Ford Fusion Energi Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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:
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.
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.
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
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.
| 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% |
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,310 |
| $500 | $1,182 |
| $1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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