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 insurance. Comprehensive costs an estimated $240 a year, collision costs $494, and liability coverage costs $570. Buying just liability costs as little as $634 a year, with insurance for high-risk drivers costing around $3,276. 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:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Fusion Hybrid trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $634 for the bare minimum liability coverage to a high of $3,276 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.
The diagram below illustrates the effect of geographic area on insurance prices.
These examples illustrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than 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.
Additional Rate Information
The chart below illustrates estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $875
- Drivers who choose higher $1,000 deductibles will pay approximately $1,336 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,504
- Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,828
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,276 or more
- The cost with full coverage for a teenage driver can cost as much as $5,918 a year
Auto insurance rates for a Ford Fusion Hybrid can also vary considerably based on the trim level of your Fusion Hybrid, your risk profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have 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 are probably paying $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $500 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $513 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Ford Fusion Hybrid insurance rates. A 40-year-old driver could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,030 on average in Florida, New York, 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 figure out which company is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, and quoted 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 Affordable Ford Fusion Hybrid Insurance
Saving money on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a brief review of the information covered in the above illustrations.
- It is possible to save approximately $180 per year simply by quoting early and online
- Youthful drivers are the costliest to insure, costing up to $493 per month if full coverage is included
- Increasing deductibles could save up to $500 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,770 more annually than a low-risk driver
- Consumers who want more liability protection will pay about $630 annually to go from a minimum limit 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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