Ford C-Max Energi Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 7, 2024

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The average insurance prices for a Ford C-Max Energi are $1,270 every 12 months with full coverage. Comprehensive insurance costs on average $230 each year, collision insurance costs $422, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $2,756 or more. Teenage drivers cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,270

Policy rates by type of insurance:

Comprehensive $230
Collision $422
Liability $460

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and C-Max Energi models.

Price Range Variability

For an average driver, Ford C-Max Energi insurance rates range from the cheapest price of $510 for just liability coverage to a high rate of $2,756 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,270
High Risk $2,756

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $953
Small Cities $1,334
Large Cities $1,715

The examples above demonstrate why all drivers should compare rates based on a 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.

Detailed Rate Analysis

The chart below details average Ford C-Max Energi insurance rates for different risk profiles and scenarios.

  • The best discount rate is $739
  • Drivers who choose higher $1,000 deductibles will pay around $150 annually
  • The average price for a good driver age 40 with $500 deductibles is $1,270
  • Using low deductibles for comprehensive and collision insurance costs an extra $286 a year
  • High risk drivers who are prone to accidents and violations could pay upwards of $2,756
  • Policy cost to insure a teen driver may cost $4,918 a year

View Chart as Image

Ford C-Max Energi insurance cost comparison chart
Column chart showing Ford C-Max Energi insurance prices range from $739 to $4,918 for full coverage

Auto insurance rates for a Ford C-Max Energi also range considerably based on liability limits and deductibles, your driving record, and the trim level of your C-Max Energi.

Using high physical damage deductibles could save up to $440 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than a normal policy. 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 $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

Ford C-Max Energi Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,148 -$122 -9.6%
Alaska $974 -$296 -23.3%
Arizona $1,054 -$216 -17.0%
Arkansas $1,270 -$0 0.0%
California $1,446 $176 13.9%
Colorado $1,214 -$56 -4.4%
Connecticut $1,306 $36 2.8%
Delaware $1,436 $166 13.1%
Florida $1,586 $316 24.9%
Georgia $1,172 -$98 -7.7%
Hawaii $910 -$360 -28.3%
Idaho $860 -$410 -32.3%
Illinois $944 -$326 -25.7%
Indiana $954 -$316 -24.9%
Iowa $854 -$416 -32.8%
Kansas $1,206 -$64 -5.0%
Kentucky $1,732 $462 36.4%
Louisiana $1,878 $608 47.9%
Maine $784 -$486 -38.3%
Maryland $1,048 -$222 -17.5%
Massachusetts $1,016 -$254 -20.0%
Michigan $2,204 $934 73.5%
Minnesota $1,062 -$208 -16.4%
Mississippi $1,520 $250 19.7%
Missouri $1,126 -$144 -11.3%
Montana $1,364 $94 7.4%
Nebraska $1,000 -$270 -21.3%
Nevada $1,524 $254 20.0%
New Hampshire $916 -$354 -27.9%
New Jersey $1,420 $150 11.8%
New Mexico $1,126 -$144 -11.3%
New York $1,338 $68 5.4%
North Carolina $730 -$540 -42.5%
North Dakota $1,040 -$230 -18.1%
Ohio $876 -$394 -31.0%
Oklahoma $1,304 $34 2.7%
Oregon $1,162 -$108 -8.5%
Pennsylvania $1,210 -$60 -4.7%
Rhode Island $1,694 $424 33.4%
South Carolina $1,150 -$120 -9.4%
South Dakota $1,072 -$198 -15.6%
Tennessee $1,110 -$160 -12.6%
Texas $1,530 $260 20.5%
Utah $940 -$330 -26.0%
Vermont $868 -$402 -31.7%
Virginia $760 -$510 -40.2%
Washington $984 -$286 -22.5%
West Virginia $1,162 -$108 -8.5%
Wisconsin $878 -$392 -30.9%
Wyoming $1,132 -$138 -10.9%

View Chart as Image

Ford C-Max Energi insurance rates by U.S. city
Ford C-Max Energi Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Ford C-Max Energi $230 $422 $460 $1,270
2016 Ford C-Max Energi $214 $388 $460 $1,220

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 Affordable Ford C-Max Energi Insurance

Finding cheaper rates on Ford C-Max Energi insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by requesting rates from direct companies, and also from local exclusive and independent agents.

Below you'll find a brief review of the information covered in the above illustrations.

  • You may be able to save as much as $150 per year just by quoting online in advance
  • Youthful drivers are charged the highest rates, as much as $410 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save as much as $425 each year
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,490 more each year than a low-risk driver
  • Drivers who require more liability protection will pay an extra $510 every year to go from a 30/60 limit to a 250/500 level

Rates by Driver Age

Ford C-Max Energi Insurance Rates by Driver Age
Driver Age Premium
16 $4,918
20 $2,942
30 $1,310
40 $1,270
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

Ford C-Max Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,422
$500 $1,270
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Ford C-Max Energi Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,270
50/100 $1,362
100/300 $1,477
250/500 $1,776
100 CSL $1,408
300 CSL $1,661
500 CSL $1,845

Full coverage, driver age 40

Rates for High Risk Drivers

Ford C-Max Energi Insurance Rates for High Risk Drivers
Age Premium
16 $6,988
20 $4,692
30 $2,804
40 $2,756
50 $2,636
60 $2,614

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.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $82
Paid in Full/EFT $54
Advance Quote $61
Online Quote $89
Total Discounts $531
Rate after discounts $739

Discounts are estimated and may not be available from every company or in every state.

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