Ford Fusion Hybrid Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Ford Fusion Hybrid are $1,538 annually with full coverage. Comprehensive costs an estimated $250 each year, collision costs $524, and liability is $564. Liability-only insurance costs around $628 a year, with high-risk driver insurance costing around $3,354. 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:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Fusion Hybrid models.
Price Range Variability
For an average driver, Ford Fusion Hybrid insurance rates go from as cheap as $628 for your basic liability-only policy to a high rate of $3,354 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on insurance prices.
The examples above demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of 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.
More Rate Information
The chart below details estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $892
- Raising to $1,000 deductibles will save approximately $176 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,538
- Choosing low deductibles will cost $1,882
- At-risk drivers with multiple violations and an at-fault accident could pay up to $3,354 or more
- Policy cost with full coverage for a teen driver can cost as much as $6,026
Auto insurance rates for a Ford Fusion Hybrid also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $6,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,800 to $2,600 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $520 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $507 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Ford Fusion Hybrid insurance prices. A middle-age driver might find rates 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 do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.
| 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 Buy Low Cost Ford Fusion Hybrid Insurance
Finding cheaper rates on car insurance consists of being a good driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a review of the data covered in the above illustrations.
- Policyholders who want an increased level of liability coverage will pay about $620 every year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save approximately $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $525 each year
- Drivers age 16 to 20 are the costliest to insure, as much as $502 each month if full coverage is included
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
