Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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Average insurance rates for a Ford Fusion Hybrid are $1,538 a year including full coverage. Comprehensive insurance costs an estimated $250, collision costs $524, and liability costs $564. A liability-only policy costs as little as $628 a year, with high-risk insurance costing $3,354 or more. 16-year-old drivers receive the highest rates at $6,026 a year or more.
Average premium for full coverage: $1,538
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Fusion Hybrid models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $628 for just the minimum liability insurance to the much higher price of $3,354 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates the effect of geographic area on insurance prices.
These examples highlight why everyone should compare rates for a targeted area 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.
Additional Rate Analysis
The chart below breaks down estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $892
- Drivers who choose higher $1,000 deductibles will pay approximately $176 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,538
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $344 annually
- Drivers with multiple tickets or accidents could pay up to $3,354 or more
- The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $6,026 a year
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on your driver profile, the model of your Fusion Hybrid, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $6,000 a year. View Rates by Age
Where you live makes a big difference in Ford Fusion Hybrid insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,190 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,390 | -$148 | -9.6% |
| Alaska | $1,178 | -$360 | -23.4% |
| Arizona | $1,272 | -$266 | -17.3% |
| Arkansas | $1,538 | -$0 | 0.0% |
| California | $1,750 | $212 | 13.8% |
| Colorado | $1,466 | -$72 | -4.7% |
| Connecticut | $1,578 | $40 | 2.6% |
| Delaware | $1,738 | $200 | 13.0% |
| Florida | $1,918 | $380 | 24.7% |
| Georgia | $1,416 | -$122 | -7.9% |
| Hawaii | $1,100 | -$438 | -28.5% |
| Idaho | $1,040 | -$498 | -32.4% |
| Illinois | $1,144 | -$394 | -25.6% |
| Indiana | $1,160 | -$378 | -24.6% |
| Iowa | $1,038 | -$500 | -32.5% |
| Kansas | $1,458 | -$80 | -5.2% |
| Kentucky | $2,094 | $556 | 36.2% |
| Louisiana | $2,276 | $738 | 48.0% |
| Maine | $950 | -$588 | -38.2% |
| Maryland | $1,268 | -$270 | -17.6% |
| Massachusetts | $1,226 | -$312 | -20.3% |
| Michigan | $2,666 | $1,128 | 73.3% |
| Minnesota | $1,284 | -$254 | -16.5% |
| Mississippi | $1,840 | $302 | 19.6% |
| Missouri | $1,364 | -$174 | -11.3% |
| Montana | $1,652 | $114 | 7.4% |
| Nebraska | $1,208 | -$330 | -21.5% |
| Nevada | $1,840 | $302 | 19.6% |
| New Hampshire | $1,106 | -$432 | -28.1% |
| New Jersey | $1,716 | $178 | 11.6% |
| New Mexico | $1,360 | -$178 | -11.6% |
| New York | $1,616 | $78 | 5.1% |
| North Carolina | $884 | -$654 | -42.5% |
| North Dakota | $1,258 | -$280 | -18.2% |
| Ohio | $1,062 | -$476 | -30.9% |
| Oklahoma | $1,576 | $38 | 2.5% |
| Oregon | $1,406 | -$132 | -8.6% |
| Pennsylvania | $1,466 | -$72 | -4.7% |
| Rhode Island | $2,048 | $510 | 33.2% |
| South Carolina | $1,390 | -$148 | -9.6% |
| South Dakota | $1,296 | -$242 | -15.7% |
| Tennessee | $1,344 | -$194 | -12.6% |
| Texas | $1,852 | $314 | 20.4% |
| Utah | $1,138 | -$400 | -26.0% |
| Vermont | $1,050 | -$488 | -31.7% |
| Virginia | $920 | -$618 | -40.2% |
| Washington | $1,186 | -$352 | -22.9% |
| West Virginia | $1,408 | -$130 | -8.5% |
| Wisconsin | $1,062 | -$476 | -30.9% |
| Wyoming | $1,368 | -$170 | -11.1% |
Opting for high physical damage deductibles could save up to $520 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $507 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,800 to $2,600 extra per year, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Hybrid | $260 | $564 | $554 | $1,578 |
| 2019 Ford Fusion Hybrid | $250 | $524 | $564 | $1,538 |
| 2018 Ford Fusion Hybrid | $240 | $494 | $570 | $1,504 |
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 Affordable Ford Fusion Hybrid Insurance
Saving money on insurance for a Ford Fusion Hybrid not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The items below are a brief review of the ideas that were covered in the above illustrations.
- Teen drivers are charged the highest rates, as much as $502 per month for full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,820 more annually to insure their Fusion Hybrid
- Increasing deductibles can save around $525 each year
- You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,026 |
| 20 | $3,590 |
| 30 | $1,584 |
| 40 | $1,538 |
| 50 | $1,408 |
| 60 | $1,380 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,882 |
| $250 | $1,720 |
| $500 | $1,538 |
| $1,000 | $1,362 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,538 |
| 50/100 | $1,651 |
| 100/300 | $1,792 |
| 250/500 | $2,158 |
| 100 CSL | $1,707 |
| 300 CSL | $2,017 |
| 500 CSL | $2,243 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,566 |
| 20 | $5,730 |
| 30 | $3,406 |
| 40 | $3,354 |
| 50 | $3,208 |
| 60 | $3,176 |
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 | $80 |
| Multi-vehicle | $84 |
| Homeowner | $25 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $66 |
| Advance Quote | $75 |
| Online Quote | $107 |
| Total Discounts | $646 |
Discounts are estimated and may not be available from every company or in every state.
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