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 for full coverage insurance. Comprehensive insurance costs an estimated $210 a year, collision insurance costs $340, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver 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 broken down by type of insurance:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Fusion Energi trim levels.
Price Range Variability
For the average 40-year-old driver, Ford Fusion Energi insurance rates range from the low end price of $522 for just liability coverage to a high of $2,556 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.
The examples above illustrate why it is important to compare rates quotes for a targeted area, instead of making a decision based 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.
Detailed Rate Analysis
The chart below illustrates average Ford Fusion Energi insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $697
- Raising to $1,000 deductibles will save approximately $1,056 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,182
- Selecting low $100 deductibles will cost an additional $240 annually
- Drivers with serious driving violations could pay up to $2,556
- Policy cost that insures a 16-year-old driver can cost as much as $4,630
Auto insurance rates for a Ford Fusion Energi also range considerably based on the trim level of your Fusion Energi, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 132% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age
Your home state also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,600 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $370 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
| 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 Ford Fusion Energi Insurance
Finding cheaper rates on insurance for a Ford Fusion Energi consists of being safe and accident-free, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare rates every couple of years by getting quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a brief recap of the material that was touched on in this article.
- Insureds who want more liability protection will pay approximately $520 annually to raise from a 30/60 limit to the 250/500 level
- Youthful drivers are the costliest to insure, possibly costing $386 each month if the policy includes full coverage
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,370 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles can save approximately $375 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,310 |
| $500 | $1,182 |
| $1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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