Ford Fusion Energi Insurance Rates

The average auto insurance rates for a Ford Fusion Energi are $1,142 annually including full coverage. Comprehensive costs approximately $194 a year, collision insurance costs $316, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,470. Teenage 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 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $677
• Using higher $1,000 deductibles will save $1,026 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,142
• Using low $100 deductibles for physical damage coverage will cost $1,366
• Drivers who are prone to accidents and violations could pay around $2,470
• Policy cost with full coverage for a teen driver can cost $4,512 or more

View Chart as Image

Car insurance rates for a Ford Fusion Energi also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,500 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 anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $340 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Fusion Energi insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Cheap Ford Fusion Energi Insurance

Finding cheaper rates on Ford Fusion Energi insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest the time to shop around at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief summary of the car insurance concepts illustrated above.

• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,330 more per year than a safer driver
• You may be able to save around $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers who purchase an increased level of liability coverage will pay an extra $520 per year to increase from a 30/60 limit to higher 250/500 limits