Ford Fusion Energi Insurance Rates

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

Average premium for full coverage: $1,142

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Fusion Energi trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences show why it is important to compare rates quotes for a targeted area, rather than using average rates.

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

Additional Rate Analysis

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 price for a 40-year-old good driver who has $500 deductibles is $1,142
• Using low $100 deductibles will cost an additional $224 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,470
• An auto insurance policy that insures a teenage driver can cost as much as $4,512

View Chart as Image

Insurance prices for a Ford Fusion Energi also have a wide range based on the trim level of your Fusion Energi, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Fusion Energi insurance rates. A middle-age driver might find prices 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

Using high physical damage deductibles can reduce prices by up to $340 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Ford Fusion Energi Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Compare prices every couple of years by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The items below are a brief review of the material that was covered in the above illustrations.

• Consumers who want more liability coverage will pay an extra $520 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are charged the highest prices, as much as $376 per month if full coverage is included
• Drivers with DUI or reckless driving convictions may pay on average $1,330 more annually to insure their Fusion Energi
• Increasing policy deductibles can save approximately $350 each year