Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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U.S. average insurance rates for a Ford Fusion Energi are $1,142 a year with full coverage. Comprehensive insurance costs approximately $194 a year, collision insurance costs $316, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers 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:

Comprehensive $194
Collision $316
Liability $474

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Fusion Energi trim levels.

Price Range from Low to High

For an average driver, Ford Fusion Energi insurance prices range from the low end price of $522 for just liability coverage to a high of $2,470 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

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

The ranges above demonstrate why it is important to get quotes using their specific location, instead of using average rates.

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

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Detailed Rate Analysis

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

  • The best discount rate is $677
  • Choosing higher $1,000 deductibles can save $1,026 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,142
  • Using low $100 deductibles for comp and collision coverage will cost an additional $224 every year
  • Unlucky drivers who are prone to accidents and violations could pay around $2,470
  • The price that insures a teen driver can cost $4,512 each year

View Chart as Image

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

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

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Fusion Energi insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,540 on average in New York, Michigan, 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

Using high physical damage deductibles can save as much as $340 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

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 Cheap Ford Fusion Energi Insurance

Getting lower rates on car insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at every other renewal by requesting rates from direct companies, and also from local insurance agencies.

The items below are a brief summary of the concepts that were covered in the above illustrations.

  • Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,330 more per year to insure their Fusion Energi
  • Teen drivers are expensive to insure, costing up to $376 a month if full coverage is included
  • You may be able to save around $130 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $350 each year
  • You may be able to save around $130 per year just 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.

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