Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage. Comprehensive costs on average $194, collision costs $316, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,470. 16-year-old drivers receive the highest rates at $4,512 a year or more.

Average premium for full coverage: $1,142

Rate estimates by individual coverage type:

Comprehensive $194
Collision $316
Liability $474

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Fusion Energi models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $522 for just liability insurance to the much higher price of $2,470 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.

The example below illustrates how where you live affects car insurance rates.

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

These examples show why everyone should compare rates quotes based on a specific location and risk profile, 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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More Rate Details

The chart below shows estimated Ford Fusion Energi insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $677
  • Raising to $1,000 deductibles will save around $116 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,142
  • Buying pricier low deductibles will increase the cost to $1,366
  • At-risk drivers with multiple tickets or accidents could pay upwards of $2,470 or more
  • The cost for full coverage for a teen driver for full coverage may cost $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

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

A more mature driver with a good driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age

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

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

Opting for high physical damage deductibles can reduce rates by up to $340 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. Ford Fusion Energi 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

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.

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 Find the Cheapest Ford Fusion Energi Insurance

Saving money on car insurance consists of being a good driver, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following list is a recap of the concepts that were touched on in the above illustrations.

  • Higher risk drivers that have major violations or accidents will pay on average $1,330 more each year than a safer driver
  • Drivers age 16 to 20 are charged the highest rates, costing as high as $376 per month if they have full coverage
  • Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $350 each year
  • Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date

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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