Ford Fusion Hybrid Insurance Rates
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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
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Average auto insurance rates for a Ford Fusion Hybrid are $1,504 annually for full coverage. Comprehensive costs approximately $240 a year, collision costs $494, and liability insurance is $570. A liability-only policy costs around $634 a year, with high-risk insurance costing around $3,276. Teens receive the highest rates at $5,918 a year or more.
Average premium for full coverage: $1,504
Rate estimates by individual coverage type:
Includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Fusion Hybrid trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $634 for just liability coverage to a high of $3,276 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects auto insurance prices.
These examples show why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on 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 shows estimated Ford Fusion Hybrid insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $875
- Raising to $1,000 deductibles will save $1,336 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,504
- Selecting low $100 deductibles will cost $1,828
- Higher-risk drivers with serious driving violations could pay around $3,276 or more
- The cost with full coverage for a teen driver can cost $5,918
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on the trim level of your Fusion Hybrid, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $513 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Ford Fusion Hybrid insurance rates. A middle-age driver might find rates as low as $990 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,140 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, so the rates can be significantly different between companies.
| 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 the Cheapest Ford Fusion Hybrid Insurance
Saving money on Ford Fusion Hybrid insurance consists of avoiding accidents and claims, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates once a year by requesting rates from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The points below are a recap of the data that was presented in the illustrations above.
- Drivers can save around $180 per year simply by quoting early and online
- Drivers who purchase increased liability limits will pay approximately $630 each year to raise from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are expensive to insure, costing as high as $493 per month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents pay on average $1,770 more per year to insure a Ford Fusion Hybrid
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.
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