Ford Fusion Hybrid Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 22, 2024
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The average insurance rates for a Ford Fusion Hybrid are $1,504 a year for full coverage insurance. Comprehensive costs approximately $240, collision costs $494, and liability is $570. Liability-only insurance costs around $634 a year, with high-risk driver insurance costing around $3,276. Teens cost the most to insure at $5,918 a year or more.
Average premium for full coverage: $1,504
Policy rates by type of insurance:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Fusion Hybrid models.
Price Range Variability
For the average 40-year-old driver, Ford Fusion Hybrid insurance rates go from the low end price of $634 for just liability coverage to the much higher price of $3,276 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.
The example below illustrates the difference location can make on auto insurance prices.
The examples above illustrate why everyone should compare rates quotes using their specific location, 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.
Detailed Rate Analysis
The chart below illustrates estimated Ford Fusion Hybrid insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $875
- Raising to $1,000 deductibles will save $168 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,504
- Selecting pricier low deductibles bumps up the cost to $1,828
- Drivers with serious driving violations could pay around $3,276 or more
- Policy cost that insures a 16-year-old driver for full coverage can cost $5,918
Auto insurance rates for a Ford Fusion Hybrid also range considerably based on the model of your Fusion Hybrid, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,900 a year. View Rates by Age
Your home state also has a big influence on Ford Fusion Hybrid insurance prices. A middle-age driver might find rates as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $513 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates will be varied.
| 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 the Right Ford Fusion Hybrid Insurance
Finding cheaper rates on insurance for a Ford Fusion Hybrid consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The following is a quick rundown of the concepts that were touched on in this article.
- Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,770 more per year for Fusion Hybrid insurance
- Teens have the highest car insurance rates, possibly costing $493 each month if the policy includes full coverage
- It is possible to save around $180 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- It is possible to save around $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 | $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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