Ford Fusion Energi Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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U.S. average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage insurance. Comprehensive costs on average $194 a year, collision costs $316, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,470. 16-year-old drivers pay the highest rates at $4,512 a year or more.
Average premium for full coverage: $1,142
Price estimates by individual coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Fusion Energi trim levels.
Price Range from Low to High
For the average 40-year-old driver, Ford Fusion Energi insurance prices go from the low end price of $522 for just the minimum liability insurance to a high of $2,470 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why it is important to get quotes based on a specific location, instead of using 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.
Additional Rate Analysis
The chart below illustrates estimated Ford Fusion Energi insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $677
- Choosing higher $1,000 deductibles can save around $1,026 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,142
- Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,366
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,470 or more
- The price that insures a teen driver may cost $4,512 each year
Auto insurance prices for a Ford Fusion Energi are also quite variable based on the trim level of your Fusion Energi, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 136% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Ford Fusion Energi insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,540 on average in Michigan, New York, 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% |
Opting for high physical damage deductibles can save as much as $340 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.
| 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 Right Ford Fusion Energi Insurance
Getting lower rates on car insurance takes being a good driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following list is a quick rundown of the information touched on in this article.
- It is possible to save as much as $130 per year simply by quoting early and online
- Drivers age 16 to 20 are charged the highest prices, as much as $376 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $350 each year
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,330 more each year than a safer driver
- Policyholders who require an increased level of liability coverage will pay around $520 annually to raise limits from a low limit to the 250/500 level
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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