Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage. Comprehensive costs around $194, collision costs $316, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,470. Teenage drivers receive the highest rates at $4,512 a year or more.

Average premium for full coverage: $1,142

Rate estimates for individual coverage type:

Comprehensive $194
Collision $316
Liability $474

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Fusion Energi trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $522 for just the minimum liability insurance to a much higher rate of $2,470 for high-risk insurance.

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

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

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

These examples show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, 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.

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Additional Rate Analysis

The chart below shows estimated Ford Fusion Energi insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $677
  • Choosing higher $1,000 deductibles can save about $116 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,142
  • Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,366
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,470 or more
  • The cost for full coverage for a teen driver with full coverage can be $4,512 each year

View Chart as Image

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

Insurance rates for a Ford Fusion Energi can also vary considerably based on your driver profile, the trim level of your Fusion Energi, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Fusion Energi insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,630 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles can save as much as $340 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance ranges as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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 Find Cheaper Ford Fusion Energi Insurance

Saving money on car insurance takes being a low-risk driver, maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The items below are a condensed summary of the material that was presented in the illustrations above.

  • Policyholders who may need more liability coverage will pay an extra $520 each year to raise limits from a minimum limit to 250/500 limits
  • Teen drivers pay higher rates, costing as high as $376 per month for full coverage
  • Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,330 more every year to insure their Fusion Energi
  • Increasing deductibles can save around $350 each year

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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