Ford Fusion Energi Insurance Rates

U.S. average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage. Comprehensive insurance costs approximately $194 each year, collision insurance costs $316, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,470 or more. Teenage drivers pay the highest rates at up to $4,512 a year.

Average premium for full coverage: $1,142

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Fusion Energi models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $677
• Using higher $1,000 deductibles will save $116 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,142
• Using low deductibles for physical damage coverage will cost an extra $224 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,470
• The price for full coverage for a teenage driver can cost $4,512 or more

View Chart as Image

Car insurance prices for a Ford Fusion Energi are also quite variable based on your driving record, the trim level of your Fusion Energi, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Ford Fusion Energi insurance rates. A driver around age 40 might see prices as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $340 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 136% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Ford Fusion Energi Insurance

Getting lower rates on auto insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a summary of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $376 a month if full coverage is included
• Drivers who have multiple accidents or major violations may pay on average $1,330 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $350 each year
• Drivers can save around $130 per year just by quoting online in advance