Ford Fusion Energi Insurance Rates

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

Average premium for full coverage: $1,142

Policy rates broken down by type of insurance:

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Fusion Energi trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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 rate for a good driver age 40 who has $500 deductibles is $1,142
• Using low $100 deductibles costs an additional $224 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,470
• Policy cost with full coverage for a teen driver can cost as much as $4,512

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Auto insurance rates for a Ford Fusion Energi also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

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

Your home state also has a big influence on Ford Fusion Energi insurance rates. A middle-age driver might find rates 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.

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How to Buy the Cheapest Ford Fusion Energi Insurance

Finding cheaper rates on Ford Fusion Energi insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the ideas that were touched on above.

• Teens are the costliest to insure, costing up to $376 each month if full coverage is included
• High-risk drivers that have major violations or accidents may pay on average $1,330 more annually for Fusion Energi insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers can save approximately $130 per year just by quoting early and online