Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Average insurance prices for a Ford Fusion Energi are $1,182 every 12 months for full coverage insurance. Comprehensive costs on average $210 a year, collision costs $340, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,556. 16-year-old drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

Comprehensive $210
Collision $340
Liability $474

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Fusion Energi trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $522 for the bare minimum liability coverage to a high of $2,556 for high-risk insurance.

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

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

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

These examples illustrate why it is important to get quotes 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 Information

The chart below illustrates estimated Ford Fusion Energi insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $697
  • Choosing higher $1,000 deductibles can save around $1,056 each year
  • The average price for a 40-year-old driver with $500 deductibles is $1,182
  • Buying low $100 deductibles for comp and collision coverage increases the price to $1,422
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,556 or more
  • The cost to insure a teen driver may cost $4,630 each year

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

Car insurance rates for a Ford Fusion Energi can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Fusion Energi.

Opting for high physical damage deductibles can save as much as $370 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Ford Fusion Energi insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,600 on average in Michigan, New York, and Florida.

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

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly 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 More Affordable Ford Fusion Energi Insurance

Saving money on Ford Fusion Energi insurance takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a summary of the material that was touched on in this article.

  • Drivers who require increased liability limits will pay around $520 annually to raise limits from a minimum limit to a 250/500 level
  • Drivers under the age of 20 are expensive to insure, costing up to $386 per month if the policy includes full coverage
  • High-risk drivers who have multiple accidents or major violations pay on average $1,370 more each year to insure a Ford Fusion Energi
  • Increasing deductibles could save as much as $375 each year

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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