Ford Fusion Energi Insurance Rates

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UPDATED: Apr 26, 2024

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Average auto insurance rates for a Ford Fusion Energi are $1,182 annually for full coverage insurance. Comprehensive costs around $210 a year, collision costs $340, and liability coverage is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,556. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,182

Rate estimates for individual coverage type:

Comprehensive $210
Collision $340
Liability $474

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Fusion Energi trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $522 for basic liability insurance to a high of $2,556 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

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

These examples illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using 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.

Rate Comparisons

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

  • The best discount rate is $697
  • Raising to $1,000 deductibles will save about $1,056 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,182
  • Using low $100 deductibles will cost $1,422
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,556 or more
  • The cost with full coverage for a teenage driver can be $4,630

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

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $370 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Fusion Energi insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $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 your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.

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 Buy Affordable Ford Fusion Energi Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a brief review of the concepts that were covered in the above illustrations.

  • Drivers with DUI or reckless driving convictions pay on average $1,370 more every year for auto insurance
  • Teenage drivers pay higher rates, costing up to $386 per month including comprehensive and collision insurance
  • It is possible to save up to $140 per year simply by quoting early and online
  • Increasing deductibles could save up to $375 each year
  • It is possible to save up to $140 per year simply by quoting early and online

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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