Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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

Average premium for full coverage: $1,142

Policy rates for type of insurance:

Comprehensive $194
Collision $316
Liability $474

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

Price Range Variability

For the average 40-year-old driver, Ford Fusion Energi insurance rates go from as low as $522 for just liability insurance to a high of $2,470 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.

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

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

The examples above show why it is important to compare prices for a specific zip code and risk profile, instead of 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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More Rate Details

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

  • The lowest rate with discounts is $677
  • Using higher $1,000 deductibles will save about $1,026 a year
  • The average rate for a good driver age 40 using $500 deductibles is $1,142
  • Choosing low $100 deductibles for physical damage coverage will cost an extra $224 every year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,470 or more
  • Policy cost for full coverage for a teen driver can be $4,512 or more

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing full coverage Ford Fusion Energi insurance prices range from $677 to $4,512

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

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

Your home state has a huge impact on Ford Fusion Energi insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.

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

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 136% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied 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 the Best Cheap Ford Fusion Energi Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a quick review of the data touched on in this article.

  • Policyholders who may need higher levels of liability will pay about $520 each year to increase from a 30/60 limit to 250/500 limits
  • Drivers can save up to $130 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $350 each year
  • Teenage drivers pay higher rates, costing up to $376 each month for full coverage

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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