Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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The average insurance rates for a Ford Fusion Energi are $1,182 a year including full coverage. Comprehensive insurance costs around $210 a year, collision insurance costs $340, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,556 or more. Teens cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,182

Policy rates for type of insurance:

Comprehensive $210
Collision $340
Liability $474

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Fusion Energi trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Ford Fusion Energi insurance rates range from the low end price of $522 for the bare minimum liability coverage to a high of $2,556 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

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

The examples above highlight why it is important to get quotes for a specific zip code, rather than relying on averaged prices.

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 breaks down average Ford Fusion Energi insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $697
  • Choosing higher $1,000 deductibles can save about $1,056 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,182
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $240 a year
  • High-risk insureds with serious driving violations could pay at least $2,556
  • Policy cost that insures a teen driver can be $4,630 each year

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

Car insurance rates for a Ford Fusion Energi also range considerably based on the trim level of your Fusion Energi, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Fusion Energi insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find the Best Cheap Ford Fusion Energi Insurance

Finding cheaper rates on Ford Fusion Energi insurance takes having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates at least every other year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a quick review of the car insurance concepts raised in the charts and tables above.

  • High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,370 more every year than a driver with a clean driving record
  • You may be able to save up to $140 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $375 each year
  • Drivers who may need additional liability coverage will pay approximately $520 per year to raise limits from a 30/60 limit to the 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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