Ford C-Max Energi Insurance Rates
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UPDATED: Jun 7, 2024
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Average insurance rates for a Ford C-Max Energi are $1,270 a year for full coverage. Comprehensive insurance costs around $230, collision costs $422, and liability coverage is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,756 or more. 16-year-old drivers receive the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,270
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different C-Max Energi trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $510 for just liability insurance to a much higher rate of $2,756 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.
The price range example below illustrates how where you live affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using 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.
More Rate Details
The chart below shows estimated Ford C-Max Energi insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $739
- Raising to $1,000 deductibles will save about $150 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,270
- Buying more expensive low deductibles will cost an extra $286 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,756 or more
- The cost for full coverage for a teenage driver with full coverage can be $4,918
Auto insurance rates for a Ford C-Max Energi can also vary considerably based on your driver profile, the trim level of your C-Max Energi, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age
Where you live also has a big influence on Ford C-Max Energi insurance rates. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,810 on average in Michigan, Louisiana, 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 can reduce rates by up to $440 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different 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 More Affordable Ford C-Max Energi Insurance
Saving money on auto insurance consists of being a low-risk driver, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The items below are a summary of the data that was touched on in the above illustrations.
- Drivers can save up to $150 per year simply by shopping early and online
- Consumers who may need more liability coverage will pay around $510 each year to raise from a minimum limit to 250/500 limits
- Teen drivers are expensive to insure, costing as high as $410 per month if they have full coverage
- Drivers who have multiple accidents or major violations may be required to pay an average of $1,490 more every year to insure their C-Max Energi
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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