Ford C-Max Energi Insurance Rates
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UPDATED: Jun 7, 2024
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U.S. average auto insurance rates for a Ford C-Max Energi are $1,220 annually for full coverage. Comprehensive insurance costs around $214, collision costs $388, and liability insurance is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,650 or more. 16-year-old drivers pay the highest rates at $4,764 a year or more.
Average premium for full coverage: $1,220
Price estimates for individual coverage:
Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different C-Max Energi trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Ford C-Max Energi insurance prices go from as cheap as $510 for just liability insurance to a much higher rate of $2,650 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, 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.
More Rate Details
The chart below shows estimated Ford C-Max Energi insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $713
- Raising to $1,000 deductibles will save about $138 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,220
- Buying more expensive low deductibles costs an additional $266 a year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,650 or more
- The price with full coverage for a teen driver with full coverage can be $4,764
Car insurance prices for a Ford C-Max Energi are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $410 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Ford C-Max Energi insurance rates. A middle-age driver might find prices as low as $810 a year in states like Idaho, Maine, and Iowa, or at least $1,740 on average in Michigan, Louisiana, and New York.
| 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 your exact price is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.
| 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 Buy the Best Cheap Ford C-Max Energi Insurance
Getting lower rates on Ford C-Max Energi insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a quick review of the concepts that were raised in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,430 more every year for C-Max Energi insurance
- Teens are the costliest to insure, with premiums as much as $397 a month if comprehensive and collision insurance is included
- Drivers can save up to $140 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $400 each year
- Drivers can save up to $140 per year simply by shopping early and online
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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