Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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The average insurance prices for a Ford Fusion Energi are $1,182 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $210, collision insurance costs $340, and liability is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,556 or more. Teen drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,182

Policy rates broken down by type of insurance:

Comprehensive $210
Collision $340
Liability $474

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Fusion Energi trim levels.

Price Range Variability

For the normal driver, Ford Fusion Energi insurance rates range from the cheapest price of $522 for liability-only coverage to a much higher rate of $2,556 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,182
High Risk $2,556

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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.

Additional Charts and Tables

The chart below illustrates average Ford Fusion Energi insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $697
  • Raising to $1,000 deductibles will save approximately $126 each year
  • The average price for a good driver age 40 who has $500 deductibles is $1,182
  • Choosing more expensive low deductibles costs an extra $240 annually
  • Drivers with multiple violations and an at-fault accident could pay up to $2,556
  • Policy cost to insure a 16-year-old driver with full coverage can cost as much as $4,630

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing Ford Fusion Energi insurance prices range from $697 to $4,630 for full coverage

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

Choosing high deductibles can reduce rates by up to $370 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Your home state also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,600 on average in Florida, New York, and Michigan.

Ford Fusion Energi Insurance Rates by State
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%

View Chart as Image

Ford Fusion Energi insurance rates by U.S. city
Ford Fusion Energi Insurance Rates by Model Year
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 Shop for Affordable Ford Fusion Energi Insurance

Finding cheaper rates on insurance for a Ford Fusion Energi consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Invest the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a brief review of the ideas that were presented in the illustrations above.

  • Teenage drivers have the highest car insurance rates, possibly costing $386 each month if the policy includes full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,370 more annually for auto insurance
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • It is possible to save approximately $140 per year just by shopping early and online

Rates by Driver Age

Ford Fusion Energi Insurance 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

Ford Fusion Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,422
$250 $1,310
$500 $1,182
$1,000 $1,056

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Energi Insurance Rates with Different Liability Limits
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

Ford Fusion Energi Insurance 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.

SR-22 Surcharge $163

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
Rate after discounts $697

Discounts are estimated and may not be available from every company or in every state.

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