Ford Fusion Energi Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average auto insurance rates for a Ford Fusion Energi are $1,142 annually for full coverage insurance. Comprehensive costs around $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. Teens receive the highest rates at $4,512 a year or more.

Average premium for full coverage: $1,142

Rate estimates for individual coverage type:

Comprehensive $194
Collision $316
Liability $474

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Fusion Energi trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $522 for just liability coverage to a high of $2,470 for a driver who has had serious violations or accidents.

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

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance rates.

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

These examples illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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.

By clicking, you agree to our Terms of Use

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $677
  • Choosing higher $1,000 deductibles can save about $1,026 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,142
  • Selecting low $100 deductibles for comp and collision coverage will cost $1,366
  • Higher-risk drivers with serious driving violations could pay at least $2,470 or more
  • The cost with full coverage for a 16-year-old driver can be $4,512 each year

View Chart as Image

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

Car insurance rates for a Ford Fusion Energi can also vary considerably based on the trim level of your Fusion Energi, your risk profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live 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 have to pay at least $1,540 on average in Michigan, New York, and Florida.

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

With so much variability in rates, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer calculates rates differently, so rate quotes can be significantly different between companies.

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 Buy Cheaper Ford Fusion Energi Insurance

Saving money on insurance for a Ford Fusion Energi takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a condensed summary of the ideas that were covered in the charts and tables above.

  • Teens are the costliest to insure, costing up to $376 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,330 more every year for Fusion Energi insurance
  • Increasing deductibles could save up to $350 each year
  • It is possible to save up to $130 per year simply by quoting early and online

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles