Ford Fusion Energi Insurance Rates

The average insurance prices for a Ford Fusion Energi are $1,142 every 12 months with full coverage. Comprehensive costs around $194 a year, collision insurance costs $316, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,470. Teen drivers cost the most to insure at up to $4,512 a year.

Average premium for full coverage: $1,142

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details average Ford Fusion Energi insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $677
• Choosing higher $1,000 deductibles can save about $1,026 annually
• The average price for a good driver age 40 using $500 deductibles is $1,142
• Choosing low $100 deductibles for comp and collision coverage increases the price to $1,366
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,470
• Policy cost to insure a teen driver can be $4,512 each year

View Chart as Image

Insurance rates for a Ford Fusion Energi also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing high deductibles can save as much as $340 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 136% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Fusion Energi insurance prices. A good driver about age 40 could pay as low as $820 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Ford Fusion Energi Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates at least once a year by getting rate quotes from direct companies, and also from several local insurance agents.

The points below are a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $130 per year just by quoting early and online
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,330 more every year to insure a Ford Fusion Energi
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers under the age of 20 pay higher rates, as much as $376 each month if they have full coverage