Ford Fusion Energi Insurance Rates

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

Average premium for full coverage: $1,142

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Fusion Energi models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

These rate differences show why all drivers should compare prices using their specific location, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $677
• Using higher $1,000 deductibles will save $116 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,142
• Using low deductibles for physical damage coverage bumps up the cost to $1,366
• Drivers who are prone to accidents and violations could pay around $2,470
• An auto insurance policy that insures a teen driver can cost $4,512 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year, 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 in the ballpark of $4,500 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Fusion Energi insurance prices. A driver around age 40 might see 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 could cut prices by as much as $340 every year, whereas increasing liability limits will push prices upward. 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 Cheaper Ford Fusion Energi Insurance

Finding better rates on car insurance requires being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices once a year by getting quotes from direct carriers, and also from insurance agencies where you live.

The following list is a condensed summary of the data that was covered in the charts and tables above.

• Drivers can save around $130 per year just by quoting online in advance
• Policyholders who purchase an increased level of liability coverage will pay an extra $520 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, as much as $376 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,330 more per year than a safer driver