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 insurance rates for a Ford Fusion Hybrid are $1,504 a year including full coverage. Comprehensive insurance costs an estimated $240 each year, collision costs $494, and liability insurance is $570. A liability-only policy costs around $634 a year, with high-risk insurance costing $3,276 or more. 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:
Includes $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Fusion Hybrid models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $634 for basic liability insurance to a high rate of $3,276 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
These examples highlight why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on 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.
Rate Comparisons
The chart below breaks down estimated Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $875
- Raising to $1,000 deductibles will save approximately $168 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,504
- Choosing low deductibles will cost an extra $324 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,276 or more
- The cost for full coverage for a teen driver can cost as much as $5,918
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on your driver profile, the model of your Fusion Hybrid, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $5,900 a year. View Rates by Age
Where you live also has a big influence on Ford Fusion Hybrid insurance rates. A middle-age driver might find rates as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,140 on average in Louisiana, New York, 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% |
Choosing high deductibles can reduce rates by up to $500 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $513 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates can be significantly different 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 the Cheapest Ford Fusion Hybrid Insurance
Saving money on Ford Fusion Hybrid insurance consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following is a recap of the information touched on in the above illustrations.
- You may be able to save approximately $180 per year simply by quoting online in advance
- Teens are charged the highest rates, as much as $493 per month for full coverage
- Increasing deductibles can save around $500 each year
- High-risk drivers that have major violations or accidents may pay on average $1,770 more annually for Fusion Hybrid insurance
- Drivers who want higher liability limits will pay about $630 per year to raise from a minimum limit to 250/500 limits
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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