Ford Fusion Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 22, 2024
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Estimated insurance prices for a Ford Fusion Hybrid are $1,504 every 12 months with full coverage. Comprehensive costs around $240, collision insurance costs $494, and liability insurance is estimated at $570. Liability-only insurance costs approximately $634 a year, and high-risk driver insurance costs around $3,276. 16-year-old drivers pay the most at up to $5,918 a year.
Average premium for full coverage: $1,504
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Fusion Hybrid models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Ford Fusion Hybrid range from the cheapest price of $634 for just liability coverage to the much higher price of $3,276 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.
These rate differences demonstrate why everyone should get quotes for a specific zip code and their own driving history, rather than relying on rate 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.
Detailed Rate Analysis
The chart below details average Ford Fusion Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $875
- Choosing higher $1,000 deductibles can save about $168 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,504
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,828
- High-risk insureds with multiple tickets or accidents could pay at least $3,276
- An auto insurance policy to insure a teen driver for full coverage can be $5,918 each year
Insurance prices for a Ford Fusion Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $500 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $513 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,800 to $2,500 additional annually, depending on your age. Ford Fusion Hybrid insurance for high-risk drivers ranges anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Ford Fusion Hybrid insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,356 | -$148 | -9.8% |
| Alaska | $1,150 | -$354 | -23.5% |
| Arizona | $1,244 | -$260 | -17.3% |
| Arkansas | $1,504 | -$0 | 0.0% |
| California | $1,710 | $206 | 13.7% |
| Colorado | $1,434 | -$70 | -4.7% |
| Connecticut | $1,544 | $40 | 2.7% |
| Delaware | $1,698 | $194 | 12.9% |
| Florida | $1,876 | $372 | 24.7% |
| Georgia | $1,386 | -$118 | -7.8% |
| Hawaii | $1,076 | -$428 | -28.5% |
| Idaho | $1,018 | -$486 | -32.3% |
| Illinois | $1,118 | -$386 | -25.7% |
| Indiana | $1,132 | -$372 | -24.7% |
| Iowa | $1,016 | -$488 | -32.4% |
| Kansas | $1,424 | -$80 | -5.3% |
| Kentucky | $2,046 | $542 | 36.0% |
| Louisiana | $2,222 | $718 | 47.7% |
| Maine | $928 | -$576 | -38.3% |
| Maryland | $1,240 | -$264 | -17.6% |
| Massachusetts | $1,200 | -$304 | -20.2% |
| Michigan | $2,608 | $1,104 | 73.4% |
| Minnesota | $1,256 | -$248 | -16.5% |
| Mississippi | $1,798 | $294 | 19.5% |
| Missouri | $1,332 | -$172 | -11.4% |
| Montana | $1,614 | $110 | 7.3% |
| Nebraska | $1,180 | -$324 | -21.5% |
| Nevada | $1,798 | $294 | 19.5% |
| New Hampshire | $1,080 | -$424 | -28.2% |
| New Jersey | $1,678 | $174 | 11.6% |
| New Mexico | $1,330 | -$174 | -11.6% |
| New York | $1,580 | $76 | 5.1% |
| North Carolina | $864 | -$640 | -42.6% |
| North Dakota | $1,230 | -$274 | -18.2% |
| Ohio | $1,036 | -$468 | -31.1% |
| Oklahoma | $1,540 | $36 | 2.4% |
| Oregon | $1,376 | -$128 | -8.5% |
| Pennsylvania | $1,432 | -$72 | -4.8% |
| Rhode Island | $2,004 | $500 | 33.2% |
| South Carolina | $1,358 | -$146 | -9.7% |
| South Dakota | $1,266 | -$238 | -15.8% |
| Tennessee | $1,314 | -$190 | -12.6% |
| Texas | $1,808 | $304 | 20.2% |
| Utah | $1,114 | -$390 | -25.9% |
| Vermont | $1,028 | -$476 | -31.6% |
| Virginia | $900 | -$604 | -40.2% |
| Washington | $1,158 | -$346 | -23.0% |
| West Virginia | $1,376 | -$128 | -8.5% |
| Wisconsin | $1,040 | -$464 | -30.9% |
| Wyoming | $1,340 | -$164 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Hybrid | $250 | $524 | $564 | $1,538 |
| 2019 Ford Fusion Hybrid | $240 | $494 | $570 | $1,504 |
| 2018 Ford Fusion Hybrid | $230 | $442 | $574 | $1,446 |
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 Best Ford Fusion Hybrid Insurance
Finding better rates on Ford Fusion Hybrid insurance takes being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates every year by obtaining price quotes from direct companies, and also from several local insurance agents.
Below you'll find a brief recap of the coverage data touched on in this article.
- You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $500 each year
- Youthful drivers are charged the highest prices, possibly costing $493 per month if full coverage is included
- High-risk drivers who tend to receive serious violations pay on average $1,770 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,918 |
| 20 | $3,508 |
| 30 | $1,542 |
| 40 | $1,504 |
| 50 | $1,376 |
| 60 | $1,350 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,828 |
| $250 | $1,676 |
| $500 | $1,504 |
| $1,000 | $1,336 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,504 |
| 50/100 | $1,618 |
| 100/300 | $1,761 |
| 250/500 | $2,131 |
| 100 CSL | $1,675 |
| 300 CSL | $1,989 |
| 500 CSL | $2,217 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,402 |
| 20 | $5,594 |
| 30 | $3,324 |
| 40 | $3,276 |
| 50 | $3,134 |
| 60 | $3,104 |
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 | $78 |
| Multi-vehicle | $83 |
| Homeowner | $24 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $64 |
| Advance Quote | $73 |
| Online Quote | $104 |
| Total Discounts | $629 |
Discounts are estimated and may not be available from every company or in every state.
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