1. Vehicles
  2. Ford
  3. Fusion Energi
  4. 2015 Model Year

2015 Ford Fusion Energi Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2015 Ford Fusion Energi are $1,370 a year with full coverage. Comprehensive insurance costs an estimated $260 each year, collision insurance costs $500, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, and high-risk insurance costs $2,978 or more. Teenage drivers receive the highest rates at up to $5,226 a year.

Annual premium for full coverage: $1,370

Rate estimates for 2015 Ford Fusion Energi Insurance

Comprehensive $260
Collision $500
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 Ford Fusion Energi models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $504 for just liability insurance to a high rate of $2,978 for high-risk insurance.

Liability Only $504
Full Coverage $1,370
High Risk $2,978

View Chart as Image

2015 Ford Fusion Energi insurance rates compared
Column chart showing 2015 Ford Fusion Energi insurance prices range from $787 to $5,226 for full coverage

These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2015 Ford Fusion Energi Insurance

Searching Companies

Nobody I know likes having to buy insurance coverage, in particular when the price is too high.

Big companies like Progressive, GEICO and Farmers Insurance continually hit you with ad campaigns and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

Fast and Easy Insurance Quotes

The are a couple different ways to get quotes from insurance companies in your area. The easiest way to find the lowest 2015 Ford Fusion Energi rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  • The most efficient way consumers can analyze rates is a comparison rater form click to view form in new window. This method keeps you from doing separate quotation requests for every insurance company. Filling out one form will return price quotes from all major companies.
  • A more difficult way to find lower rates is to take the time to go to the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you want to compare Liberty Mutual, Progressive and Allstate. You would have to take the time to go to each site and enter your information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage information on every quote you get. If you use different values for each quote it will be very difficult to determine the lowest rate for your Ford Fusion Energi. Quoting even small variations in coverages could mean much higher rates. And when comparison shopping, comparing more company’s prices provides better odds of finding lower pricing.

Cut your premium with discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but a few need to be specially asked for before they will apply.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could be rewarded with discounted rates on garaged vehicles.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Fusion Energi insurance with select insurance companies.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Fusion Energi insurance than drivers with accident claims.
  • Paperwork-free – Certain companies will give a small break just for signing your application on their website.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

For a list of insurance companies with discount car insurance rates, click here to view.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What is the best insurance coverage?

When buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • Why do I need rental car insurance?
  • What is medical payments coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Are rock chip repairs covered?
  • If I drive on a suspended license am I covered?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How can I find cheaper teen driver insurance?
  • Am I covered when pulling a rental trailer?
  • Is pleasure use cheaper than using my 2015 Ford Fusion Energi to commute?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Ford Fusion Energi insurance rates have many determining factors

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • Older drivers pay less – Youthful drivers have a tendency to get distracted easily behind the wheel so they pay higher insurance coverage rates. Adding a teen driver to your insurance coverage policy can really hurt. Older drivers are more responsible, tend to cause fewer accidents and get fewer tickets.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more money you have to pay, the less your insurance coverage will be for Fusion Energi insurance.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men cause accidents at a similar rate, but the men have costlier accidents. Men also statistically have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • Do you need those extra coverages? – There are many extra bells and whistles that you can get tricked into buying when buying insurance coverage. Insurance for rental car reimbursement, accidental death and membership fees may be costing you every month. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Too many insurance coverage claims drive up costs – Auto insurance companies give discounts to insureds who are claim-free. If you file claims often, you can expect higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Discounts for married couples – Having a wife or husband actually saves money on your insurance coverage policy. It means you’re more mature it has been statistically shown that drivers who are married are more cautious.

Coverages available on your policy

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Coverage for collisions

This pays for damage to your Fusion Energi caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive car insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, pain medications, nursing services and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, funeral expenses and structural damage. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford Fusion Energi.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Power to the consumer

In this article, we presented many tips how you can reduce 2015 Ford Fusion Energi insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

Cheaper insurance can be bought from both online companies as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

For more information, take a look at the following helpful articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Ford Fusion Energi Insurance Rates by City
City Premium
New York City, NY $2,163
Los Angeles, CA $2,337
Philadelphia, PA $1,828
Jacksonville, FL $1,986
Phoenix, AZ $1,590
Chicago, IL $1,836
Houston, TX $2,148
Seattle, WA $1,333
Columbus, OH $1,145
Indianapolis, IN $1,164

Rates by Driver Age

2015 Ford Fusion Energi Insurance Rates by Driver Age
Driver Age Premium
16 $5,226
20 $3,180
30 $1,420
40 $1,370
50 $1,252
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

2015 Ford Fusion Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Energi Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,460
100/300 $1,573
250/500 $1,867
100 CSL $1,506
300 CSL $1,754
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Ford Fusion Energi Insurance Rates for High Risk Drivers
Age Premium
16 $7,448
20 $5,068
30 $3,034
40 $2,978
50 $2,846
60 $2,822

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 $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $97
Total Discounts $583
Rate after discounts $787

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

Find companies with the cheapest rates in your area

2015 Ford Fusion Energi Insurance Rates by State
State Premium
Alabama $1,238
Alaska $1,050
Arizona $1,136
Arkansas $1,370
California $1,558
Colorado $1,306
Connecticut $1,408
Delaware $1,548
Florida $1,712
Georgia $1,264
Hawaii $982
Idaho $926
Illinois $1,020
Indiana $1,030
Iowa $924
Kansas $1,300
Kentucky $1,866
Louisiana $2,026
Maine $844
Maryland $1,128
Massachusetts $1,094
Michigan $2,378
Minnesota $1,146
Mississippi $1,640
Missouri $1,214
Montana $1,470
Nebraska $1,080
Nevada $1,642
New Hampshire $988
New Jersey $1,530
New Mexico $1,212
New York $1,442
North Carolina $790
North Dakota $1,120
Ohio $946
Oklahoma $1,404
Oregon $1,254
Pennsylvania $1,306
Rhode Island $1,826
South Carolina $1,240
South Dakota $1,156
Tennessee $1,198
Texas $1,652
Utah $1,014
Vermont $938
Virginia $820
Washington $1,058
West Virginia $1,254
Wisconsin $948
Wyoming $1,220

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles