk Driver Rates
| 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 Cheaper Ford Fusion Hybrid Insurance
Getting lower rates on insurance for a Ford Fusion Hybrid requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a condensed summary of the data touched on in this article.
- Insureds who may need higher liability limits will pay around $630 every year to increase from a low limit to 250/500 limits
- You may be able to save up to $180 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $500 each year
- Teenagers are charged the highest prices, costing up to $493 a month including comprehensive and collision 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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