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Ford Fusion Hybrid Insurance Rates [Rates + Coverage Guide]

Key takeaways:

  • Full coverage costs around $1,644 a year or $137 each month
  • A liability-only policy costs around $660 a year or $55 each month
  • Highest rates are for teenage drivers at around $6,009 a year or $501 each month
  • Good drivers can save as much as $678 a year by earning policy discounts
  • Ford Fusion Hybrid insurance costs around $125 more per year than the average vehicle

Ford Fusion Hybrid insurance rates cost $137 per month for full coverage and $55 per month for liability-only coverage. Continue reading to learn how you can save money on Ford Fusion Hybrid insurance rates through policy discounts.

You can start comparing quotes for Ford Fusion Hybrid auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Ford Fusion Hybrid Insurance Cost

The average Ford Fusion Hybrid auto insurance rates are $1,644 a year or $137 a month.

Are Ford Fusion Hybrids Expensive to Insure?

The chart below details how Ford Fusion Hybrid insurance rates compare to other hybrid/electrics like the Ford Fusion Energi, Buick LaCrosse, and Ford C-Max Hybrid.

Vehicle Comprehensive Collision Liability Total
Ford Fusion Hybrid $322 $656 $466 $1,644
Ford Fusion Energi $336 $626 $372 $1,492
Buick LaCrosse $320 $566 $338 $1,360
Ford C-Max Hybrid $282 $566 $398 $1,404
Honda Accord Hybrid $362 $718 $316 $1,532
Lexus GS 450h $394 $774 $398 $1,724
Hyundai Sonata Hybrid $322 $626 $420 $1,548
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However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Fusion Hybrid Insurance?

The Ford Fusion Hybrid trim and model you choose will affect the total price you will pay for Ford Fusion Hybrid insurance coverage.

Age of the Vehicle

The average Ford Fusion Hybrid auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Ford Fusion Hybrid are $1,644, while the 2010 Ford Fusion Hybrid rates are $1,368, a difference of $276.

Model Year Comprehensive Collision Liability Total
2020 Ford Fusion Hybrid $322 $656 $466 $1,644
2019 Ford Fusion Hybrid $306 $630 $488 $1,624
2018 Ford Fusion Hybrid $294 $626 $498 $1,618
2017 Ford Fusion Hybrid $284 $610 $520 $1,614
2016 Ford Fusion Hybrid $274 $586 $536 $1,596
2015 Ford Fusion Hybrid $260 $564 $554 $1,578
2014 Ford Fusion Hybrid $250 $524 $564 $1,538
2013 Ford Fusion Hybrid $240 $494 $570 $1,504
2011 Ford Fusion Hybrid $214 $408 $574 $1,396
2010 Ford Fusion Hybrid $206 $382 $580 $1,368
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Driver Age

Driver age can have a significant impact on Ford Fusion Hybrid auto insurance rates. For example, 20-year-old drivers pay approximately $2,011 more each year for their Ford Fusion Hybrid auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Fusion Hybrid insurance rates. For example, drivers in New York may pay $428 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Ford Fusion Hybrid auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Fusion Hybrid auto insurance with violations on their driving record.

Ford Fusion Hybrid Safety Ratings

Your Ford Fusion Hybrid auto insurance rates are influenced by the safety ratings of the Ford Fusion Hybrid. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Ford Fusion Hybrid Crash Test Ratings

Not only do good Ford Fusion Hybrid crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Ford Fusion Hybrid auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2016 Ford Fusion Hybrid 4 DR FWD 5 stars 5 stars 4 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Ford Fusion Hybrid Safety Features

The safety features of the Ford Fusion Hybrid can impact your Ford Fusion Hybrid auto insurance rates. The Ford Fusion Hybrid has the following safety features:

  • AdvanceTrac Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Emergency Sos
  • Reverse Sensing System Rear Parking Sensors
  • Ford Co-Pilot360 – Blind Spot Information System (BLIS) Blind Spot
  • Ford Co-Pilot360 – Automatic Emergency Braking (AEB) and Cross-Traffic Alert
  • Ford Co-Pilot360 – Lane-Keeping Assist Lane Keeping Assist
  • Ford Co-Pilot360 – Lane-Keeping Assist Lane Departure Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag
  • Mykey System -inc: Top Speed Limiter, Audio Volume Limiter, Early Low Fuel Warning, Programmable Sound Chimes and Beltminder w/Audio Mute
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • Back-Up Camera

Ford Fusion Hybrid Insurance Loss Probability

Another contributing factor that affects Ford Fusion Hybrid auto insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision 25%
Property Damage -3%
Comprehensive -2%
Personal Injury -8%
Medical Payment -7%
Bodily Injury -5%
Source: Insurance Institute for Highway Safety
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Ford Fusion Hybrid Finance and Insurance Cost

When financing a Ford Fusion Hybrid, most lenders will require your carry higher Ford Fusion Hybrid coverage options including comprehensive coverage, so be sure to shop around and compare Ford Fusion Hybrid auto insurance rates from the best companies using our FREE tool below.

Ways to Save on Ford Fusion Hybrid Insurance

There are many ways that you can save on Ford Fusion Hybrid auto insurance. Below are five actions you can take to find cheap Ford Fusion Hybrid auto insurance rates.

  • Pay Your Ford Fusion Hybrid Insurance Rates Upfront
  • Improve Your Credit Score
  • Reduce Your Coverage on an Older Ford Fusion Hybrid
  • Ask About Student Discounts
  • Ask About Seasonal Insurance for Your Ford Fusion Hybrid

Top Ford Fusion Hybrid Insurance Companies

Who is the best company for Ford Fusion Hybrid insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Fusion Hybrid insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Fusion Hybrid offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Ford Fusion Hybrid Insurance Quotes Online

You can start comparing quotes for Ford Fusion Hybrid auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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