Ford C-Max Energi Insurance Rates
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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 for full coverage insurance. Comprehensive costs around $214 each year, collision costs $388, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,650. Teenage drivers receive the highest rates at $4,764 a year or more.
Average premium for full coverage: $1,220
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and C-Max Energi models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $510 for just the minimum liability insurance to a high rate of $2,650 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code, instead of making a decision based 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.
Additional Rate Analysis
The chart below illustrates estimated Ford C-Max Energi insurance rates for additional coverage choices and driver risks.
- The best discount rate is $713
- Choosing higher $1,000 deductibles can save about $138 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,220
- Using low deductibles for comp and collision coverage bumps up the cost to $1,486
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,650 or more
- The cost that insures a 16-year-old driver can be $4,764 each year
Auto insurance rates for a Ford C-Max Energi can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 137% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Ford C-Max Energi insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,650 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $410 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted 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 Low Cost Ford C-Max Energi Insurance
Saving money on insurance for a Ford C-Max Energi takes avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a review of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,430 more every year for car insurance
- Teenagers are expensive to insure, costing up to $397 per month if the policy includes full coverage
- It is possible to save up to $140 per year simply by quoting online in advance
- Increasing deductibles can save approximately $400 each year
- It is possible to save up to $140 per year simply by quoting online in advance
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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