Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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Estimated insurance prices for a Ford Fusion Hybrid are $1,538 every 12 months including full coverage. Comprehensive insurance costs around $250 each year, collision costs $524, and liability is $564. Liability-only coverage costs around $628 a year, with high-risk coverage costing $3,354 or more. Teenage drivers pay the most at $6,026 a year or more.
Average premium for full coverage: $1,538
Premium estimates for type of coverage:
Estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Fusion Hybrid models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Ford Fusion Hybrid go from the cheapest price of $628 for a discount liability-only rate to a high rate of $3,354 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using average rates.
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 breaks down estimated Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $892
- Raising to $1,000 deductibles will save about $176 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,538
- Using low deductibles costs an extra $344 every year
- At-risk drivers who are prone to accidents and violations could pay at least $3,354 or more
- An auto insurance policy to insure a teen driver can be $6,026
Insurance prices for a Ford Fusion Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $520 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $507 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $6,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,800 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Ford Fusion Hybrid insurance prices. A middle-age driver might find prices as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,190 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different.
| 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 Shop for Low Cost Ford Fusion Hybrid Insurance
Finding better rates on car insurance consists of having a good driving record, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The next list is a review of the car insurance concepts covered above.
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,820 more every year to buy Ford Fusion Hybrid insurance
- You may be able to save up to $180 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $525 each year
- Policyholders who may need increased levels of liability coverage will pay an extra $620 per year to raise from 30/60 bodily injury limits to a 250/500 level
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.
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