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 with full coverage. Comprehensive insurance costs an estimated $210, collision insurance costs $340, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,556 or more. Teenage drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,182

Price estimates broken down by individual coverage:

Comprehensive $210
Collision $340
Liability $474

Includes $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Fusion Energi models.

Price Range from Low to High

For a 40-year-old driver, Ford Fusion Energi insurance prices range from the cheapest price of $522 for liability-only coverage to the much higher price of $2,556 for high-risk insurance.

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. More rural locations have more infrequent collision claims than densely populated cities. The example below illustrates how your location can change insurance prices.

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

The ranges above demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based 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.

Additional Charts and Tables

The chart below details average Ford Fusion Energi insurance rates for other coverage scenarios.

  • The best discount rate is $697
  • Raising to $1,000 deductibles will save approximately $126 annually
  • The average price for the average middle-age driver who has $500 deductibles is $1,182
  • Using pricier low deductibles costs an extra $240 annually
  • Drivers who are prone to accidents and violations could pay up to $2,556
  • The price to insure a 16-year-old driver for full coverage can cost as much as $4,630

View Chart as Image

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

Auto insurance prices for a Ford Fusion Energi are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $370 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,400 to $2,000 in extra premium each year, depending on your age. Ford Fusion Energi insurance for high-risk drivers is expensive and can cost from 43% to 132% more than a normal policy. 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 $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,600 on average in New York, Michigan, 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
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 the Cheapest Ford Fusion Energi Insurance

Getting lower rates on insurance for a Ford Fusion Energi consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the material that was illustrated above.

  • Insureds who want higher liability limits will pay an extra $520 every year to raise from a low limit to a 250/500 level
  • Teens are the costliest to insure, costing up to $386 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,370 more annually for Fusion Energi insurance
  • Increasing physical damage 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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