Ford Fusion Energi Insurance Rates

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

Average premium for full coverage: $1,142

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, minimum 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

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below details average Ford Fusion Energi insurance rates for other coverage scenarios.

• The lowest rate with discounts is $677
• Using higher $1,000 deductibles will save approximately $1,026 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,142
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,366
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,470
• The price for full coverage for a 16-year-old driver can cost as much as $4,512 or more

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Auto insurance prices for a Ford Fusion Energi are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

The state you live in has a huge impact on Ford Fusion Energi insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

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Choosing high deductibles could cut prices by as much as $340 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 42% to 136% more than average. View High Risk Driver Rates

How to Find Cheap Ford Fusion Energi Insurance

Getting lower rates on insurance for a Ford Fusion Energi requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief summary of the material that was covered above.

• Insureds who want more liability protection will pay about $520 every year to increase from a low limit to 250/500 limits
• Youthful drivers are the costliest to insure, costing up to $376 a month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,330 more annually than a low-risk driver
• Increasing physical damage deductibles can save around $350 each year