Ford Fusion Energi Insurance Rates

The average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage. Comprehensive costs on average $194 a year, collision insurance costs $316, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,470. Teen drivers cost the most to insure at up to $4,512 a year.

Average premium for full coverage: $1,142

Policy rates by type of insurance:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare rates based on a specific location, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $677
• Drivers who choose higher $1,000 deductibles will pay around $1,026 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,142
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,366
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,470
• Policy cost that insures a teen driver may cost $4,512 a year

View Chart as Image

Car insurance rates for a Ford Fusion Energi also range considerably based on the trim level of your Fusion Energi, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 136% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age

Your home state makes a big difference in Ford Fusion Energi insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $340 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Ford Fusion Energi Insurance

Finding cheaper rates on Ford Fusion Energi insurance not only requires having a good driving record, but also having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a review of the data touched on in this article.

• Drivers who require increased levels of liability coverage will pay about $520 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save as much as $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers age 20 and younger are expensive to insure, costing up to $376 each month if full coverage is purchased