Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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Average insurance prices for a Ford Fusion Hybrid are $1,538 every 12 months for full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $524, and liability coverage costs $564. A liability-only policy costs as little as $628 a year, and high-risk insurance costs $3,354 or more. Teenage drivers receive the highest rates at up to $6,026 a year.
Average premium for full coverage: $1,538
Rate estimates by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and Fusion Hybrid models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $628 for just liability insurance to a high rate of $3,354 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why all drivers should compare rates based on a specific location and their own driving history, rather than 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.
More Rate Details
The chart below shows average Ford Fusion Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $892
- Drivers who choose higher $1,000 deductibles will pay around $176 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,538
- Using low deductibles for comprehensive and collision insurance costs an extra $344 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,354
- The cost to insure a teenage driver may cost $6,026 a year
Insurance rates for a Ford Fusion Hybrid can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Fusion Hybrid.
Using high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $507 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $6,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Ford Fusion Hybrid insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,190 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Affordable Ford Fusion Hybrid Insurance
Saving money on auto insurance not only requires having a good driving record, but also having good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Set aside time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a brief review of the concepts that were covered above.
- Drivers with DUI or reckless driving convictions pay an average of $1,820 more each year to buy Ford Fusion Hybrid insurance
- Drivers age 20 and younger pay the highest rates, costing as high as $502 per month if they have full coverage
- Drivers can save as much as $180 per year just by quoting online in advance
- Increasing deductibles could save as much as $525 each year
- Drivers can save as much as $180 per year just by quoting online in advance
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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