The Ford Fusion Hybrid is a fuel-efficient midsize sedan with a smooth ride, advanced technology, and strong safety features. Its hybrid powertrain delivers excellent gas mileage without compromising performance or comfort. While it's a great choice for commuters and eco-conscious drivers, choosing the right insurance policy is crucial to avoid high costs or insufficient coverage.
The average cost to insure a Ford Fusion Hybrid is around $1,224 per year, but you can lower your premiums by choosing the right insurance provider. Shopping around and comparing options can help you find the best deal for your coverage needs.
Several factors can impact the premium rates of your Ford Fusion Hybrid's insurance. The given is some of the common factors:
Older Ford Fusion Hybrid models usually have lower insurance costs since newer versions come with more advanced features and technology. The average yearly insurance for a 2018 Ford Fusion Hybrid is $1,623 , making it costlier than the rest of the model years.
| Model Year | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| 2018 Ford Fusion Hybrid | $135.25 | $1,623 |
| 2017 Ford Fusion Hybrid | $108.25 | $1,299 |
| 2016 Ford Fusion Hybrid | $132.25 | $1,587 |
| 2015 Ford Fusion Hybrid | $103.67 | $1,244 |
| 2014 Ford Fusion Hybrid | $98.17 | $1,178 |
| 2013 Ford Fusion Hybrid | $93.58 | $1,123 |
| 2012 Ford Fusion Hybrid | $95.08 | $1,141 |
| 2011 Ford Fusion Hybrid | $94.00 | $1,128 |
According to research by the Way.com team, Plymouth Rock Insurance provides the most affordable Ford Fusion Hybrid insurance rates, with an annual premium of $768. However, the lowest price doesn't always mean the best value. It's essential to compare coverage options carefully and ensure the policy includes all the features you need.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Plymouth Rock Insurance | $64 | $768 |
| Erie | $71 | $862 |
| Progressive | $72 | $864 |
| USAA | $92 | $1,100 |
| AAA | $98 | $1,176 |
The average annual premium cost to insure a 2018 Ford Fusion Hybrid is $1,623. However, Erie offers the cheapest rates at an annual premium of $949.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $79.08 | $949 |
| Tennessee Farmers | $88.92 | $1,067 |
| USAA | $100.17 | $1,202 |
| Vermont Mutual | $103.92 | $1,247 |
| Plymouth Rock Insurance | $105.58 | $1,267 |
| Acuity | $109.42 | $1,313 |
| Allied | $111.75 | $1,341 |
| Arbella | $113.33 | $1,360 |
| Country | $116.75 | $1,401 |
| Nationwide | $117.08 | $1,405 |
| Mercury | $118.50 | $1,422 |
The average annual premium cost to insure a 2017 Ford Fusion Hybrid is $1,299. However, Erie offers the cheapest rates at an annual premium of $870.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $72.50 | $870 |
| Texas Farm Bureau | $77.75 | $933 |
| Tennessee Farmers | $89.08 | $1,069 |
| USAA | $93.00 | $1,116 |
| Quincy Mutual | $97.17 | $1,166 |
| Vermont Mutual | $101.08 | $1,213 |
| Plymouth Rock Insurance | $102.67 | $1,232 |
| Arbella | $107.92 | $1,295 |
| Acuity | $109.50 | $1,314 |
| Allied | $113.50 | $1,362 |
| State Farm | $114.83 | $1,378 |
The average annual premium cost to insure a 2016 Ford Fusion Hybrid is $1,587. Erie offers the cheapest rates at an annual premium of $862 followed by Tennessee Farmers.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $71.83 | $862 |
| Tennessee Farmers | $88.25 | $1,059 |
| USAA | $92.33 | $1,108 |
| Vermont Mutual | $97.25 | $1,167 |
| Plymouth Rock Insurance | $99.33 | $1,192 |
| Arbella | $104.33 | $1,252 |
| Acuity | $106.25 | $1,275 |
| American Family | $111.08 | $1,333 |
| Country | $112.33 | $1,348 |
| Mercury | $114.75 | $1,377 |
| Allied | $116.08 | $1,393 |
The average annual premium cost to insure a 2015 Ford Fusion Hybrid is $1,244. However, Erie offers the cheapest rates at an annual premium of $808.
| Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Erie | $67.33 | $808 |
| Texas Farm Bureau | $80.50 | $966 |
| USAA | $88.92 | $1,067 |
| Quincy Mutual | $92.25 | $1,107 |
| Vermont Mutual | $94.50 | $1,134 |
| Tennessee Farmers | $96.08 | $1,153 |
| Plymouth Rock Insurance | $96.83 | $1,162 |
| Acuity | $103.92 | $1,247 |
| Arbella | $106.08 | $1,273 |
| Country | $111.58 | $1,339 |
| American Family | $112.08 | $1,345 |
| Mercury | $113.00 | $1,356 |
The average annual premium cost to insure a 2014 Ford Fusion Hybrid is $1,178. However, Texas Farm Bureau offers the cheapest rates at an annual premium of $875.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Texas Farm Bureau | $72.92 | $875 |
| Erie | $73.25 | $879 |
| Vermont Mutual | $84.83 | $1,018 |
| USAA | $86.92 | $1,043 |
| Tennessee Farmers | $89.17 | $1,070 |
| Quincy Mutual | $89.92 | $1,079 |
| Plymouth Rock Insurance | $93.92 | $1,127 |
| Acuity | $94.25 | $1,131 |
| Arbella | $95.75 | $1,149 |
| Country | $103.67 | $1,244 |
| Allied | $108.58 | $1,303 |
The average annual premium cost to insure a 2013 Ford Fusion Hybrid is $1,123. However, Erie offers the cheapest rates at an annual premium of $865.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $72.08 | $865 |
| Texas Farm Bureau | $72.50 | $870 |
| Vermont Mutual | $84.42 | $1,013 |
| USAA | $84.58 | $1,015 |
| Quincy Mutual | $87.58 | $1,051 |
| Tennessee Farmers | $90.33 | $1,084 |
| Plymouth Rock Insurance | $92.33 | $1,108 |
| Acuity | $93.00 | $1,116 |
| Arbella | $98.33 | $1,180 |
| Country | $104.42 | $1,253 |
| Allied | $105.67 | $1,268 |
| American Family | $105.83 | $1,270 |
The average annual premium cost to insure a 2012 Ford Fusion Hybrid is $1,141. However, Erie offers the cheapest rates at an annual premium at just $852.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $71.00 | $852 |
| Texas Farm Bureau | $74.33 | $892 |
| Vermont Mutual | $76.67 | $920 |
| Tennessee Farmers | $85.67 | $1,028 |
| Acuity | $88.83 | $1,066 |
| USAA | $89.00 | $1,068 |
| Plymouth Rock Insurance | $89.83 | $1,078 |
| Arbella | $93.83 | $1,126 |
| Quincy Mutual | $97.17 | $1,166 |
| Country | $100.92 | $1,211 |
| Allied | $106.92 | $1,283 |
The average annual premium cost to insure a 2011 Ford Fusion Hybrid is $1,128. Erie, Texas Farm Bureau offers the cheapest rates. At $1,171, Allied is the most expensive provider.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $69.08 | $829 |
| Texas Farm Bureau | $70.50 | $846 |
| Vermont Mutual | $72.42 | $869 |
| Tennessee Farmers | $83.25 | $999 |
| Acuity | $84.75 | $1,017 |
| Plymouth Rock Insurance | $87.58 | $1,051 |
| USAA | $89.67 | $1,076 |
| Arbella | $90.92 | $1,091 |
| Quincy Mutual | $94.58 | $1,135 |
| Country | $96.00 | $1,152 |
| Allied | $97.58 | $1,171 |
The auto insurance rates of Ford Fusion Hybrid have varied over the past few years due to inflation, expensive spare parts, and logistical issues. The average car insurance premium for the recent Fusion Hybrid models are as follows:
A 2018 Ford Fusion Hybrid will cost roughly $1,623/year to insure.
A 2017 Ford Fusion Hybrid also costs $1,299/year to insure.
A 2016 Ford Fusion Hybrid insurance premium costs $1,587/year on average.
The Ford Fusion Hybrid has received an overall safety rating of 5 stars from the NHTSA. It positively impacts insurance rates by lowering the risk of severe injuries, medical claims, and repair costs, resulting in cheaper premium rates.
| Model Year | Overall Rating | Frontal Crash | Side Crash | Rollover |
|---|---|---|---|---|
| 2019 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2015 | 5 stars | 5 stars | 5 stars | 4 stars |
| 2013 | 5 stars | 5 stars | 4 stars | 4 stars |
The Fusion Hybrid comes with a range of safety features, which can help reduce the insurance rates when you apply.
Some of the installed features include:
The Ford Fusion Hybrid's strong IIHS crash test ratings in most categories help lower insurance rates by reducing the risk of severe injuries and medical claims. However, marginal ratings for small overlap front crashes and poor headlight performance may slightly increase premiums due to higher accident risks.
| Crash Test Category | IIHS Safety Ratings |
|---|---|
| Moderate Overlap Front Test | Good |
| Side Crash Test | Good |
| Roof Strength Test | Good |
| Head Restraints & Seats | Good |
| Small Overlap Front (Driver) | Marginal |
| Headlights | Poor |
| Front Crash Prevention | Superior |
| LATCH Ease of Use | Acceptable |
Simply download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Ford Fusion Hybrid - all in as little as 60 seconds!
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Not necessarily. The Ford Fusion Hybrid has strong safety ratings and fuel efficiency, which can help keep insurance costs moderate. However, factors like driver history, location, and coverage options also affect premiums.
Insurance rates depend on safety ratings, repair costs, theft rates, location, driving record, and coverage level. Features like poor headlight ratings and marginal crash test results can slightly increase premiums.
Yes, many insurers offer discounts for advanced safety features, including front crash prevention, lane-keeping assist, and adaptive cruise control. Drivers with good records may also qualify for lower rates.
Hybrid vehicles can have slightly higher repair costs, but the Fusion Hybrid’s reliability and safety features help offset this. Many insurers do not charge significantly more for hybrid models compared to their gas-powered counterparts.
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