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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Estimated insurance rates for a Ford Fusion Hybrid are $1,504 a year with full coverage. Comprehensive insurance costs an estimated $240 each year, collision costs $494, and liability costs around $570. Liability-only insurance costs as low as $634 a year, with high-risk driver insurance costing $3,276 or more. Teens pay the most at $5,918 a year or more.
Average premium for full coverage: $1,504
Premium estimates broken down by type of coverage:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Fusion Hybrid models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Ford Fusion Hybrid go from the low end price of $634 for basic liability insurance to a high rate of $3,276 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how your location can change insurance prices.
These rate differences demonstrate why all drivers should compare prices for a targeted area, instead of making a decision based on averaged prices.
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 details estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $875
- Using higher $1,000 deductibles will save approximately $168 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,504
- Selecting low deductibles for physical damage coverage will cost an additional $324 annually
- High-risk insureds with serious driving violations could pay up to $3,276 or more
- An auto insurance policy that insures a 16-year-old driver can cost as much as $5,918 or more
Insurance prices for a Ford Fusion Hybrid also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have a few violations or you caused an accident, you may be forking out $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers can be from 42% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,900 a year. View Rates by Age
Where you choose to live 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 Utah, Ohio, and New Hampshire, or have to pay at least $2,030 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $500 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $513 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and prices will be substantially different.
| 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 Low Cost Ford Fusion Hybrid Insurance
Finding better rates on insurance for a Ford Fusion Hybrid requires being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Compare rates every time your policy renews by getting quotes from direct companies, and also from insurance agencies where you live.
The items below are a review of the information illustrated above.
- You may be able to save approximately $180 per year simply by quoting online in advance
- Teen drivers are expensive to insure, possibly costing $493 per month if comprehensive and collision insurance is included
- Increasing policy deductibles can save approximately $500 each year
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,770 more annually to insure their Fusion Hybrid
- Insureds who want more liability coverage will pay approximately $630 every year to increase from 30/60 bodily injury limits to the 250/500 level
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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