Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Average insurance rates for a Ford Fusion Energi are $1,142 a year with full coverage. Comprehensive costs an estimated $194 a year, collision costs $316, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,470. Teen drivers receive the highest rates at $4,512 a year or more.

Average premium for full coverage: $1,142

Rate estimates broken down by individual coverage type:

Comprehensive $194
Collision $316
Liability $474

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Fusion Energi trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $522 for just the minimum liability insurance to a high of $2,470 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the difference location can make on insurance prices.

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

These examples demonstrate why it is important to compare rates quotes for a targeted area and risk profile, rather than using price 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.

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Additional Rate Analysis

The chart below details estimated Ford Fusion Energi insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $677
  • Raising to $1,000 deductibles will save approximately $1,026 annually
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,142
  • Choosing low $100 deductibles will increase the cost to $1,366
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,470 or more
  • The cost for full coverage for a teenage driver can cost as much as $4,512

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

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

Older drivers with a good driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

Where you live also has a big influence on Ford Fusion Energi insurance rates. A middle-age driver might find rates as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

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

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

If you like to drive fast or tend to cause accidents, you may be forking out $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

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 Find Affordable Ford Fusion Energi Insurance

Saving money on auto insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at every other renewal by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

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

  • Drivers with DUI or reckless driving convictions may pay on average $1,330 more annually than a driver with a clean driving record
  • 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $376 per month if they have full coverage
  • You may be able to save approximately $130 per year simply by quoting early and online
  • Increasing deductibles can save around $350 each year
  • You may be able to save approximately $130 per year simply by quoting 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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