Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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

Average premium for full coverage: $1,142

Policy rates broken down by type of insurance:

Comprehensive $194
Collision $316
Liability $474

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Fusion Energi trim levels.

Price Range Variability

For the average driver, Ford Fusion Energi insurance rates range from as cheap as $522 for the bare minimum liability coverage to a high of $2,470 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

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

The examples above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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.

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Additional Rate Information

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

  • The best discount rate is $677
  • Raising to $1,000 deductibles will 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 costs an additional $224 a year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,470
  • Policy cost with full coverage for a teen driver can cost as much as $4,512

View Chart as Image

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

Auto 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 a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have 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 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $340 each year, 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 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Fusion Energi insurance rates. A middle-age driver might find rates 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.

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
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 Buy the Cheapest Ford Fusion Energi Insurance

Finding cheaper rates on Ford Fusion Energi insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the ideas that were touched on above.

  • Teens are the costliest to insure, costing up to $376 each month if full coverage is included
  • High-risk drivers that have major violations or accidents may pay on average $1,330 more annually for Fusion Energi insurance
  • Increasing comprehensive and collision deductibles could save up to $350 each year
  • Drivers can save approximately $130 per year just by quoting early and online

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.

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