Ford Fusion Hybrid Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 22, 2024
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The average insurance rates for a Ford Fusion Hybrid are $1,538 a year with full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $524, and liability coverage costs $564. Liability-only insurance costs as little as $628 a year, and high-risk driver insurance costs $3,354 or more. Teens cost the most to insure at up to $6,026 a year.
Average premium for full coverage: $1,538
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Fusion Hybrid models.
Price Range Variability
For the average driver, Ford Fusion Hybrid insurance rates range from as low as $628 for your basic liability-only policy to the much higher price of $3,354 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.
The examples above demonstrate why everyone should compare rates for a targeted area and risk profile, rather than using 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.
More Rate Information
The chart below details average Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $892
- Drivers who choose higher $1,000 deductibles will pay approximately $176 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,538
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $344 each year
- High-risk insureds with serious driving violations could pay up to $3,354
- Policy cost for full coverage for a teenage driver for full coverage can cost as much as $6,026 a year
Auto insurance rates for a Ford Fusion Hybrid also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $6,000 a year. View Rates by Age
Your home state makes a big difference in Ford Fusion Hybrid insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,070 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,390 | -$148 | -9.6% |
| Alaska | $1,178 | -$360 | -23.4% |
| Arizona | $1,272 | -$266 | -17.3% |
| Arkansas | $1,538 | -$0 | 0.0% |
| California | $1,750 | $212 | 13.8% |
| Colorado | $1,466 | -$72 | -4.7% |
| Connecticut | $1,578 | $40 | 2.6% |
| Delaware | $1,738 | $200 | 13.0% |
| Florida | $1,918 | $380 | 24.7% |
| Georgia | $1,416 | -$122 | -7.9% |
| Hawaii | $1,100 | -$438 | -28.5% |
| Idaho | $1,040 | -$498 | -32.4% |
| Illinois | $1,144 | -$394 | -25.6% |
| Indiana | $1,160 | -$378 | -24.6% |
| Iowa | $1,038 | -$500 | -32.5% |
| Kansas | $1,458 | -$80 | -5.2% |
| Kentucky | $2,094 | $556 | 36.2% |
| Louisiana | $2,276 | $738 | 48.0% |
| Maine | $950 | -$588 | -38.2% |
| Maryland | $1,268 | -$270 | -17.6% |
| Massachusetts | $1,226 | -$312 | -20.3% |
| Michigan | $2,666 | $1,128 | 73.3% |
| Minnesota | $1,284 | -$254 | -16.5% |
| Mississippi | $1,840 | $302 | 19.6% |
| Missouri | $1,364 | -$174 | -11.3% |
| Montana | $1,652 | $114 | 7.4% |
| Nebraska | $1,208 | -$330 | -21.5% |
| Nevada | $1,840 | $302 | 19.6% |
| New Hampshire | $1,106 | -$432 | -28.1% |
| New Jersey | $1,716 | $178 | 11.6% |
| New Mexico | $1,360 | -$178 | -11.6% |
| New York | $1,616 | $78 | 5.1% |
| North Carolina | $884 | -$654 | -42.5% |
| North Dakota | $1,258 | -$280 | -18.2% |
| Ohio | $1,062 | -$476 | -30.9% |
| Oklahoma | $1,576 | $38 | 2.5% |
| Oregon | $1,406 | -$132 | -8.6% |
| Pennsylvania | $1,466 | -$72 | -4.7% |
| Rhode Island | $2,048 | $510 | 33.2% |
| South Carolina | $1,390 | -$148 | -9.6% |
| South Dakota | $1,296 | -$242 | -15.7% |
| Tennessee | $1,344 | -$194 | -12.6% |
| Texas | $1,852 | $314 | 20.4% |
| Utah | $1,138 | -$400 | -26.0% |
| Vermont | $1,050 | -$488 | -31.7% |
| Virginia | $920 | -$618 | -40.2% |
| Washington | $1,186 | -$352 | -22.9% |
| West Virginia | $1,408 | -$130 | -8.5% |
| Wisconsin | $1,062 | -$476 | -30.9% |
| Wyoming | $1,368 | -$170 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $520 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $507 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,800 to $2,600 in extra premium every year, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers can cost around 43% to 130% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Hybrid | $260 | $564 | $554 | $1,578 |
| 2019 Ford Fusion Hybrid | $250 | $524 | $564 | $1,538 |
| 2018 Ford Fusion Hybrid | $240 | $494 | $570 | $1,504 |
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 Best Ford Fusion Hybrid Insurance
Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the material that was touched on above.
- Consumers who want more liability protection will pay approximately $620 every year to go from a 30/60 limit to 250/500 limits
- Youthful drivers are the costliest to insure, as much as $502 each month if they have full coverage
- Drivers who tend to receive serious violations may pay on average $1,820 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $525 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,026 |
| 20 | $3,590 |
| 30 | $1,584 |
| 40 | $1,538 |
| 50 | $1,408 |
| 60 | $1,380 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,882 |
| $250 | $1,720 |
| $500 | $1,538 |
| $1,000 | $1,362 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,538 |
| 50/100 | $1,651 |
| 100/300 | $1,792 |
| 250/500 | $2,158 |
| 100 CSL | $1,707 |
| 300 CSL | $2,017 |
| 500 CSL | $2,243 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,566 |
| 20 | $5,730 |
| 30 | $3,406 |
| 40 | $3,354 |
| 50 | $3,208 |
| 60 | $3,176 |
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 | $80 |
| Multi-vehicle | $84 |
| Homeowner | $25 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $66 |
| Advance Quote | $75 |
| Online Quote | $107 |
| Total Discounts | $646 |
Discounts are estimated and may not be available from every company or in every state.
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