Ford Fusion Energi Insurance Rates

The average insurance rates for a Ford Fusion Energi are $1,142 a year including full coverage. Comprehensive insurance costs approximately $194, collision costs $316, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,470 or more. Teenage drivers 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:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist 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

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $677
• Choosing higher $1,000 deductibles can save $116 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,142
• Using more expensive low deductibles for comp and collision coverage will cost an additional $224 each year
• Drivers who are prone to accidents and violations could pay around $2,470 or more
• Policy cost that insures a teenage driver with full coverage can cost $4,512 each year

View Chart as Image

Car 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 extra every year, depending on your age. High-risk driver insurance ranges around 42% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Fusion Energi insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $340 a 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 extra every 12 months. 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 and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

How to Find the Best Ford Fusion Energi Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare prices at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a brief recap of the car insurance concepts covered in the charts and tables above.

• Drivers who tend to receive serious 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
• Consumers who purchase higher levels of liability will pay an extra $520 per year to raise limits from a 30/60 limit to the 250/500 level