Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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The average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage. Comprehensive costs approximately $194 a year, collision costs $316, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,470. Teen drivers cost the most to insure at $4,512 a year or more.
Average premium for full coverage: $1,142
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Fusion Energi trim levels.
Price Range Variability
For a driver in their 40's, Ford Fusion Energi insurance rates go from as low as $522 for just the minimum liability insurance to a high of $2,470 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance prices.
The examples above show why it is important to compare rates using their specific location and risk profile, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows estimated Ford Fusion Energi insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $677
- Drivers who choose higher $1,000 deductibles will pay $1,026 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,142
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,366
- Drivers with multiple violations and an at-fault accident could pay around $2,470 or more
- Policy cost for full coverage for a 16-year-old driver can cost $4,512 a year
Insurance rates for a Ford Fusion Energi also range considerably based on your risk profile, the trim level of your Fusion Energi, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age
Your home state makes a big difference in Ford Fusion Energi insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,630 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles could save up to $340 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 136% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every company uses a different rate calculation, so the rates will be varied from one company to the next.
| 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 the Best Ford Fusion Energi Insurance
Finding cheaper rates on insurance for a Ford Fusion Energi not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the data that was covered in the charts and tables above.
- Drivers can save around $130 per year simply by quoting early and online
- Insureds who purchase more liability protection will pay about $520 each year to go from a 30/60 limit to 250/500 limits
- Youthful drivers are expensive to insure, costing up to $376 each month for full coverage
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,330 more per year than a low-risk driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,262 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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