Ford Fusion Energi Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive costs an estimated $194, collision insurance costs $316, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,470. 16-year-old drivers cost the most to insure at up to $4,512 a year.
Average premium for full coverage: $1,142
Policy rates broken down by type of insurance:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Fusion Energi models.
Price Range Variability
For a driver in their 40's, Ford Fusion Energi insurance rates range from as cheap as $522 for just liability insurance to the much higher price of $2,470 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities. The example below illustrates how location helps determine insurance prices.
The examples above demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on 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.
More Rate Details
The chart below details average Ford Fusion Energi insurance rates for other coverage scenarios.
- The best full coverage rate is $677
- Drivers who choose higher $1,000 deductibles will pay approximately $116 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,142
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,366
- High risk drivers with multiple tickets or accidents could pay up to $2,470
- Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,512 a year
Car insurance rates for a Ford Fusion Energi also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 may be forking out $1,400 to $1,900 extra every year, depending on your age. Ford Fusion Energi insurance for high-risk drivers can cost anywhere from 42% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $340 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Ford Fusion Energi insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or at least $1,540 on average in New York, Michigan, and Florida.
| 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% |
| 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 the Right Ford Fusion Energi Insurance
Finding cheaper rates on Ford Fusion Energi insurance not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and possibly higher deductibles. Invest time comparing rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a quick rundown of the coverage data covered in the charts and tables above.
- You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Teenage drivers have the highest car insurance rates, as much as $376 each month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions pay on average $1,330 more annually for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,262 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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