Ford Fusion Energi Insurance Rates

The average insurance rates for a Ford Fusion Energi are $1,142 a year with full coverage. Comprehensive costs around $194, collision insurance costs $316, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,470. Teenage 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:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Fusion Energi models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $677
• Drivers who choose higher $1,000 deductibles will pay about $116 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,142
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,366
• High-risk insureds who are prone to accidents and violations could pay at least $2,470
• Policy cost for full coverage for a teenage driver for full coverage can be $4,512 a year

View Chart as Image

Insurance rates for a Ford Fusion Energi also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $340 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,400 to $1,900 additional every year, depending on your age. Ford Fusion Energi insurance for high-risk drivers can cost around 42% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Ford Fusion Energi Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the ideas that were touched on in this article.

• Drivers age 16 to 20 are charged the highest rates, as much as $376 each month including comprehensive and collision insurance
• Drivers that have major violations or accidents pay an average of $1,330 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save around $350 each year
• You may be able to save up to $130 per year just by quoting online well ahead of the renewal date