Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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U.S. average auto insurance rates for a Ford Fusion Energi are $1,142 annually for full coverage. Comprehensive costs on average $194, collision costs $316, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,470. Teens pay the highest rates at $4,512 a year or more.

Average premium for full coverage: $1,142

Price estimates by individual coverage:

Comprehensive $194
Collision $316
Liability $474

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Fusion Energi models.

Price Range from Low to High

For the average driver, Ford Fusion Energi insurance prices go from as cheap as $522 for basic liability insurance to the much higher price of $2,470 for a policy for a high-risk driver.

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

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

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

The ranges above show why everyone should get quotes based on a specific location and their own personal driving habits, instead of using 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.

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Rate Comparisons

The chart below shows estimated Ford Fusion Energi insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $677
  • Choosing higher $1,000 deductibles can save around $116 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,142
  • Selecting pricier low deductibles for comp and collision coverage will cost $1,366
  • Unlucky drivers with serious driving violations could pay upwards of $2,470 or more
  • The price with full coverage for a teen driver for full coverage may cost $4,512 each year

View Chart as Image

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

Insurance prices for a Ford Fusion Energi are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 additional each year, depending on your age. Ford Fusion Energi insurance for high-risk drivers ranges as much as 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Ford Fusion Energi insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,630 on average in Michigan, Louisiana, and New York.

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

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices may be quite different between companies.

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

Getting lower rates on car insurance takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a review of the coverage data touched on above.

  • Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $350 each year
  • Teen drivers pay higher prices, with premiums as much as $376 a month if they have full coverage
  • Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,330 more each year to insure their Fusion Energi

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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