Ford Fusion Energi Insurance Rates

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Compare 2013 Ford Fusion Energi Car Insurance Cost in 2025

Trying to find better insurance coverage rates for your Ford Fusion Energi? Expensive Ford Fusion Energi insurance can take a big chunk out of your funds and make it tough to pay other bills. Doing a rate comparison is recommended to lower your bills every month. Multiple insurers compete for your hard-earned dollar, so it's not easy to compare every insurance company to find the absolute lowest ...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 26, 2024

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U.S. average insurance prices for a Ford Fusion Energi are $1,182 every 12 months for full coverage. Comprehensive costs approximately $210 each year, collision costs $340, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,556. Teen drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,182

Price estimates by individual coverage:

Comprehensive $210
Collision $340
Liability $474

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Fusion Energi models.

Price Range from Low to High

For a 40-year-old driver, Ford Fusion Energi insurance prices go from the cheapest price of $522 for a discount liability-only rate to a high rate of $2,556 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,182
High Risk $2,556

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance prices.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

The ranges above show why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on price 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.

Rates by State, City, and Model

The chart below shows estimated Ford Fusion Energi insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $697
  • Raising to $1,000 deductibles will save $126 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,182
  • Choosing low deductibles increases the price to $1,422
  • Drivers with multiple violations and an at-fault accident could pay around $2,556 or more
  • The price to insure a 16-year-old driver can cost $4,630

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing full coverage Ford Fusion Energi insurance rates range from $697 to $4,630

Insurance prices for a Ford Fusion Energi are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Fusion Energi.

Choosing high deductibles can reduce prices by up to $370 annually, whereas increasing 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 $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 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 $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find prices as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,690 on average in New York, Louisiana, and Michigan.

Ford Fusion Energi Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,068 -$114 -9.6%
Alaska $906 -$276 -23.4%
Arizona $980 -$202 -17.1%
Arkansas $1,182 -$0 0.0%
California $1,346 $164 13.9%
Colorado $1,130 -$52 -4.4%
Connecticut $1,214 $32 2.7%
Delaware $1,338 $156 13.2%
Florida $1,480 $298 25.2%
Georgia $1,090 -$92 -7.8%
Hawaii $850 -$332 -28.1%
Idaho $798 -$384 -32.5%
Illinois $878 -$304 -25.7%
Indiana $888 -$294 -24.9%
Iowa $798 -$384 -32.5%
Kansas $1,124 -$58 -4.9%
Kentucky $1,612 $430 36.4%
Louisiana $1,748 $566 47.9%
Maine $730 -$452 -38.2%
Maryland $974 -$208 -17.6%
Massachusetts $946 -$236 -20.0%
Michigan $2,054 $872 73.8%
Minnesota $988 -$194 -16.4%
Mississippi $1,414 $232 19.6%
Missouri $1,048 -$134 -11.3%
Montana $1,268 $86 7.3%
Nebraska $932 -$250 -21.2%
Nevada $1,416 $234 19.8%
New Hampshire $850 -$332 -28.1%
New Jersey $1,322 $140 11.8%
New Mexico $1,046 -$136 -11.5%
New York $1,246 $64 5.4%
North Carolina $682 -$500 -42.3%
North Dakota $968 -$214 -18.1%
Ohio $816 -$366 -31.0%
Oklahoma $1,214 $32 2.7%
Oregon $1,080 -$102 -8.6%
Pennsylvania $1,128 -$54 -4.6%
Rhode Island $1,574 $392 33.2%
South Carolina $1,070 -$112 -9.5%
South Dakota $998 -$184 -15.6%
Tennessee $1,034 -$148 -12.5%
Texas $1,424 $242 20.5%
Utah $876 -$306 -25.9%
Vermont $810 -$372 -31.5%
Virginia $708 -$474 -40.1%
Washington $914 -$268 -22.7%
West Virginia $1,084 -$98 -8.3%
Wisconsin $818 -$364 -30.8%
Wyoming $1,054 -$128 -10.8%

View Chart as Image

Ford Fusion Energi insurance rates by U.S. city

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different.

Ford Fusion Energi Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Fusion Energi $270 $538 $442 $1,408
2019 Ford Fusion Energi $260 $500 $452 $1,370
2018 Ford Fusion Energi $250 $470 $456 $1,334
2017 Ford Fusion Energi $240 $422 $460 $1,280
2016 Ford Fusion Energi $224 $388 $460 $1,230
2015 Ford Fusion Energi $216 $364 $464 $1,202
2014 Ford Fusion Energi $210 $340 $474 $1,182
2013 Ford Fusion Energi $194 $316 $474 $1,142

Rates are averaged for all Ford Fusion 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 Low Cost Ford Fusion Energi Insurance

Getting lower rates on insurance for a Ford Fusion Energi consists of having a good driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the car insurance concepts illustrated above.

  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,370 more per year to buy Ford Fusion Energi insurance
  • Drivers can save around $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save as much as $375 each year
  • Insureds who purchase increased levels of liability coverage will pay about $520 each year to raise from a low limit to a 250/500 level

Rates by Driver Age

Ford Fusion Energi Insurance Rates by Driver Age
Driver Age Premium
16 $4,630
20 $2,718
30 $1,214
40 $1,182
50 $1,082
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,422
$250 $1,310
$500 $1,182
$1,000 $1,056

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Energi Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,182
50/100 $1,277
100/300 $1,395
250/500 $1,703
100 CSL $1,324
300 CSL $1,585
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Energi Insurance Rates for High Risk Drivers
Age Premium
16 $6,560
20 $4,336
30 $2,590
40 $2,556
50 $2,444
60 $2,418

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $79
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $82
Total Discounts $485
Rate after discounts $697

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

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