Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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The average auto insurance rates for a Ford Fusion Energi are $1,142 annually for full coverage. Comprehensive costs approximately $194, collision insurance costs $316, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,470. Teenage drivers cost the most to insure at up to $4,512 a year.

Average premium for full coverage: $1,142

Policy rates by type of insurance:

Comprehensive $194
Collision $316
Liability $474

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Fusion Energi trim levels.

Price Range Variability

For the average 40-year-old driver, Ford Fusion Energi insurance rates range from as cheap as $522 for your basic liability-only policy to a much higher rate of $2,470 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,142
High Risk $2,470

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $857
Small Cities $1,199
Large Cities $1,542

The examples above show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, 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 Information

The chart below shows average Ford Fusion Energi insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $677
  • Using higher $1,000 deductibles will save $116 a year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,142
  • Using more expensive low deductibles for physical damage coverage will cost $1,366
  • High-risk insureds who are prone to accidents and violations could pay around $2,470
  • Policy cost with full coverage for a 16-year-old driver with full coverage can cost $4,512 or more

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing Ford Fusion Energi insurance rates range from $677 to $4,512 for full coverage

Auto insurance rates for a Ford Fusion Energi also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can be from 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $340 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Fusion Energi insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

Ford Fusion Energi Insurance Rates by State
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%

View Chart as Image

Ford Fusion Energi insurance rates by U.S. city
Ford Fusion Energi Insurance Rates by Model Year
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 Low Cost Ford Fusion Energi Insurance

Finding cheaper rates on insurance for a Ford Fusion Energi requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a review of the ideas that were touched on in this article.

  • 16 to 18-year-old drivers have the highest car insurance rates, costing up to $376 each month if full coverage is included
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,330 more per year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save up to $350 each year
  • Drivers can save around $130 per year just by shopping early and online

Rates by Driver Age

Ford Fusion Energi Insurance 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

Ford Fusion Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,262
$500 $1,142
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Energi Insurance Rates with Different Liability Limits
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

Ford Fusion Energi Insurance 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.

SR-22 Surcharge $158

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
Rate after discounts $677

Discounts are estimated and may not be available from every company or in every state.

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