Ford Fusion Energi Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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.
Estimated auto insurance rates for a Ford Fusion Energi are $1,142 annually for full coverage insurance. Comprehensive costs approximately $194, collision costs $316, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing around $2,470. Teens pay the most at $4,512 a year or more.
Average premium for full coverage: $1,142
Premium estimates by type of coverage:
These estimates include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Fusion Energi trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Ford Fusion Energi go from as cheap as $522 for just the minimum liability insurance to a much higher rate of $2,470 for high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using averaged prices.
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 illustrates estimated Ford Fusion Energi insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $677
- Drivers who choose higher $1,000 deductibles will pay $116 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,142
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,366
- High-risk insureds with serious driving violations could pay around $2,470 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage can cost $4,512 a year
Insurance prices for a Ford Fusion Energi also have a wide range based on the model of your Fusion Energi, your risk profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance can cost around 42% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Ford Fusion Energi insurance rates. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,540 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every company calculates prices differently, and prices will be substantially different between companies.
| 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 Cheap Ford Fusion Energi Insurance
Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a brief summary of the material that was covered in the charts and tables above.
- Consumers who purchase higher liability limits will pay approximately $520 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- Teens are the costliest to insure, with premiums being up to $376 per month if they have full coverage
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,330 more per year for Fusion Energi insurance
- Increasing policy deductibles could save up to $350 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
