Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Estimated auto insurance rates for a Ford Fusion Energi are $1,182 annually including full coverage. Comprehensive costs on average $210 a year, collision insurance costs $340, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,556. Teenage drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,182

Premium estimates by type of coverage:

Comprehensive $210
Collision $340
Liability $474

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Fusion Energi trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Ford Fusion Energi range from as cheap as $522 for your basic liability-only policy to a high of $2,556 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

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

These rate differences highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than relying on 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.

More Rate Information

The chart below breaks down average Ford Fusion Energi insurance rates for different risk profiles and scenarios.

  • The best discount rate is $697
  • Raising to $1,000 deductibles will save around $1,056 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,182
  • Using low $100 deductibles will cost $1,422
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,556
  • An auto insurance policy with full coverage for a teen driver may cost $4,630

View Chart as Image

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

Insurance prices for a Ford Fusion Energi also have a wide range based on the model of your Fusion Energi, your driving characteristics, and policy deductibles and limits.

Older drivers with a clean 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. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $370 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

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 $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.

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 Buy Low Cost Ford Fusion Energi Insurance

Finding better rates on Ford Fusion Energi insurance consists of avoiding accidents and claims, having a good credit history, refrain from filing small claims, and determing if full coverage is necessary. Invest the time to compare rates at every other renewal by getting price quotes from direct car insurance companies, and also from several local insurance agents.

The points below are a review of the concepts that were presented in the illustrations above.

  • High-risk drivers who have several accidents or serious violations pay on average $1,370 more each year to insure a Ford Fusion Energi
  • Drivers under the age of 20 pay the highest prices, with the cost nearing $386 per month including comprehensive and collision insurance
  • You may be able to save as much as $140 per year just by quoting early and online
  • Increasing policy deductibles could save up to $375 each year
  • You may be able to save as much as $140 per year just by quoting 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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