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 $1,182 a year for full coverage insurance. Comprehensive insurance costs approximately $210, collision insurance costs $340, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,556 or more. Teenage drivers receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

Comprehensive $210
Collision $340
Liability $474

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all Fusion Energi models.

Price Range by Coverage and Risk

For the average driver, prices range range from the low end price of $522 for liability-only coverage to the much higher price of $2,556 for a high-risk insurance policy.

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

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

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

These examples illustrate why everyone should compare prices using their specific location, rather than 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.

Additional Charts and Tables

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

  • The best discount rate is $697
  • Using higher $1,000 deductibles will save $126 each year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,182
  • Using pricier low deductibles for physical damage coverage will cost an additional $240 each year
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,556
  • The cost that insures a teenage driver for full coverage can cost $4,630 or more

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 can also vary considerably based on the model of your Fusion Energi, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Ford Fusion Energi insurance for high-risk drivers can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Ford Fusion Energi insurance rates. A driver around age 40 might see rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay 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

Using high physical damage deductibles could cut rates by as much as $370 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Low Cost Ford Fusion Energi Insurance

Saving money on auto insurance requires being a good driver, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare prices at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a review of the car insurance concepts touched on above.

  • Drivers who have several accidents or serious violations could be charged and average of $1,370 more per year than a safer driver
  • It is possible to save around $140 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $375 each year
  • Consumers who purchase an increased level of liability coverage will pay an extra $520 annually to increase from a minimum limit to the 250/500 level

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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