Ford C-Max Energi Insurance Rates
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Michelle Robbins
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UPDATED: Jun 7, 2024
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Average insurance prices for a Ford C-Max Energi are $1,220 every 12 months for full coverage. Comprehensive insurance costs approximately $214, collision costs $388, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,650 or more. Teenage drivers receive the highest rates at $4,764 a year or more.
Average premium for full coverage: $1,220
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all C-Max Energi models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $510 for just liability insurance to the much higher price of $2,650 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities.
The example below illustrates how where you live affects auto insurance prices.
These examples show why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.
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 and risk scenarios.
- The best discount rate is $713
- Using higher $1,000 deductibles will save $138 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,220
- Using pricier low deductibles for physical damage coverage costs an extra $266 annually
- High-risk insureds who are prone to accidents and violations could pay around $2,650 or more
- The cost to insure a 16-year-old driver for full coverage can cost $4,764 or more
Car insurance rates for a Ford C-Max Energi can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your C-Max Energi.
Using high physical damage deductibles could cut rates by as much as $410 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Ford C-Max Energi insurance for high-risk drivers can be from 42% to 137% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Ford C-Max Energi insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,740 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 Shop for Cheap Ford C-Max Energi Insurance
Saving money on insurance for a Ford C-Max Energi requires being a good driver, maintaining a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Take the time to comparison shop at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,430 more per year than a safer driver
- Drivers can save around $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $400 each year
- Insureds who purchase an increased level of liability coverage will pay an extra $510 each year to increase from a minimum limit to a 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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