Ford Fusion Hybrid Insurance Rates
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UPDATED: May 22, 2024
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Estimated insurance rates for a Ford Fusion Hybrid are $1,578 a year with full coverage. Comprehensive insurance costs on average $260 a year, collision costs $564, and liability coverage is $554. A liability-only policy costs around $620 a year, with high-risk insurance costing $3,444 or more. Teenage drivers pay the most at $6,148 a year or more.
Average premium for full coverage: $1,578
Premium estimates by type of coverage:
These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Fusion Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Ford Fusion Hybrid go from as low as $620 for liability-only coverage to a high of $3,444 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why it is important to compare rates quotes based on a specific location and risk profile, 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.
Additional Charts and Tables
The chart below details estimated Ford Fusion Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $910
- Raising to $1,000 deductibles will save around $1,392 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,578
- Using low $100 deductibles will cost an extra $368 each year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,444 or more
- An auto insurance policy for full coverage for a teenage driver may cost $6,148
Auto insurance prices for a Ford Fusion Hybrid also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $6,100 a year. View Rates by Age
Where you choose to live also has a big influence on Ford Fusion Hybrid insurance rates. A middle-age driver might find prices as low as $1,130 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,120 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $560 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $498 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 134% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
| 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 Cheap Ford Fusion Hybrid Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below is a brief summary of the material that was covered in the charts and tables above.
- Consumers who require higher levels of liability will pay an extra $610 every year to raise from 30/60 bodily injury limits to 250/500 limits
- Teenage drivers are charged the highest prices, possibly costing $512 per month if they have full coverage
- Drivers that tend to have accidents or serious violations may be required to pay an average of $1,870 more each year for auto insurance
- Increasing policy deductibles can save around $550 each year
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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