Ford Fusion Energi Insurance Rates

The average insurance rates for a Ford Fusion Energi are $1,142 a year including full coverage. Comprehensive costs approximately $194, collision costs $316, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,470. Teens cost the most to insure at $4,512 a year or more.

Average premium for full coverage: $1,142

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Ford Fusion Energi insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $677
• Drivers who choose higher $1,000 deductibles will pay $116 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,142
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,366
• High risk drivers with serious driving violations could pay around $2,470 or more
• Policy cost that insures a teen driver with full coverage can cost $4,512 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $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 $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every company calculates rates differently, and rates will be varied.

How to Find More Affordable 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, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at least every other year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a summary of the car insurance concepts covered above.

• High-risk drivers who have multiple accidents or major violations will likely pay on average $1,330 more per year for auto insurance
• You may be able to save around $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers who purchase higher levels of liability will pay approximately $520 per year to go from a 30/60 limit to the 250/500 level