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 auto insurance rates for a Ford Fusion Hybrid are $1,504 annually for full coverage. Comprehensive insurance costs approximately $240 a year, collision costs $494, and liability coverage costs around $570. A policy with only liability insurance costs as low as $634 a year, with a high-risk policy costing $3,276 or more. Teen drivers pay the most at $5,918 a year or more.
Average premium for full coverage: $1,504
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Ford Fusion Hybrid go from as cheap as $634 for the bare minimum liability coverage to a high of $3,276 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why it is important to compare prices using their specific location 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 shows estimated Ford Fusion Hybrid insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $875
- Using higher $1,000 deductibles will save $1,336 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,504
- Choosing low $100 deductibles for physical damage coverage costs an additional $324 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,276 or more
- An auto insurance policy with full coverage for a teenage driver can cost $5,918 or more
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 physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $500 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $513 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Ford Fusion Hybrid insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Iowa, Maine, and Idaho, or as much as $2,140 on average in New York, Louisiana, 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 such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be substantially 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 Cheaper Ford Fusion Hybrid Insurance
Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around at every other renewal by requesting quotes from direct carriers, and also from several local insurance agents.
The points below are a condensed summary of the concepts that were raised in the charts and tables above.
- Drivers with multiple at-fault accidents pay on average $1,770 more per year to insure a Ford Fusion Hybrid
- Drivers under the age of 20 pay the highest auto insurance prices, as much as $493 per month if comprehensive and collision insurance is included
- Drivers can save around $180 per year simply by quoting early and online
- Increasing policy deductibles could save up to $500 each year
- Drivers can save around $180 per year simply by quoting early and online
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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