Ford Fusion Hybrid Insurance Rates

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2018 Ford Fusion Hybrid Car Insurance Rates in 2025

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UPDATED: May 22, 2024

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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:

Comprehensive $250
Collision $524
Liability $564

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

For the normal driver, Ford Fusion Hybrid insurance rates range from the cheapest price of $628 for your basic liability-only policy to a high of $3,354 for a driver required to buy high-risk insurance.

Liability Only $628
Full Coverage $1,538
High Risk $3,354

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.

Rural Areas $1,154
Small Cities $1,615
Large Cities $2,076

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Ford Fusion Hybrid insurance cost comparison chart
Column chart showing Ford Fusion Hybrid insurance rates range from $892 to $6,026 for full coverage

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.

Ford Fusion Hybrid Insurance Rates by State
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%

View Chart as Image

Ford Fusion Hybrid insurance rates by U.S. city
Ford Fusion Hybrid Insurance Rates by Model Year
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 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

Rates by Driver Age

Ford Fusion Hybrid Insurance 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

Ford Fusion Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,882
$250 $1,720
$500 $1,538
$1,000 $1,362

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Hybrid Insurance Rates with Different Liability Limits
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

Ford Fusion Hybrid Insurance 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.

SR-22 Surcharge $219

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
Rate after discounts $892

Discounts are estimated and may not be available from every company or in every state.

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