Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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U.S. average auto insurance rates for a Ford Fusion Energi are $1,202 annually for full coverage insurance. Comprehensive insurance costs around $216, collision insurance costs $364, and liability insurance costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs $2,604 or more. Teens pay the highest rates at up to $4,690 a year.
Average premium for full coverage: $1,202
Price estimates for individual coverage:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Fusion Energi models.
Price Range from Low to High
Using a middle-aged driver as an example, Ford Fusion Energi insurance prices range from as cheap as $514 for the bare minimum liability coverage to the much higher price of $2,604 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
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 Rate Information
The chart below illustrates average Ford Fusion Energi insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $704
- Drivers who choose higher $1,000 deductibles will pay about $132 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,202
- Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $254 a year
- High risk drivers with serious driving violations could pay at least $2,604
- The price with full coverage for a teen driver for full coverage can be $4,690 a year
Insurance prices for a Ford Fusion Energi are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 additional each year, depending on your age. Ford Fusion Energi insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $390 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Ford Fusion Energi insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$116 | -9.7% |
| Alaska | $922 | -$280 | -23.3% |
| Arizona | $1,000 | -$202 | -16.8% |
| Arkansas | $1,202 | -$0 | 0.0% |
| California | $1,370 | $168 | 14.0% |
| Colorado | $1,150 | -$52 | -4.3% |
| Connecticut | $1,238 | $36 | 3.0% |
| Delaware | $1,362 | $160 | 13.3% |
| Florida | $1,504 | $302 | 25.1% |
| Georgia | $1,110 | -$92 | -7.7% |
| Hawaii | $862 | -$340 | -28.3% |
| Idaho | $812 | -$390 | -32.4% |
| Illinois | $894 | -$308 | -25.6% |
| Indiana | $904 | -$298 | -24.8% |
| Iowa | $812 | -$390 | -32.4% |
| Kansas | $1,142 | -$60 | -5.0% |
| Kentucky | $1,640 | $438 | 36.4% |
| Louisiana | $1,780 | $578 | 48.1% |
| Maine | $742 | -$460 | -38.3% |
| Maryland | $992 | -$210 | -17.5% |
| Massachusetts | $962 | -$240 | -20.0% |
| Michigan | $2,088 | $886 | 73.7% |
| Minnesota | $1,004 | -$198 | -16.5% |
| Mississippi | $1,440 | $238 | 19.8% |
| Missouri | $1,066 | -$136 | -11.3% |
| Montana | $1,290 | $88 | 7.3% |
| Nebraska | $948 | -$254 | -21.1% |
| Nevada | $1,440 | $238 | 19.8% |
| New Hampshire | $866 | -$336 | -28.0% |
| New Jersey | $1,344 | $142 | 11.8% |
| New Mexico | $1,066 | -$136 | -11.3% |
| New York | $1,266 | $64 | 5.3% |
| North Carolina | $694 | -$508 | -42.3% |
| North Dakota | $984 | -$218 | -18.1% |
| Ohio | $828 | -$374 | -31.1% |
| Oklahoma | $1,234 | $32 | 2.7% |
| Oregon | $1,102 | -$100 | -8.3% |
| Pennsylvania | $1,146 | -$56 | -4.7% |
| Rhode Island | $1,604 | $402 | 33.4% |
| South Carolina | $1,090 | -$112 | -9.3% |
| South Dakota | $1,014 | -$188 | -15.6% |
| Tennessee | $1,052 | -$150 | -12.5% |
| Texas | $1,450 | $248 | 20.6% |
| Utah | $890 | -$312 | -26.0% |
| Vermont | $824 | -$378 | -31.4% |
| Virginia | $720 | -$482 | -40.1% |
| Washington | $928 | -$274 | -22.8% |
| West Virginia | $1,102 | -$100 | -8.3% |
| Wisconsin | $834 | -$368 | -30.6% |
| Wyoming | $1,072 | -$130 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Fusion Energi | $286 | $558 | $430 | $1,432 |
| 2019 Ford Fusion Energi | $270 | $538 | $442 | $1,408 |
| 2018 Ford Fusion Energi | $260 | $500 | $452 | $1,370 |
| 2017 Ford Fusion Energi | $250 | $470 | $456 | $1,334 |
| 2016 Ford Fusion Energi | $240 | $422 | $460 | $1,280 |
| 2015 Ford Fusion Energi | $224 | $388 | $460 | $1,230 |
| 2014 Ford Fusion Energi | $216 | $364 | $464 | $1,202 |
| 2013 Ford Fusion Energi | $210 | $340 | $474 | $1,182 |
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 the Cheapest Ford Fusion Energi Insurance
Getting lower rates on Ford Fusion Energi insurance not only requires being a good driver, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a recap of the ideas that were touched on in the above illustrations.
- Drivers age 16 to 20 are charged the highest prices, as much as $391 a month if they have full coverage
- High-risk drivers that have major violations or accidents pay on average $1,400 more every year than a safer driver
- Increasing physical damage deductibles could save up to $375 each year
- It is possible to save up to $140 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,690 |
| 20 | $2,772 |
| 30 | $1,238 |
| 40 | $1,202 |
| 50 | $1,100 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,338 |
| $500 | $1,202 |
| $1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,202 |
| 50/100 | $1,295 |
| 100/300 | $1,411 |
| 250/500 | $1,712 |
| 100 CSL | $1,341 |
| 300 CSL | $1,596 |
| 500 CSL | $1,782 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,652 |
| 20 | $4,422 |
| 30 | $2,642 |
| 40 | $2,604 |
| 50 | $2,488 |
| 60 | $2,466 |
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 | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $498 |
Discounts are estimated and may not be available from every company or in every state.
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