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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Average insurance prices for a Ford Fusion Hybrid are $1,538 every 12 months for full coverage insurance. Comprehensive costs an estimated $250, collision costs $524, and liability coverage is $564. A liability-only policy costs around $628 a year, with high-risk insurance costing around $3,354. 16-year-old drivers receive the highest rates at $6,026 a year or more.
Average premium for full coverage: $1,538
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Fusion Hybrid trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $628 for just liability insurance to a much higher rate of $3,354 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how location impacts insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using rate 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.
More Rate Details
The chart below illustrates estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $892
- Raising to $1,000 deductibles will save approximately $176 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,538
- Buying more expensive low deductibles increases the price to $1,882
- Unlucky drivers with multiple tickets or accidents could pay up to $3,354 or more
- The cost to insure a teenage driver with full coverage can cost as much as $6,026
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce rates by up to $520 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $507 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $6,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,800 to $2,600 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Ford Fusion Hybrid insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,070 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.
| 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 Affordable Ford Fusion Hybrid Insurance
Saving money on auto insurance consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a brief review of the ideas that were touched on above.
- Drivers age 20 and younger are charged the highest rates, costing up to $502 per month if they have full coverage
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,820 more annually to buy Ford Fusion Hybrid insurance
- Increasing deductibles could save as much as $525 each year
- It is possible to save approximately $180 per year simply by shopping early and online
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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