Ford Fusion Hybrid Car Insurance [Rates + Coverage Guide]

Average Ford Fusion Hybrid car insurance rates cost $137 per month ($1,644 per year). Teens pay the highest rates at up to $6,009 a year, while good drivers may only pay $966.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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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 can be a little pricier. Ford Fusion Hybrid insurance costs around $125 more per year than the average vehicle. The good news is that our guide goes over average rates and ways to save on Ford Fusion Hybrid insurance rates.

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

Ford Fusion Hybrid Insurance Cost

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

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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 C-Max Hybrid, Chrysler Pacifica Hybrid, and Toyota Prius.

Vehicle Comprehensive Collision Liability Total
Ford Fusion Hybrid $322 $656 $466 $1,644
Ford C-Max Hybrid $282 $566 $398 $1,404
Chrysler Pacifica Hybrid $370 $656 $338 $1,500
Toyota Prius $306 $512 $332 $1,286
Chevrolet Volt $370 $774 $398 $1,700
Ford Fusion Energi $336 $626 $372 $1,492
Lexus GS 450h $394 $774 $398 $1,724
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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 can impact the total price you will pay for Ford Fusion Hybrid insurance coverage.

Age of the Vehicle

Older Ford Fusion Hybrid models generally cost less to insure. For example, auto insurance rates for a 2020 Ford Fusion Hybrid are $1,644, while 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 instance, a 30-year-old driver may pay $72 more each year for Ford Fusion Hybrid auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford Fusion Hybrid insurance rates. For example, drivers in Los Angeles may pay $1,414 a year more than drivers in Indianapolis.

Your Driving Record

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

Ford Fusion Hybrid Safety Ratings

Your Ford Fusion Hybrid car insurance rates are tied to the safety ratings of the Ford Fusion Hybrid. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Ford Fusion Hybrid Crash Test Ratings

The crash test ratings of the Ford Fusion Hybrid can impact your Ford Fusion Hybrid car 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 Ford Fusion Hybrid safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Ford Fusion Hybrid auto insurance rates. The Ford Fusion Hybrid’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Ford Fusion Hybrid Insurance Loss Probability

The Ford Fusion Hybrid’s insurance loss probability varies between different coverage types. The lower percentage means lower Ford Fusion Hybrid auto insurance costs; higher percentages mean higher Ford Fusion Hybrid auto insurance costs.

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

If you are financing a Ford Fusion Hybrid, you will pay more if you purchase Ford Fusion Hybrid car insurance at the dealership, so be sure to shop around and compare Ford Fusion Hybrid car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Fusion Hybrid Insurance

You have more options at your disposal to save money on your Ford Fusion Hybrid auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Fusion Hybrid car insurance rates

  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Pay Your Ford Fusion Hybrid Insurance Upfront
  • Ask About Retiree Discounts
  • Use a Service Like Turo to Rent Out Your Ford Fusion Hybrid
  • Ask About Ford Fusion Hybrid Low Mileage Discounts

Top Ford Fusion Hybrid Insurance Companies

Several insurance companies offer competitive rates for the Ford Fusion Hybrid based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Ford Fusion Hybrid drivers organized by market share.

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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