Ford Fusion Hybrid Insurance Rates

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UPDATED: May 22, 2024

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Average auto insurance rates for a Ford Fusion Hybrid are $1,504 annually for full coverage insurance. Comprehensive costs an estimated $240 a year, collision costs $494, and liability coverage costs $570. Buying just liability costs as little as $634 a year, with insurance for high-risk drivers costing around $3,276. Teen drivers receive the highest rates at $5,918 a year or more.

Average premium for full coverage: $1,504

Rate estimates broken down by individual coverage type:

Comprehensive $240
Collision $494
Liability $570

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Fusion Hybrid trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $634 for the bare minimum liability coverage to a high of $3,276 for a high-risk driver policy.

Liability Only $634
Full Coverage $1,504
High Risk $3,276

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,128
Small Cities $1,579
Large Cities $2,030

These examples illustrate why it is important to compare rates for a targeted area 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 illustrates estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $875
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,336 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,504
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,828
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,276 or more
  • The cost with full coverage for a teenage driver can cost as much as $5,918 a year

View Chart as Image

Ford Fusion Hybrid insurance cost comparison chart
Column chart showing full coverage Ford Fusion Hybrid insurance rates range from $875 to $5,918

Auto insurance rates for a Ford Fusion Hybrid can also vary considerably based on the trim level of your Fusion Hybrid, your risk profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $5,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $500 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $513 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Ford Fusion Hybrid insurance rates. A 40-year-old driver could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,030 on average in Florida, New York, and Michigan.

Ford Fusion Hybrid Insurance Rates by State
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%

View Chart as Image

Ford Fusion Hybrid insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.

Ford Fusion Hybrid Insurance Rates by Model Year
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 Affordable Ford Fusion Hybrid Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief review of the information covered in the above illustrations.

  • It is possible to save approximately $180 per year simply by quoting early and online
  • Youthful drivers are the costliest to insure, costing up to $493 per month if full coverage is included
  • Increasing deductibles could save up to $500 each year
  • Drivers with DUI or reckless driving convictions may pay on average $1,770 more annually than a low-risk driver
  • Consumers who want more liability protection will pay about $630 annually to go from a minimum limit to higher 250/500 limits

Rates by Driver Age

Ford Fusion Hybrid Insurance 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

Ford Fusion Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,828
$250 $1,676
$500 $1,504
$1,000 $1,336

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Hybrid Insurance Rates with Different Liability Limits
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

Ford Fusion Hybrid Insurance 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.

SR-22 Surcharge $214

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
Rate after discounts $875

Discounts are estimated and may not be available from every company or in every state.

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