Ford Fusion Energi Insurance Rates

The average auto insurance rates for a Ford Fusion Energi are $1,142 annually for full coverage. Comprehensive costs an estimated $194 a year, collision costs $316, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,470. Teenage drivers cost the most to insure at $4,512 a year or more.

Average premium for full coverage: $1,142

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows estimated Ford Fusion Energi insurance rates for other coverage scenarios.

• The best discount rate is $677
• Choosing higher $1,000 deductibles can save approximately $1,026 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,142
• Using low $100 deductibles for comp and collision coverage will cost $1,366
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,470 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,512 each year

View Chart as Image

Insurance rates for a Ford Fusion Energi also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers 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 much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 could be paying $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $340 annually, while buying higher liability limits will increase premiums. Going 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 $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

How to Buy the Best Ford Fusion Energi Insurance

Finding cheaper rates on insurance for a Ford Fusion Energi takes being a good driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief recap of the information illustrated above.

• Drivers can save approximately $130 per year simply by quoting early and online
• Drivers age 16 to 20 are expensive to insure, costing up to $376 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,330 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay an extra $520 each year to raise limits from a 30/60 limit to higher 250/500 limits