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 for full coverage. Comprehensive insurance costs an estimated $240, collision insurance costs $494, and liability insurance costs $570. Buying just liability costs as little as $634 a year, and insurance for high-risk drivers costs $3,276 or more. Teens receive the highest rates at up to $5,918 a year.
Average premium for full coverage: $1,504
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Fusion Hybrid trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $634 for a discount liability-only rate to a much higher rate of $3,276 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.
These examples show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, 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.
Rates by State, City, and Model
The chart below shows average Ford Fusion Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $875
- Drivers who choose higher $1,000 deductibles will pay approximately $168 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,504
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $324 a year
- High risk drivers with serious driving violations could pay up to $3,276
- The cost for full coverage for a teen driver with full coverage can cost as much as $5,918 a year
Auto insurance rates for a Ford Fusion Hybrid can also vary considerably based on your driver profile, the trim level of your Fusion Hybrid, and liability limits and deductibles.
An older driver with a good driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,900 a year. View Rates by Age
Where you live makes a big difference in Ford Fusion Hybrid insurance rates. A 40-year-old driver could pay 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $500 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $513 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
| 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 More Affordable Ford Fusion Hybrid Insurance
Saving money on Ford Fusion Hybrid insurance not only requires being a good driver, but also having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a summary of the data illustrated above.
- Drivers who want an increased level of liability coverage will pay approximately $630 each year to go from a minimum limit to 250/500 limits
- Drivers can save approximately $180 per year just by shopping early and online
- Increasing deductibles can save around $500 each year
- Drivers age 16 to 20 are the costliest to insure, costing as high as $493 per month if they have 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.
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