Ford Fusion Energi Insurance Rates

The average auto insurance rates for a Ford Fusion Energi are $1,142 annually with full coverage. Comprehensive insurance costs on average $194 a year, collision costs $316, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,470 or more. Teenage 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:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

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

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

Rates by State, City, and Model

The chart below details estimated Ford Fusion Energi insurance rates for different risk profiles and scenarios.

• The best discount rate is $677
• Drivers who choose higher $1,000 deductibles will pay around $1,026 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,142
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $224 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,470 or more
• Policy cost with full coverage for a teenage driver may cost $4,512 a year

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 record, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards 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 may be forking out at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $340 a year, while buying higher liability limits will cost you more. Moving 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 makes a big difference in Ford Fusion Energi insurance rates. A 40-year-old driver could pay as low as $820 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

How to Buy More Affordable Ford Fusion Energi Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a summary of the information raised in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting early and online
• Teenage drivers are expensive to insure, as much as $376 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers who have multiple accidents or major violations pay an average of $1,330 more each year for auto insurance
• Consumers who require higher levels of liability will pay an extra $520 every year to go from a 30/60 limit to higher 250/500 limits