Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Estimated insurance prices for a Ford Fusion Energi are $1,142 every 12 months with full coverage. Comprehensive insurance costs approximately $194 a year, collision insurance costs $316, and liability insurance is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs $2,470 or more. Teens pay the most at up to $4,512 a year.

Average premium for full coverage: $1,142

Premium estimates by type of coverage:

Comprehensive $194
Collision $316
Liability $474

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Fusion Energi trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Ford Fusion Energi range from the cheapest price of $522 for just liability insurance to a high of $2,470 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance prices.

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

These rate differences demonstrate why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

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More Rate Details

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

  • The cheapest rate after discounts is $677
  • Raising to $1,000 deductibles will save $1,026 annually
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,142
  • Selecting low $100 deductibles costs an extra $224 a year
  • Higher-risk drivers with serious driving violations could pay around $2,470
  • An auto insurance policy to insure a teen driver can cost $4,512

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

Car insurance prices for a Ford Fusion Energi also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Fusion Energi.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford Fusion Energi insurance rates. A middle-age driver might find prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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
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 Shop for Cheaper Ford Fusion Energi Insurance

Finding better rates on Ford Fusion Energi insurance consists of being a low-risk driver, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct companies, and also from insurance agencies where you live.

The items below are a condensed summary of the ideas that were covered in the charts and tables above.

  • Teen drivers pay the highest auto insurance prices, possibly costing $376 per month if the policy includes full coverage
  • High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,330 more per year to insure their Fusion Energi
  • Increasing policy deductibles could save as much as $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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