Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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The average auto insurance rates for a Ford Fusion Energi are $1,182 annually including full coverage. Comprehensive insurance costs around $210, collision costs $340, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,556 or more. Teen drivers cost the most to insure at $4,630 a year or more.
Average premium for full coverage: $1,182
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Fusion Energi trim levels.
Price Range Variability
For a driver in their 40's, Ford Fusion Energi insurance rates go from as cheap as $522 for your basic liability-only policy to a much higher rate of $2,556 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine auto insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, 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.
More Rate Information
The chart below breaks down estimated Ford Fusion Energi insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $697
- Choosing higher $1,000 deductibles can save about $126 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,182
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $240 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,556 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,630 each year
Insurance rates for a Ford Fusion Energi also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $370 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Ford Fusion Energi insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,068 | -$114 | -9.6% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,214 | $32 | 2.7% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,480 | $298 | 25.2% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $878 | -$304 | -25.7% |
| Indiana | $888 | -$294 | -24.9% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $730 | -$452 | -38.2% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,080 | -$102 | -8.6% |
| Pennsylvania | $1,128 | -$54 | -4.6% |
| Rhode Island | $1,574 | $392 | 33.2% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,034 | -$148 | -12.5% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,084 | -$98 | -8.3% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,054 | -$128 | -10.8% |
Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Energi | $270 | $538 | $442 | $1,408 |
| 2019 Ford Fusion Energi | $260 | $500 | $452 | $1,370 |
| 2018 Ford Fusion Energi | $250 | $470 | $456 | $1,334 |
| 2017 Ford Fusion Energi | $240 | $422 | $460 | $1,280 |
| 2016 Ford Fusion Energi | $224 | $388 | $460 | $1,230 |
| 2015 Ford Fusion Energi | $216 | $364 | $464 | $1,202 |
| 2014 Ford Fusion Energi | $210 | $340 | $474 | $1,182 |
| 2013 Ford Fusion Energi | $194 | $316 | $474 | $1,142 |
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 Buy Cheaper Ford Fusion Energi Insurance
Finding cheaper rates on insurance for a Ford Fusion Energi takes avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a condensed summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,370 more every year to insure a Ford Fusion Energi
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $386 each month if they have full coverage
- You may be able to save up to $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $375 each year
- You may be able to save up to $140 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,718 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,310 |
| $500 | $1,182 |
| $1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,277 |
| 100/300 | $1,395 |
| 250/500 | $1,703 |
| 100 CSL | $1,324 |
| 300 CSL | $1,585 |
| 500 CSL | $1,775 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,560 |
| 20 | $4,336 |
| 30 | $2,590 |
| 40 | $2,556 |
| 50 | $2,444 |
| 60 | $2,418 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $485 |
Discounts are estimated and may not be available from every company or in every state.
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