Ford C-Max Energi Insurance Rates
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Michelle Robbins
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UPDATED: Jun 7, 2024
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Average insurance rates for a Ford C-Max Energi are $1,220 a year including full coverage. Comprehensive costs on average $214, collision costs $388, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing around $2,650. Teen drivers receive the highest rates at $4,764 a year or more.
Average premium for full coverage: $1,220
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all C-Max Energi models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $510 for your basic liability-only policy to the much higher price of $2,650 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how geographic area affects car insurance rates.
These examples highlight why everyone should compare rates based on a specific location, 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.
More Rate Information
The chart below breaks down estimated Ford C-Max Energi insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $713
- Drivers who choose higher $1,000 deductibles will pay around $138 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,220
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,486
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,650 or more
- The cost that insures a 16-year-old driver for full coverage may cost $4,764 a year
Insurance rates for a Ford C-Max Energi can also vary considerably based on the model of your C-Max Energi, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 additional per year, depending on your age. Ford C-Max Energi insurance for high-risk drivers can cost from 42% to 137% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age
Where you live makes a big difference in Ford C-Max Energi insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,740 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,014 | -$206 | -16.9% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,390 | $170 | 13.9% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,380 | $160 | 13.1% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $826 | -$394 | -32.3% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $978 | -$242 | -19.8% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $962 | -$258 | -21.1% |
| Nevada | $1,464 | $244 | 20.0% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,366 | $146 | 12.0% |
| New Mexico | $1,082 | -$138 | -11.3% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $704 | -$516 | -42.3% |
| North Dakota | $1,000 | -$220 | -18.0% |
| Ohio | $844 | -$376 | -30.8% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,118 | -$102 | -8.4% |
| Pennsylvania | $1,164 | -$56 | -4.6% |
| Rhode Island | $1,630 | $410 | 33.6% |
| South Carolina | $1,106 | -$114 | -9.3% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,070 | -$150 | -12.3% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $902 | -$318 | -26.1% |
| Vermont | $834 | -$386 | -31.6% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $946 | -$274 | -22.5% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
Choosing high deductibles could save up to $410 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford C-Max Energi | $214 | $388 | $460 | $1,220 |
| 2016 Ford C-Max Energi | $206 | $364 | $464 | $1,192 |
Rates are averaged for all Ford C-Max 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 More Affordable Ford C-Max Energi Insurance
Saving money on insurance for a Ford C-Max Energi not only requires being a good driver, but also having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a summary of the information presented in the illustrations above.
- You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 pay higher rates, as much as $397 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $400 each year
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,430 more each year than a safer driver
- Insureds who require an increased level of liability coverage will pay about $510 per year to go from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,764 |
| 20 | $2,828 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,118 |
| 60 | $1,096 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,312 |
| 100/300 | $1,427 |
| 250/500 | $1,726 |
| 100 CSL | $1,358 |
| 300 CSL | $1,611 |
| 500 CSL | $1,795 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,758 |
| 20 | $4,508 |
| 30 | $2,692 |
| 40 | $2,650 |
| 50 | $2,534 |
| 60 | $2,512 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $507 |
Discounts are estimated and may not be available from every company or in every state.
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