Ford C-Max Energi Insurance Rates
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UPDATED: Jun 7, 2024
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The average insurance prices for a Ford C-Max Energi are $1,220 every 12 months including full coverage. Comprehensive insurance costs on average $214 each year, collision insurance costs $388, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,650 or more. 16-year-old drivers cost the most to insure at up to $4,764 a year.
Average premium for full coverage: $1,220
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and C-Max Energi models.
Price Range Variability
For the normal driver, Ford C-Max Energi insurance rates range from the cheapest price of $510 for just the minimum liability insurance to a high rate of $2,650 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects car insurance rates.
The examples above highlight why all drivers should compare rates based on a specific location and their own driving history, rather than relying on rate 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.
Additional Rate Analysis
The chart below breaks down average Ford C-Max Energi insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $713
- Drivers who choose higher $1,000 deductibles will pay around $138 every year
- The average price for a good driver age 40 with $500 deductibles is $1,220
- Buying low deductibles for comprehensive and collision insurance costs an extra $266 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $2,650
- Policy cost to insure a teen driver may cost $4,764 a year
Car insurance rates for a Ford C-Max Energi also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your C-Max Energi.
Opting for high physical damage deductibles could save up to $410 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 137% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Ford C-Max Energi insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $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% |
| 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 the Best Ford C-Max Energi Insurance
Finding cheaper rates on Ford C-Max Energi insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates every couple of years by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below is a brief recap of the material that was presented in the illustrations above.
- Drivers who require higher levels of liability will pay around $510 per year to go from a 30/60 limit to a 250/500 level
- Teenage drivers are expensive to insure, with premiums being up to $397 each month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,430 more each year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $400 each year
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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