Ford Fusion Energi Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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...

Licensed Insurance Agent

UPDATED: Apr 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage. Comprehensive costs approximately $194 a year, collision costs $316, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,470. Teen 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:

Comprehensive $194
Collision $316
Liability $474

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

Price Range Variability

For a driver in their 40's, Ford Fusion Energi insurance rates go from as low as $522 for just the minimum liability insurance to a high of $2,470 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,142
High Risk $2,470

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $857
Small Cities $1,199
Large Cities $1,542

The examples above show why it is important to compare rates using their specific location and risk profile, 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.

By clicking, you agree to our Terms of Use

Additional Rate Analysis

The chart below shows estimated Ford Fusion Energi insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $677
  • Drivers who choose higher $1,000 deductibles will pay $1,026 a year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,142
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,366
  • Drivers with multiple violations and an at-fault accident could pay around $2,470 or more
  • Policy cost for full coverage for a 16-year-old driver can cost $4,512 a year

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing full coverage Ford Fusion Energi insurance rates range from $677 to $4,512

Insurance rates for a Ford Fusion Energi also range considerably based on your risk profile, the trim level of your Fusion Energi, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state makes a big difference in Ford Fusion Energi insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,630 on average in New York, Louisiana, and Michigan.

Ford Fusion Energi Insurance Rates by State
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%

View Chart as Image

Ford Fusion Energi insurance rates by U.S. city

Choosing high deductibles could save up to $340 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 136% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

Ford Fusion Energi Insurance Rates by Model Year
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 the Best Ford Fusion Energi Insurance

Finding cheaper rates on insurance for a Ford Fusion Energi not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the data that was covered in the charts and tables above.

  • Drivers can save around $130 per year simply by quoting early and online
  • Insureds who purchase more liability protection will pay about $520 each year to go from a 30/60 limit to 250/500 limits
  • Youthful drivers are expensive to insure, costing up to $376 each month for full coverage
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,330 more per year than a low-risk driver

Rates by Driver Age

Ford Fusion Energi Insurance 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

Ford Fusion Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,262
$500 $1,142
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Energi Insurance Rates with Different Liability Limits
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

Ford Fusion Energi Insurance 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.

SR-22 Surcharge $158

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
Rate after discounts $677

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles