Ford Fusion Energi Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 26, 2024
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The average insurance rates for a Ford Fusion Energi are $1,182 a year for full coverage. Comprehensive costs an estimated $210 each year, collision costs $340, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,556. Teenage drivers cost the most to insure at $4,630 a year or more.
Average premium for full coverage: $1,182
Policy rates broken down by type of insurance:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Fusion Energi models.
Price Range Variability
For a 40-year-old driver, Ford Fusion Energi insurance rates go from the low end price of $522 for basic liability insurance to a high rate of $2,556 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.
The graphic below illustrates how your location can change insurance prices.
The examples above show why all drivers should compare rates quotes for a targeted area, instead of using 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.
Rate Comparisons
The chart below shows estimated Ford Fusion Energi insurance rates for other coverage scenarios.
- The best discount rate is $697
- Raising to $1,000 deductibles will save approximately $126 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,182
- Using low deductibles bumps up the cost to $1,422
- At-risk drivers who are prone to accidents and violations could pay up to $2,556 or more
- Policy cost that insures a teen driver can cost as much as $4,630
Auto insurance rates for a Ford Fusion Energi also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age
Your home state also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find rates as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,068 | -$114 | -9.6% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,214 | $32 | 2.7% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,480 | $298 | 25.2% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $878 | -$304 | -25.7% |
| Indiana | $888 | -$294 | -24.9% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $730 | -$452 | -38.2% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,080 | -$102 | -8.6% |
| Pennsylvania | $1,128 | -$54 | -4.6% |
| Rhode Island | $1,574 | $392 | 33.2% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,034 | -$148 | -12.5% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,084 | -$98 | -8.3% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,054 | -$128 | -10.8% |
Using high physical damage deductibles can reduce rates by up to $370 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Energi | $270 | $538 | $442 | $1,408 |
| 2019 Ford Fusion Energi | $260 | $500 | $452 | $1,370 |
| 2018 Ford Fusion Energi | $250 | $470 | $456 | $1,334 |
| 2017 Ford Fusion Energi | $240 | $422 | $460 | $1,280 |
| 2016 Ford Fusion Energi | $224 | $388 | $460 | $1,230 |
| 2015 Ford Fusion Energi | $216 | $364 | $464 | $1,202 |
| 2014 Ford Fusion Energi | $210 | $340 | $474 | $1,182 |
| 2013 Ford Fusion Energi | $194 | $316 | $474 | $1,142 |
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 Cheaper Ford Fusion Energi Insurance
Finding cheaper rates on car insurance consists of being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices at least once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the primary concepts that were illustrated above.
- Drivers can save approximately $140 per year simply by quoting online in advance
- Higher risk drivers with multiple at-fault accidents may pay on average $1,370 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles can save approximately $375 each year
- Youthful drivers are the costliest to insure, costing up to $386 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,718 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,310 |
| $500 | $1,182 |
| $1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,277 |
| 100/300 | $1,395 |
| 250/500 | $1,703 |
| 100 CSL | $1,324 |
| 300 CSL | $1,585 |
| 500 CSL | $1,775 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,560 |
| 20 | $4,336 |
| 30 | $2,590 |
| 40 | $2,556 |
| 50 | $2,444 |
| 60 | $2,418 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $485 |
Discounts are estimated and may not be available from every company or in every state.
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