Ford Fusion Hybrid Insurance Rates

The average insurance prices for a Ford Fusion Hybrid are $1,538 every 12 months for full coverage. Comprehensive costs around $250 a year, collision insurance costs $524, and liability costs $564. Liability-only insurance costs as little as $628 a year, and high-risk driver insurance costs around $3,354. Teens cost the most to insure at up to $6,026 a year.

Average premium for full coverage: $1,538

Policy rates for type of insurance:

Includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Fusion Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $892
• Drivers who choose higher $1,000 deductibles will pay about $1,362 a year
• The average price for a good driver age 40 using $500 deductibles is $1,538
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,882
• Higher-risk drivers with serious driving violations could pay at least $3,354
• Policy cost to insure a teen driver can be $6,026 a year

View Chart as Image

Auto insurance rates for a Ford Fusion Hybrid also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $520 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $507 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher 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, since even excellent drivers will have to pay as much as $6,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,800 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Ford Fusion Hybrid insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,190 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Cheapest Ford Fusion Hybrid Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a recap of the data presented in the illustrations above.

• Policyholders who may need higher liability limits will pay approximately $620 each year to go from a 30/60 limit to a 250/500 level
• Drivers can save up to $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teens are expensive to insure, costing up to $502 each month if comprehensive and collision insurance is included