Ford C-Max Energi Insurance Rates
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UPDATED: Jun 7, 2024
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U.S. average insurance prices for a Ford C-Max Energi are $1,220 every 12 months for full coverage. Comprehensive costs approximately $214, collision costs $388, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,650. Teenage drivers pay the highest rates at $4,764 a year or more.
Average premium for full coverage: $1,220
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different C-Max Energi trim levels.
Price Range from Low to High
For a 40-year-old driver, Ford C-Max Energi insurance prices go from the cheapest price of $510 for a discount liability-only rate to a much higher rate of $2,650 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance prices.
The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, 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.
Rates by State, City, and Model
The chart below shows estimated Ford C-Max Energi insurance rates for additional coverage and risk scenarios.
- The best discount rate is $713
- Choosing higher $1,000 deductibles can save $138 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,220
- Using more expensive low deductibles for comp and collision coverage increases the price to $1,486
- High-risk insureds who are prone to accidents and violations could pay around $2,650 or more
- The price to insure a teen driver with full coverage can cost $4,764 each year
Auto insurance prices for a Ford C-Max Energi are also quite variable based on deductibles and policy limits, your driver profile, and the model of your C-Max Energi.
Using high physical damage deductibles can save as much as $410 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 137% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford C-Max Energi insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,740 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite 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 Shop for Cheaper Ford C-Max Energi Insurance
Getting lower rates on Ford C-Max Energi insurance takes having a decent driving record, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a condensed summary of the data illustrated above.
- Drivers who purchase additional liability coverage will pay an extra $510 each year to raise limits from a low limit to a 250/500 level
- Drivers can save around $140 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $400 each year
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $397 a month if comprehensive and collision insurance is included
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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