Ford C-Max Energi Insurance Rates
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UPDATED: Jun 7, 2024
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The average insurance rates for a Ford C-Max Energi are $1,270 a year with full coverage. Comprehensive insurance costs around $230, collision costs $422, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,756 or more. 16-year-old drivers cost the most to insure at $4,918 a year or more.
Average premium for full coverage: $1,270
Policy rates for type of insurance:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all C-Max Energi models.
Price Range Variability
For a 40-year-old driver, Ford C-Max Energi insurance rates go from as low as $510 for just liability coverage to the much higher price of $2,756 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.
The example below illustrates how your location can change auto insurance rates.
The examples above demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on rate averages.
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.
Detailed Rate Analysis
The chart below details estimated Ford C-Max Energi insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $739
- Using higher $1,000 deductibles will save about $150 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,270
- Buying pricier low deductibles for physical damage coverage will cost an extra $286 a year
- Drivers with multiple tickets or accidents could pay at least $2,756 or more
- Policy cost for full coverage for a teen driver for full coverage can be $4,918 or more
Car insurance rates for a Ford C-Max Energi also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age
Your home state has a huge impact on Ford C-Max Energi insurance rates. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$122 | -9.6% |
| Alaska | $974 | -$296 | -23.3% |
| Arizona | $1,054 | -$216 | -17.0% |
| Arkansas | $1,270 | -$0 | 0.0% |
| California | $1,446 | $176 | 13.9% |
| Colorado | $1,214 | -$56 | -4.4% |
| Connecticut | $1,306 | $36 | 2.8% |
| Delaware | $1,436 | $166 | 13.1% |
| Florida | $1,586 | $316 | 24.9% |
| Georgia | $1,172 | -$98 | -7.7% |
| Hawaii | $910 | -$360 | -28.3% |
| Idaho | $860 | -$410 | -32.3% |
| Illinois | $944 | -$326 | -25.7% |
| Indiana | $954 | -$316 | -24.9% |
| Iowa | $854 | -$416 | -32.8% |
| Kansas | $1,206 | -$64 | -5.0% |
| Kentucky | $1,732 | $462 | 36.4% |
| Louisiana | $1,878 | $608 | 47.9% |
| Maine | $784 | -$486 | -38.3% |
| Maryland | $1,048 | -$222 | -17.5% |
| Massachusetts | $1,016 | -$254 | -20.0% |
| Michigan | $2,204 | $934 | 73.5% |
| Minnesota | $1,062 | -$208 | -16.4% |
| Mississippi | $1,520 | $250 | 19.7% |
| Missouri | $1,126 | -$144 | -11.3% |
| Montana | $1,364 | $94 | 7.4% |
| Nebraska | $1,000 | -$270 | -21.3% |
| Nevada | $1,524 | $254 | 20.0% |
| New Hampshire | $916 | -$354 | -27.9% |
| New Jersey | $1,420 | $150 | 11.8% |
| New Mexico | $1,126 | -$144 | -11.3% |
| New York | $1,338 | $68 | 5.4% |
| North Carolina | $730 | -$540 | -42.5% |
| North Dakota | $1,040 | -$230 | -18.1% |
| Ohio | $876 | -$394 | -31.0% |
| Oklahoma | $1,304 | $34 | 2.7% |
| Oregon | $1,162 | -$108 | -8.5% |
| Pennsylvania | $1,210 | -$60 | -4.7% |
| Rhode Island | $1,694 | $424 | 33.4% |
| South Carolina | $1,150 | -$120 | -9.4% |
| South Dakota | $1,072 | -$198 | -15.6% |
| Tennessee | $1,110 | -$160 | -12.6% |
| Texas | $1,530 | $260 | 20.5% |
| Utah | $940 | -$330 | -26.0% |
| Vermont | $868 | -$402 | -31.7% |
| Virginia | $760 | -$510 | -40.2% |
| Washington | $984 | -$286 | -22.5% |
| West Virginia | $1,162 | -$108 | -8.5% |
| Wisconsin | $878 | -$392 | -30.9% |
| Wyoming | $1,132 | -$138 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $440 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. Ford C-Max Energi insurance for high-risk drivers can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford C-Max Energi | $230 | $422 | $460 | $1,270 |
| 2016 Ford C-Max Energi | $214 | $388 | $460 | $1,220 |
Rates are averaged for all Ford C-Max Energi models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Ford C-Max Energi Insurance
Finding cheaper rates on Ford C-Max Energi insurance requires being a low-risk driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a condensed summary of the data illustrated above.
- Drivers who may need more liability coverage will pay around $510 every year to increase from a 30/60 limit to 250/500 limits
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $425 each year
- Teen drivers are the costliest to insure, as much as $410 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,918 |
| 20 | $2,942 |
| 30 | $1,310 |
| 40 | $1,270 |
| 50 | $1,162 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,422 |
| $500 | $1,270 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,362 |
| 100/300 | $1,477 |
| 250/500 | $1,776 |
| 100 CSL | $1,408 |
| 300 CSL | $1,661 |
| 500 CSL | $1,845 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $4,692 |
| 30 | $2,804 |
| 40 | $2,756 |
| 50 | $2,636 |
| 60 | $2,614 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $531 |
Discounts are estimated and may not be available from every company or in every state.
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