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 $1,220 a year for full coverage insurance. Comprehensive costs approximately $214 a year, collision insurance costs $388, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,650. Teen drivers cost the most to insure at up to $4,764 a year.
Average premium for full coverage: $1,220
Policy rates by type of insurance:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and C-Max Energi trim levels.
Price Range Variability
For the average 40-year-old driver, Ford C-Max Energi insurance rates range from the low end price of $510 for just liability insurance to a high of $2,650 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.
The examples above illustrate why it is important to compare prices using their specific location, instead of making a decision based on price 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.
More Rate Details
The chart below illustrates average Ford C-Max Energi insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $713
- Using higher $1,000 deductibles will save $1,082 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,220
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,486
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,650
- Policy cost that insures a 16-year-old driver can cost $4,764 or more
Insurance rates for a Ford C-Max Energi also range considerably based on the trim level of your C-Max Energi, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 137% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age
Your home state has a huge impact on Ford C-Max Energi insurance prices. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,650 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,014 | -$206 | -16.9% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,390 | $170 | 13.9% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,380 | $160 | 13.1% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $826 | -$394 | -32.3% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $978 | -$242 | -19.8% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $962 | -$258 | -21.1% |
| Nevada | $1,464 | $244 | 20.0% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,366 | $146 | 12.0% |
| New Mexico | $1,082 | -$138 | -11.3% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $704 | -$516 | -42.3% |
| North Dakota | $1,000 | -$220 | -18.0% |
| Ohio | $844 | -$376 | -30.8% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,118 | -$102 | -8.4% |
| Pennsylvania | $1,164 | -$56 | -4.6% |
| Rhode Island | $1,630 | $410 | 33.6% |
| South Carolina | $1,106 | -$114 | -9.3% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,070 | -$150 | -12.3% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $902 | -$318 | -26.1% |
| Vermont | $834 | -$386 | -31.6% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $946 | -$274 | -22.5% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
Choosing high deductibles could cut rates by as much as $410 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford C-Max Energi | $214 | $388 | $460 | $1,220 |
| 2016 Ford C-Max Energi | $206 | $364 | $464 | $1,192 |
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 Cheap Ford C-Max Energi Insurance
Finding cheaper rates on insurance for a Ford C-Max Energi requires being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Shop around at least every other year by requesting rates from direct insurance companies, and also from your local car insurance providers.
The following list is a brief summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,430 more per year than a safer driver
- It is possible to save around $140 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- Insureds who purchase an increased level of liability coverage will pay about $510 annually to increase from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,764 |
| 20 | $2,828 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,118 |
| 60 | $1,096 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,312 |
| 100/300 | $1,427 |
| 250/500 | $1,726 |
| 100 CSL | $1,358 |
| 300 CSL | $1,611 |
| 500 CSL | $1,795 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,758 |
| 20 | $4,508 |
| 30 | $2,692 |
| 40 | $2,650 |
| 50 | $2,534 |
| 60 | $2,512 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $507 |
Discounts are estimated and may not be available from every company or in every state.
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