Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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The average insurance prices for a Ford Fusion Energi are $1,142 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $194 a year, collision insurance costs $316, and liability is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,470 or more. Teen drivers cost the most to insure at up to $4,512 a year.

Average premium for full coverage: $1,142

Policy rates by type of insurance:

Comprehensive $194
Collision $316
Liability $474

Includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Fusion Energi trim levels.

Price Range Variability

For a driver around age 40, Ford Fusion Energi insurance rates range from the cheapest price of $522 for just the minimum 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

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above illustrate why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on price averages.

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

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Additional Rate Analysis

The chart below illustrates average Ford Fusion Energi insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $677
  • Raising to $1,000 deductibles will save $1,026 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,142
  • Choosing low $100 deductibles costs an extra $224 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,470
  • Policy cost to insure a 16-year-old driver can cost $4,512

View Chart as Image

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

Car insurance rates for a Ford Fusion Energi also range considerably based on liability limits and deductibles, your risk profile, and the model of your Fusion Energi.

Choosing high deductibles can reduce rates by up to $340 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 136% more than average. View High Risk Driver Rates

Your home state also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,540 on average in Florida, New York, and Michigan.

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
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 Shop for the Cheapest Ford Fusion Energi Insurance

Finding cheaper rates on insurance for a Ford Fusion Energi consists of being a good driver, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to compare rates at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a recap of the data covered above.

  • Insureds who purchase an increased level of liability coverage will pay about $520 annually to raise from a 30/60 limit to a 250/500 level
  • It is possible to save around $130 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $350 each year
  • Drivers age 16 to 20 pay the highest auto insurance rates, possibly costing $376 each month if the policy includes 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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