Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Average insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage insurance. Comprehensive insurance costs around $194, collision insurance costs $316, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,470 or more. Teens receive the highest rates at up to $4,512 a year.

Average premium for full coverage: $1,142

Rate estimates for individual coverage type:

Comprehensive $194
Collision $316
Liability $474

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Fusion Energi trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the low end price of $522 for just the minimum liability insurance to a much higher rate of $2,470 for high-risk insurance.

Liability Only $522
Full Coverage $1,142
High Risk $2,470

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $857
Small Cities $1,199
Large Cities $1,542

These examples illustrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of using 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 Analysis

The chart below illustrates average Ford Fusion Energi insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $677
  • Drivers who choose higher $1,000 deductibles will pay about $116 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,142
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $224 every year
  • Higher-risk drivers with serious driving violations could pay at least $2,470
  • The cost that insures a teen driver with full coverage can be $4,512 a year

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing Ford Fusion Energi insurance prices range from $677 to $4,512 for full coverage

Insurance rates for a Ford Fusion Energi can also vary considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance can cost as much as 42% to 136% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,500 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion Energi insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,540 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 $1,032 -$110 -9.6%
Alaska $876 -$266 -23.3%
Arizona $948 -$194 -17.0%
Arkansas $1,142 -$0 0.0%
California $1,302 $160 14.0%
Colorado $1,090 -$52 -4.6%
Connecticut $1,174 $32 2.8%
Delaware $1,292 $150 13.1%
Florida $1,430 $288 25.2%
Georgia $1,052 -$90 -7.9%
Hawaii $820 -$322 -28.2%
Idaho $772 -$370 -32.4%
Illinois $850 -$292 -25.6%
Indiana $858 -$284 -24.9%
Iowa $770 -$372 -32.6%
Kansas $1,088 -$54 -4.7%
Kentucky $1,558 $416 36.4%
Louisiana $1,688 $546 47.8%
Maine $704 -$438 -38.4%
Maryland $940 -$202 -17.7%
Massachusetts $914 -$228 -20.0%
Michigan $1,984 $842 73.7%
Minnesota $956 -$186 -16.3%
Mississippi $1,368 $226 19.8%
Missouri $1,014 -$128 -11.2%
Montana $1,226 $84 7.4%
Nebraska $900 -$242 -21.2%
Nevada $1,370 $228 20.0%
New Hampshire $822 -$320 -28.0%
New Jersey $1,276 $134 11.7%
New Mexico $1,010 -$132 -11.6%
New York $1,204 $62 5.4%
North Carolina $658 -$484 -42.4%
North Dakota $936 -$206 -18.0%
Ohio $788 -$354 -31.0%
Oklahoma $1,174 $32 2.8%
Oregon $1,044 -$98 -8.6%
Pennsylvania $1,090 -$52 -4.6%
Rhode Island $1,522 $380 33.3%
South Carolina $1,034 -$108 -9.5%
South Dakota $964 -$178 -15.6%
Tennessee $1,000 -$142 -12.4%
Texas $1,376 $234 20.5%
Utah $846 -$296 -25.9%
Vermont $784 -$358 -31.3%
Virginia $682 -$460 -40.3%
Washington $884 -$258 -22.6%
West Virginia $1,044 -$98 -8.6%
Wisconsin $790 -$352 -30.8%
Wyoming $1,018 -$124 -10.9%

View Chart as Image

Ford Fusion Energi insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $340 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. 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 $260 $500 $452 $1,370
2019 Ford Fusion Energi $250 $470 $456 $1,334
2018 Ford Fusion Energi $240 $422 $460 $1,280
2017 Ford Fusion Energi $224 $388 $460 $1,230
2016 Ford Fusion Energi $216 $364 $464 $1,202
2015 Ford Fusion Energi $210 $340 $474 $1,182
2014 Ford Fusion Energi $194 $316 $474 $1,142
2013 Ford Fusion Energi $190 $286 $478 $1,112

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

Saving money on car insurance not only requires being a low-risk driver, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the material that was covered above.

  • Policyholders who may need more liability coverage will pay approximately $520 annually to go from a minimum limit to the 250/500 level
  • Teen drivers are charged the highest rates, costing up to $376 per month if comprehensive and collision insurance is included
  • Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,330 more every year to insure their Fusion Energi
  • Increasing deductibles can save approximately $350 each year

Rates by Driver Age

Ford Fusion Energi Insurance Rates by Driver Age
Driver Age Premium
16 $4,512
20 $2,630
30 $1,170
40 $1,142
50 $1,048
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,262
$500 $1,142
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Energi Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,142
50/100 $1,237
100/300 $1,355
250/500 $1,663
100 CSL $1,284
300 CSL $1,545
500 CSL $1,735

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Energi Insurance Rates for High Risk Drivers
Age Premium
16 $6,386
20 $4,196
30 $2,502
40 $2,470
50 $2,362
60 $2,338

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $53
Online Quote $79
Total Discounts $465
Rate after discounts $677

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

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