Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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The average insurance prices for a Ford Fusion Hybrid are $1,538 every 12 months with full coverage. Comprehensive insurance costs an estimated $250 a year, collision costs $524, and liability costs $564. Liability-only coverage costs as little as $628 a year, with high-risk coverage costing $3,354 or more. Teen drivers cost the most to insure at $6,026 a year or more.
Average premium for full coverage: $1,538
Policy rates broken down by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Fusion Hybrid trim levels.
Price Range Variability
For a driver around age 40, Ford Fusion Hybrid insurance rates go from the cheapest price of $628 for just liability coverage to a high of $3,354 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below details estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $892
- Drivers who choose higher $1,000 deductibles will pay approximately $1,362 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,538
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $344 annually
- Drivers with multiple violations and an at-fault accident could pay up to $3,354 or more
- Policy cost to insure a 16-year-old driver can cost as much as $6,026 a year
Insurance rates for a Ford Fusion Hybrid also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing high deductibles could save up to $520 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $507 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $6,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,800 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than average. View High Risk Driver Rates
Your home state makes a big difference in Ford Fusion Hybrid insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different rate calculation, and rates will be varied.
| 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 Shop for the Best Ford Fusion Hybrid Insurance
Finding cheaper rates on insurance for a Ford Fusion Hybrid not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.
The items below are a brief recap of the car insurance concepts covered above.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,820 more annually to insure their Fusion Hybrid
- You may be able to save approximately $180 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- Insureds who want more liability coverage will pay about $620 every year to go from a 30/60 limit to a 250/500 level
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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