Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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The average insurance rates for a Ford Fusion Hybrid are $1,578 a year for full coverage insurance. Comprehensive insurance costs on average $260, collision insurance costs $564, and liability is $554. Liability-only insurance costs around $620 a year, and high-risk driver insurance costs $3,444 or more. Teen drivers cost the most to insure at up to $6,148 a year.
Average premium for full coverage: $1,578
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Fusion Hybrid models.
Price Range Variability
Using a middle-aged driver as an example, Ford Fusion Hybrid insurance rates range from as low as $620 for just the minimum liability insurance to the much higher price of $3,444 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how where you live affects car insurance rates.
The examples above illustrate why everyone should compare rates quotes based on a specific location and risk profile, instead of using 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.
Additional Rate Analysis
The chart below illustrates average Ford Fusion Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $910
- Raising to $1,000 deductibles will save around $186 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,578
- Choosing pricier low deductibles will cost an extra $368 every year
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,444
- Policy cost for full coverage for a teen driver for full coverage may cost $6,148
Auto insurance rates for a Ford Fusion Hybrid also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $6,100 a year. View Rates by Age
Your home state also has a big influence on Ford Fusion Hybrid insurance prices. A middle-age driver might find rates as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,120 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,424 | -$154 | -9.8% |
| Alaska | $1,206 | -$372 | -23.6% |
| Arizona | $1,306 | -$272 | -17.2% |
| Arkansas | $1,578 | -$0 | 0.0% |
| California | $1,796 | $218 | 13.8% |
| Colorado | $1,506 | -$72 | -4.6% |
| Connecticut | $1,618 | $40 | 2.5% |
| Delaware | $1,784 | $206 | 13.1% |
| Florida | $1,970 | $392 | 24.8% |
| Georgia | $1,454 | -$124 | -7.9% |
| Hawaii | $1,132 | -$446 | -28.3% |
| Idaho | $1,068 | -$510 | -32.3% |
| Illinois | $1,174 | -$404 | -25.6% |
| Indiana | $1,188 | -$390 | -24.7% |
| Iowa | $1,068 | -$510 | -32.3% |
| Kansas | $1,496 | -$82 | -5.2% |
| Kentucky | $2,148 | $570 | 36.1% |
| Louisiana | $2,332 | $754 | 47.8% |
| Maine | $974 | -$604 | -38.3% |
| Maryland | $1,300 | -$278 | -17.6% |
| Massachusetts | $1,260 | -$318 | -20.2% |
| Michigan | $2,734 | $1,156 | 73.3% |
| Minnesota | $1,318 | -$260 | -16.5% |
| Mississippi | $1,886 | $308 | 19.5% |
| Missouri | $1,398 | -$180 | -11.4% |
| Montana | $1,692 | $114 | 7.2% |
| Nebraska | $1,240 | -$338 | -21.4% |
| Nevada | $1,890 | $312 | 19.8% |
| New Hampshire | $1,132 | -$446 | -28.3% |
| New Jersey | $1,760 | $182 | 11.5% |
| New Mexico | $1,396 | -$182 | -11.5% |
| New York | $1,656 | $78 | 4.9% |
| North Carolina | $908 | -$670 | -42.5% |
| North Dakota | $1,290 | -$288 | -18.3% |
| Ohio | $1,088 | -$490 | -31.1% |
| Oklahoma | $1,618 | $40 | 2.5% |
| Oregon | $1,444 | -$134 | -8.5% |
| Pennsylvania | $1,504 | -$74 | -4.7% |
| Rhode Island | $2,104 | $526 | 33.3% |
| South Carolina | $1,426 | -$152 | -9.6% |
| South Dakota | $1,328 | -$250 | -15.8% |
| Tennessee | $1,378 | -$200 | -12.7% |
| Texas | $1,898 | $320 | 20.3% |
| Utah | $1,168 | -$410 | -26.0% |
| Vermont | $1,078 | -$500 | -31.7% |
| Virginia | $944 | -$634 | -40.2% |
| Washington | $1,216 | -$362 | -22.9% |
| West Virginia | $1,446 | -$132 | -8.4% |
| Wisconsin | $1,090 | -$488 | -30.9% |
| Wyoming | $1,402 | -$176 | -11.2% |
Choosing high deductibles can reduce rates by up to $560 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $498 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 in extra premium every year, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers is expensive and can cost as much as 42% to 134% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Hybrid | $274 | $586 | $536 | $1,596 |
| 2019 Ford Fusion Hybrid | $260 | $564 | $554 | $1,578 |
| 2018 Ford Fusion Hybrid | $250 | $524 | $564 | $1,538 |
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
Finding cheaper rates on car insurance consists of having a decent driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a summary of the data touched on in the above illustrations.
- Policyholders who require additional liability coverage will pay about $610 annually to raise from a 30/60 limit to 250/500 limits
- It is possible to save as much as $190 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $550 each year
- 16 to 18-year-old drivers are charged the highest rates, possibly costing $512 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,148 |
| 20 | $3,690 |
| 30 | $1,626 |
| 40 | $1,578 |
| 50 | $1,444 |
| 60 | $1,416 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,946 |
| $250 | $1,772 |
| $500 | $1,578 |
| $1,000 | $1,392 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,578 |
| 50/100 | $1,689 |
| 100/300 | $1,827 |
| 250/500 | $2,187 |
| 100 CSL | $1,744 |
| 300 CSL | $2,049 |
| 500 CSL | $2,271 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,748 |
| 20 | $5,890 |
| 30 | $3,502 |
| 40 | $3,444 |
| 50 | $3,298 |
| 60 | $3,264 |
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 | $83 |
| Multi-vehicle | $86 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $70 |
| Advance Quote | $78 |
| Online Quote | $110 |
| Total Discounts | $668 |
Discounts are estimated and may not be available from every company or in every state.
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