Ford Fusion Hybrid Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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 insurance rates for a Ford Fusion Hybrid are $1,504 a year with full coverage. Comprehensive insurance costs approximately $240 a year, collision costs $494, and liability costs $570. Buying just liability costs as little as $634 a year, with insurance for high-risk drivers costing $3,276 or more. Teens cost the most to insure at $5,918 a year or more.
Average premium for full coverage: $1,504
Policy rates by type of insurance:
Estimates include $500 deductibles, 30/60 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 in their 40's, Ford Fusion Hybrid insurance rates go from as low as $634 for just liability coverage to a high of $3,276 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why it is important to compare rates using their specific location and risk profile, instead of 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.
Detailed Rate Analysis
The chart below details estimated Ford Fusion Hybrid insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $875
- Drivers who choose higher $1,000 deductibles will pay $1,336 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,504
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $324 every year
- Higher-risk drivers with serious driving violations could pay around $3,276 or more
- Policy cost for full coverage for a teen driver can cost $5,918 a year
Insurance rates for a Ford Fusion Hybrid also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $5,900 a year. View Rates by Age
Your home state makes a big difference in Ford Fusion Hybrid insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,030 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $500 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $513 more per 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 anywhere from $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company calculates rates differently, so the rates will be varied from one company to the next.
| 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 Find Low Cost Ford Fusion Hybrid Insurance
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a review of the data covered in the charts and tables above.
- Policyholders who purchase higher liability limits will pay approximately $630 every year to go from a 30/60 limit to 250/500 limits
- You may be able to save around $180 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $500 each year
- Teens are expensive to insure, as much as $493 each month for full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,828 |
| $250 | $1,676 |
| $500 | $1,504 |
| $1,000 | $1,336 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
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
