Ford Fusion Energi Insurance Rates

The average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage insurance. Comprehensive insurance costs an estimated $194 each year, collision insurance costs $316, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers 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 broken down by type of insurance:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Fusion Energi models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

More Rate Information

The chart below illustrates average Ford Fusion Energi insurance rates for other coverage scenarios.

• The lowest rate with discounts is $677
• Using higher $1,000 deductibles will save approximately $116 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,142
• Choosing low deductibles for physical damage coverage will cost an extra $224 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,470
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,512 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low 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 at least $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 North Carolina, Wisconsin, and Vermont, or as much as $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $340 annually, whereas increasing liability limits will increase premiums. Switching 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 are probably paying $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can be from 42% to 136% more than average. View High Risk Driver Rates

How to Find the Best Cheap Ford Fusion Energi Insurance

Finding cheaper rates on insurance for a Ford Fusion Energi requires being a safe and courteous driver, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick review of the material that was touched on above.

• Insureds who want higher levels of liability will pay about $520 annually to increase from a 30/60 limit to 250/500 limits
• Teenage drivers are charged the highest rates, possibly costing $376 each month for full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,330 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save around $350 each year