Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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Estimated auto insurance rates for a Ford Fusion Hybrid are $1,578 annually for full coverage. Comprehensive insurance costs an estimated $260 a year, collision costs $564, and liability coverage is estimated at $554. A policy with only liability insurance costs approximately $620 a year, with a high-risk policy costing $3,444 or more. 16-year-old drivers pay the most at $6,148 a year or more.
Average premium for full coverage: $1,578
Premium estimates broken down by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Ford Fusion Hybrid go from as cheap as $620 for just the minimum liability insurance to a high of $3,444 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
These rate differences show why it is important to get quotes for a targeted area and their own personal driving habits, rather than using 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 shows estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $910
- Choosing higher $1,000 deductibles can save approximately $1,392 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,578
- Buying low $100 deductibles for comp and collision coverage costs an additional $368 each year
- Drivers with multiple tickets or accidents could pay up to $3,444 or more
- An auto insurance policy with full coverage for a teenage driver can cost as much as $6,148 each year
Car insurance prices for a Ford Fusion Hybrid also have a wide range based on the model of your Fusion Hybrid, your driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $6,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $560 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $498 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Ford Fusion Hybrid insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like Iowa, Maine, and Idaho, or at least $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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different 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 Affordable Ford Fusion Hybrid Insurance
Finding better rates on auto insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to compare rates once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a brief review of the data that was covered above.
- Drivers can save approximately $190 per year simply by quoting early and online
- Consumers who want higher liability limits will pay around $610 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Teenagers have the highest car insurance prices, as much as $512 per month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $1,870 more annually for car insurance
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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