Ford Fusion Energi Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 26, 2024
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Average insurance rates for a Ford Fusion Energi are $1,142 a year with full coverage. Comprehensive costs an estimated $194 a year, collision costs $316, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,470. Teen drivers receive the highest rates at $4,512 a year or more.
Average premium for full coverage: $1,142
Rate estimates broken down by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Fusion Energi trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $522 for just the minimum liability insurance to a high of $2,470 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
These examples demonstrate why it is important to compare rates quotes for a targeted area and risk profile, rather than using 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 details estimated Ford Fusion Energi insurance rates for other coverage scenarios.
- The lowest rate with discounts is $677
- Raising to $1,000 deductibles will save approximately $1,026 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,142
- Choosing low $100 deductibles will increase the cost to $1,366
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,470 or more
- The cost for full coverage for a teenage driver can cost as much as $4,512
Auto insurance rates for a Ford Fusion Energi can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age
Where you live also has a big influence on Ford Fusion Energi insurance rates. A middle-age driver might find rates as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.
| 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 can reduce rates by up to $340 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 136% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different 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 Affordable Ford Fusion Energi Insurance
Saving money on auto insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at every other renewal by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a brief review of the concepts that were touched on in this article.
- Drivers with DUI or reckless driving convictions may pay on average $1,330 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $376 per month if they have full coverage
- You may be able to save approximately $130 per year simply by quoting early and online
- Increasing deductibles can save around $350 each year
- You may be able to save approximately $130 per year simply by quoting early and online
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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