Ford Fusion Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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The average auto insurance rates for a Ford Fusion Hybrid are $1,578 annually including full coverage. Comprehensive insurance costs on average $260, collision costs $564, and liability coverage costs around $554. A liability-only policy costs as low as $620 a year, with high-risk insurance costing $3,444 or more. Teens cost the most to insure at $6,148 a year or more.

Average premium for full coverage: $1,578

Policy rates by type of insurance:

Comprehensive $260
Collision $564
Liability $554

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Fusion Hybrid trim levels.

Price Range Variability

For a driver in their 40's, Ford Fusion Hybrid insurance rates go from as cheap as $620 for liability-only coverage to a much higher rate of $3,444 for a high-risk driver policy.

Liability Only $620
Full Coverage $1,578
High Risk $3,444

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $1,184
Small Cities $1,657
Large Cities $2,130

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than 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.

Additional Charts and Tables

The chart below breaks down estimated Ford Fusion Hybrid insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $910
  • Using higher $1,000 deductibles will save around $186 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,578
  • Selecting more expensive low deductibles for physical damage coverage costs an additional $368 each year
  • Higher-risk drivers with serious driving violations could pay upwards of $3,444 or more
  • Policy cost with full coverage for a teenage driver with full coverage may cost $6,148 or more

View Chart as Image

Ford Fusion Hybrid insurance cost comparison chart
Column chart showing full coverage Ford Fusion Hybrid insurance prices range from $910 to $6,148

Car insurance rates for a Ford Fusion Hybrid also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can be around 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $560 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $498 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Fusion Hybrid insurance rates. A driver around age 40 might see rates as low as $1,210 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,250 on average in Michigan, New York, and Louisiana.

Ford Fusion Hybrid Insurance Rates by State
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%

View Chart as Image

Ford Fusion Hybrid insurance rates by U.S. city

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Each insurance company calculates rates differently, so rate quotes will be varied between companies.

Ford Fusion Hybrid Insurance Rates by Model Year
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 Buy the Right Ford Fusion Hybrid Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick rundown of the information covered in the charts and tables above.

  • You may be able to save as much as $190 per year simply by shopping early and online
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $512 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save up to $550 each year
  • Drivers with reckless driving or DUI convictions pay on average $1,870 more each year than a driver with a clean driving record
  • Consumers who require additional liability coverage will pay approximately $610 per year to increase from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Ford Fusion Hybrid Insurance 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

Ford Fusion Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,946
$250 $1,772
$500 $1,578
$1,000 $1,392

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Hybrid Insurance Rates with Different Liability Limits
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

Ford Fusion Hybrid Insurance 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.

SR-22 Surcharge $226

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
Rate after discounts $910

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

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