Ford Fusion Energi Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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U.S. average insurance rates for a Ford Fusion Energi are $1,142 a year with full coverage. Comprehensive insurance costs around $194, collision costs $316, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,470 or more. Teenage drivers pay the highest rates at $4,512 a year or more.
Average premium for full coverage: $1,142
Price estimates for individual coverage:
Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Fusion Energi models.
Price Range from Low to High
Using a 40-year-old driver as an example, Ford Fusion Energi insurance prices go from as low as $522 for a discount liability-only rate to the much higher price of $2,470 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, 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.
Rates by State, City, and Model
The chart below details estimated Ford Fusion Energi insurance rates for additional coverage choices and driver risks.
- The best discount rate is $677
- Raising to $1,000 deductibles will save about $116 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,142
- Using pricier low deductibles will cost an extra $224 annually
- Drivers who are prone to accidents and violations could pay at least $2,470 or more
- The price for full coverage for a 16-year-old driver for full coverage can be $4,512
Auto insurance prices for a Ford Fusion Energi are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age
The state you live in also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find prices as low as $820 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,540 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$110 | -9.6% |
| Alaska | $876 | -$266 | -23.3% |
| Arizona | $948 | -$194 | -17.0% |
| Arkansas | $1,142 | -$0 | 0.0% |
| California | $1,302 | $160 | 14.0% |
| Colorado | $1,090 | -$52 | -4.6% |
| Connecticut | $1,174 | $32 | 2.8% |
| Delaware | $1,292 | $150 | 13.1% |
| Florida | $1,430 | $288 | 25.2% |
| Georgia | $1,052 | -$90 | -7.9% |
| Hawaii | $820 | -$322 | -28.2% |
| Idaho | $772 | -$370 | -32.4% |
| Illinois | $850 | -$292 | -25.6% |
| Indiana | $858 | -$284 | -24.9% |
| Iowa | $770 | -$372 | -32.6% |
| Kansas | $1,088 | -$54 | -4.7% |
| Kentucky | $1,558 | $416 | 36.4% |
| Louisiana | $1,688 | $546 | 47.8% |
| Maine | $704 | -$438 | -38.4% |
| Maryland | $940 | -$202 | -17.7% |
| Massachusetts | $914 | -$228 | -20.0% |
| Michigan | $1,984 | $842 | 73.7% |
| Minnesota | $956 | -$186 | -16.3% |
| Mississippi | $1,368 | $226 | 19.8% |
| Missouri | $1,014 | -$128 | -11.2% |
| Montana | $1,226 | $84 | 7.4% |
| Nebraska | $900 | -$242 | -21.2% |
| Nevada | $1,370 | $228 | 20.0% |
| New Hampshire | $822 | -$320 | -28.0% |
| New Jersey | $1,276 | $134 | 11.7% |
| New Mexico | $1,010 | -$132 | -11.6% |
| New York | $1,204 | $62 | 5.4% |
| North Carolina | $658 | -$484 | -42.4% |
| North Dakota | $936 | -$206 | -18.0% |
| Ohio | $788 | -$354 | -31.0% |
| Oklahoma | $1,174 | $32 | 2.8% |
| Oregon | $1,044 | -$98 | -8.6% |
| Pennsylvania | $1,090 | -$52 | -4.6% |
| Rhode Island | $1,522 | $380 | 33.3% |
| South Carolina | $1,034 | -$108 | -9.5% |
| South Dakota | $964 | -$178 | -15.6% |
| Tennessee | $1,000 | -$142 | -12.4% |
| Texas | $1,376 | $234 | 20.5% |
| Utah | $846 | -$296 | -25.9% |
| Vermont | $784 | -$358 | -31.3% |
| Virginia | $682 | -$460 | -40.3% |
| Washington | $884 | -$258 | -22.6% |
| West Virginia | $1,044 | -$98 | -8.6% |
| Wisconsin | $790 | -$352 | -30.8% |
| Wyoming | $1,018 | -$124 | -10.9% |
Using high physical damage deductibles can reduce prices by up to $340 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,400 to $1,900 in extra premium each year, depending on your age. Ford Fusion Energi insurance for high-risk drivers is expensive and can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Energi | $260 | $500 | $452 | $1,370 |
| 2019 Ford Fusion Energi | $250 | $470 | $456 | $1,334 |
| 2018 Ford Fusion Energi | $240 | $422 | $460 | $1,280 |
| 2017 Ford Fusion Energi | $224 | $388 | $460 | $1,230 |
| 2016 Ford Fusion Energi | $216 | $364 | $464 | $1,202 |
| 2015 Ford Fusion Energi | $210 | $340 | $474 | $1,182 |
| 2014 Ford Fusion Energi | $194 | $316 | $474 | $1,142 |
| 2013 Ford Fusion Energi | $190 | $286 | $478 | $1,112 |
Rates are averaged for all Ford Fusion 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 the Right Ford Fusion Energi Insurance
Getting lower rates on insurance for a Ford Fusion Energi consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below is a quick rundown of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,330 more every year for auto insurance
- Teenage drivers are expensive to insure, costing up to $376 a month if they have full coverage
- You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $350 each year
- You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,512 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,142 |
| 50 | $1,048 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,262 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,142 |
| 50/100 | $1,237 |
| 100/300 | $1,355 |
| 250/500 | $1,663 |
| 100 CSL | $1,284 |
| 300 CSL | $1,545 |
| 500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,386 |
| 20 | $4,196 |
| 30 | $2,502 |
| 40 | $2,470 |
| 50 | $2,362 |
| 60 | $2,338 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $465 |
Discounts are estimated and may not be available from every company or in every state.
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