Ford Fusion Energi Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 26, 2024
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Average auto insurance rates for a Ford Fusion Energi are $1,142 annually including full coverage. Comprehensive costs around $194 each year, collision costs $316, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,470. Teens receive the highest rates at $4,512 a year or more.
Average premium for full coverage: $1,142
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Fusion Energi models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $522 for just liability insurance to a high rate of $2,470 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
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 breaks down estimated Ford Fusion Energi insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $677
- Drivers who choose higher $1,000 deductibles will pay about $116 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,142
- Selecting low deductibles for comprehensive and collision insurance will cost $1,366
- High risk drivers with serious driving violations could pay at least $2,470 or more
- The cost with full coverage for a teen driver can be $4,512 a year
Insurance rates for a Ford Fusion Energi can also vary considerably based on the trim level of your Fusion Energi, your driving characteristics, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Ford Fusion Energi insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,630 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different between companies.
| 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 Buy the Right Ford Fusion Energi Insurance
Saving money on Ford Fusion Energi insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a quick rundown of the car insurance concepts touched on in this article.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,330 more every year than a driver with a clean driving record
- You may be able to save up to $130 per year simply by quoting online in advance
- Increasing deductibles could save up to $350 each year
- Drivers who may need additional liability coverage will pay approximately $520 per year to go from a minimum limit to higher 250/500 limits
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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