Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Estimated auto insurance rates for a Ford Fusion Energi are $1,142 annually for full coverage. Comprehensive costs an estimated $194 each year, collision costs $316, and liability is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy costing around $2,470. 16-year-old drivers pay the most at $4,512 a year or more.

Average premium for full coverage: $1,142

Premium estimates broken down by type of coverage:

Comprehensive $194
Collision $316
Liability $474

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Fusion Energi models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Ford Fusion Energi go from as cheap as $522 for basic liability insurance to a high rate of $2,470 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities.

The graphic below illustrates how geographic area affects insurance prices.

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

These rate differences show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, 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.

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Rate Comparisons

The chart below shows estimated Ford Fusion Energi insurance rates for other coverage scenarios.

  • The best full coverage rate is $677
  • Raising to $1,000 deductibles will save approximately $116 a year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,142
  • Buying low deductibles will cost $1,366
  • At-risk drivers with multiple tickets or accidents could pay up to $2,470 or more
  • An auto insurance policy with full coverage for a teen driver can cost as much as $4,512

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 prices for a Ford Fusion Energi also have a wide range based on the model of your Fusion Energi, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $340 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find prices as low as $750 a year in states like Iowa, Maine, and Idaho, or at least $1,630 on average in New York, Louisiana, 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

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially 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

Finding better rates on car insurance consists of having a good driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a condensed summary of the ideas that were presented in the illustrations above.

  • Drivers age 20 and younger have the highest car insurance prices, as much as $376 per month if comprehensive and collision insurance is included
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,330 more annually to buy Ford Fusion Energi insurance
  • Increasing policy deductibles could save up to $350 each year
  • Drivers can save approximately $130 per year simply by quoting online in advance

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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