Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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Estimated insurance rates for a Ford Fusion Hybrid are $1,578 a year with full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $564, and liability costs around $554. A policy with only liability insurance costs as low as $620 a year, and a high-risk policy costs $3,444 or more. Teenage drivers pay the most at up to $6,148 a year.
Average premium for full coverage: $1,578
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Ford Fusion Hybrid range from as low as $620 for minimum levels of liability insurance to a high of $3,444 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based on average rates.
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 Details
The chart below details average Ford Fusion Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $910
- Using higher $1,000 deductibles will save $1,392 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,578
- Using low $100 deductibles for physical damage coverage will cost an extra $368 annually
- High-risk insureds who are prone to accidents and violations could pay around $3,444
- An auto insurance policy for full coverage for a 16-year-old driver can cost $6,148 or more
Car insurance prices for a Ford Fusion Hybrid also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $6,100 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 $1,130 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,120 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles could cut prices by as much as $560 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $498 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 134% more than a normal policy. View High Risk Driver Rates
| 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 Find Affordable Ford Fusion Hybrid Insurance
Finding better rates on insurance for a Ford Fusion Hybrid requires avoiding accidents and claims, having above-average credit, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief review of the data touched on in the above illustrations.
- Insureds who purchase increased liability limits will pay an extra $610 every year to increase from 30/60 bodily injury limits to 250/500 limits
- You may be able to save around $190 per year just by quoting early and online
- Increasing policy deductibles can save around $550 each year
- Drivers under the age of 20 pay the highest auto insurance prices, possibly costing $512 per month if full coverage is included
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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