Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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U.S. average insurance rates for a Ford Fusion Energi are $1,182 a year with full coverage. Comprehensive costs on average $210 a year, collision costs $340, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,556. 16-year-old drivers pay the highest rates at $4,630 a year or more.
Average premium for full coverage: $1,182
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Fusion Energi trim levels.
Price Range from Low to High
For a driver in their 40's, Ford Fusion Energi insurance prices go from as low as $522 for a discount liability-only rate to a high of $2,556 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities.
The diagram below illustrates how location helps determine car insurance rates.
The ranges above demonstrate why it is important to compare prices based on a specific location and risk profile, instead of 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.
Rates by State, City, and Model
The chart below details estimated Ford Fusion Energi insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $697
- Using higher $1,000 deductibles will save around $1,056 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,182
- Buying low $100 deductibles for physical damage coverage will increase the cost to $1,422
- Drivers with multiple tickets or accidents could pay upwards of $2,556 or more
- The price for full coverage for a teen driver may cost $4,630 or more
Car insurance prices for a Ford Fusion Energi are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age
The state you live in has a huge impact on Ford Fusion Energi insurance prices. A driver around age 40 might see prices as low as $850 a year in states like New Hampshire, Ohio, and Utah, or at least $1,600 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,068 | -$114 | -9.6% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,214 | $32 | 2.7% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,480 | $298 | 25.2% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $878 | -$304 | -25.7% |
| Indiana | $888 | -$294 | -24.9% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $730 | -$452 | -38.2% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,080 | -$102 | -8.6% |
| Pennsylvania | $1,128 | -$54 | -4.6% |
| Rhode Island | $1,574 | $392 | 33.2% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,034 | -$148 | -12.5% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,084 | -$98 | -8.3% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,054 | -$128 | -10.8% |
Opting for high physical damage deductibles could cut prices by as much as $370 every year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Energi | $270 | $538 | $442 | $1,408 |
| 2019 Ford Fusion Energi | $260 | $500 | $452 | $1,370 |
| 2018 Ford Fusion Energi | $250 | $470 | $456 | $1,334 |
| 2017 Ford Fusion Energi | $240 | $422 | $460 | $1,280 |
| 2016 Ford Fusion Energi | $224 | $388 | $460 | $1,230 |
| 2015 Ford Fusion Energi | $216 | $364 | $464 | $1,202 |
| 2014 Ford Fusion Energi | $210 | $340 | $474 | $1,182 |
| 2013 Ford Fusion Energi | $194 | $316 | $474 | $1,142 |
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 Best Ford Fusion Energi Insurance
Getting lower rates on car insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates once a year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
The following list is a brief recap of the data that was covered in the charts and tables above.
- You may be able to save as much as $140 per year simply by quoting early and online
- Policyholders who require an increased level of liability coverage will pay around $520 every year to increase from a low limit to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, costing up to $386 a month if full coverage is included
- Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,370 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,718 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,310 |
| $500 | $1,182 |
| $1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,277 |
| 100/300 | $1,395 |
| 250/500 | $1,703 |
| 100 CSL | $1,324 |
| 300 CSL | $1,585 |
| 500 CSL | $1,775 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,560 |
| 20 | $4,336 |
| 30 | $2,590 |
| 40 | $2,556 |
| 50 | $2,444 |
| 60 | $2,418 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $485 |
Discounts are estimated and may not be available from every company or in every state.
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