Ford Fusion Energi Insurance Rates

The average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage insurance. Comprehensive costs approximately $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. 16-year-old 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:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $677
• Using higher $1,000 deductibles will save $1,026 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,142
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,366
• Drivers with multiple tickets or accidents could pay around $2,470
• Policy cost that insures a teen driver can cost $4,512 or more

View Chart as Image

Insurance rates for a Ford Fusion Energi also range considerably based on the trim level of your Fusion Energi, your age and driving record, and physical damage deductibles and liability limits.

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state has a huge impact on Ford Fusion Energi insurance prices. A driver around age 40 might see rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $340 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Ford Fusion Energi Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop at every policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.

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

• Policyholders who purchase increased levels of liability coverage will pay around $520 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save around $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 the costliest to insure, possibly costing $376 each month if comprehensive and collision insurance is included