Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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U.S. average auto insurance rates for a Ford Fusion Energi are $1,202 annually with full coverage. Comprehensive costs around $216 a year, collision insurance costs $364, and liability costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,604. 16-year-old drivers pay the highest rates at up to $4,690 a year.
Average premium for full coverage: $1,202
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Fusion Energi trim levels.
Price Range from Low to High
For a driver around age 40, Ford Fusion Energi insurance prices range from as cheap as $514 for minimum levels of liability insurance to a high of $2,604 for a policy for a high-risk driver.
Geographic Price Range
Your location can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using rate averages.
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 Details
The chart below details average Ford Fusion Energi insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $704
- Drivers who choose higher $1,000 deductibles will pay about $1,070 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,202
- Buying low $100 deductibles for comprehensive and collision insurance will cost $1,456
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,604
- The price with full coverage for a teen driver can be $4,690 a year
Insurance prices for a Ford Fusion Energi are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $390 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Ford Fusion Energi insurance prices. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,086 | -$116 | -9.7% |
Alaska | $922 | -$280 | -23.3% |
Arizona | $1,000 | -$202 | -16.8% |
Arkansas | $1,202 | -$0 | 0.0% |
California | $1,370 | $168 | 14.0% |
Colorado | $1,150 | -$52 | -4.3% |
Connecticut | $1,238 | $36 | 3.0% |
Delaware | $1,362 | $160 | 13.3% |
Florida | $1,504 | $302 | 25.1% |
Georgia | $1,110 | -$92 | -7.7% |
Hawaii | $862 | -$340 | -28.3% |
Idaho | $812 | -$390 | -32.4% |
Illinois | $894 | -$308 | -25.6% |
Indiana | $904 | -$298 | -24.8% |
Iowa | $812 | -$390 | -32.4% |
Kansas | $1,142 | -$60 | -5.0% |
Kentucky | $1,640 | $438 | 36.4% |
Louisiana | $1,780 | $578 | 48.1% |
Maine | $742 | -$460 | -38.3% |
Maryland | $992 | -$210 | -17.5% |
Massachusetts | $962 | -$240 | -20.0% |
Michigan | $2,088 | $886 | 73.7% |
Minnesota | $1,004 | -$198 | -16.5% |
Mississippi | $1,440 | $238 | 19.8% |
Missouri | $1,066 | -$136 | -11.3% |
Montana | $1,290 | $88 | 7.3% |
Nebraska | $948 | -$254 | -21.1% |
Nevada | $1,440 | $238 | 19.8% |
New Hampshire | $866 | -$336 | -28.0% |
New Jersey | $1,344 | $142 | 11.8% |
New Mexico | $1,066 | -$136 | -11.3% |
New York | $1,266 | $64 | 5.3% |
North Carolina | $694 | -$508 | -42.3% |
North Dakota | $984 | -$218 | -18.1% |
Ohio | $828 | -$374 | -31.1% |
Oklahoma | $1,234 | $32 | 2.7% |
Oregon | $1,102 | -$100 | -8.3% |
Pennsylvania | $1,146 | -$56 | -4.7% |
Rhode Island | $1,604 | $402 | 33.4% |
South Carolina | $1,090 | -$112 | -9.3% |
South Dakota | $1,014 | -$188 | -15.6% |
Tennessee | $1,052 | -$150 | -12.5% |
Texas | $1,450 | $248 | 20.6% |
Utah | $890 | -$312 | -26.0% |
Vermont | $824 | -$378 | -31.4% |
Virginia | $720 | -$482 | -40.1% |
Washington | $928 | -$274 | -22.8% |
West Virginia | $1,102 | -$100 | -8.3% |
Wisconsin | $834 | -$368 | -30.6% |
Wyoming | $1,072 | -$130 | -10.8% |
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Ford Fusion Energi | $286 | $558 | $430 | $1,432 |
2019 Ford Fusion Energi | $270 | $538 | $442 | $1,408 |
2018 Ford Fusion Energi | $260 | $500 | $452 | $1,370 |
2017 Ford Fusion Energi | $250 | $470 | $456 | $1,334 |
2016 Ford Fusion Energi | $240 | $422 | $460 | $1,280 |
2015 Ford Fusion Energi | $224 | $388 | $460 | $1,230 |
2014 Ford Fusion Energi | $216 | $364 | $464 | $1,202 |
2013 Ford Fusion Energi | $210 | $340 | $474 | $1,182 |
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 the Best Cheap Ford Fusion Energi Insurance
Getting lower rates on car insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a quick review of the coverage data covered above.
- You may be able to save up to $140 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $375 each year
- Youthful drivers are charged the highest prices, costing up to $391 a month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,400 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,690 |
20 | $2,772 |
30 | $1,238 |
40 | $1,202 |
50 | $1,100 |
60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,456 |
$250 | $1,338 |
$500 | $1,202 |
$1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,202 |
50/100 | $1,295 |
100/300 | $1,411 |
250/500 | $1,712 |
100 CSL | $1,341 |
300 CSL | $1,596 |
500 CSL | $1,782 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,652 |
20 | $4,422 |
30 | $2,642 |
40 | $2,604 |
50 | $2,488 |
60 | $2,466 |
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 | $63 |
Multi-vehicle | $65 |
Homeowner | $20 |
5-yr Accident Free | $82 |
5-yr Claim Free | $77 |
Paid in Full/EFT | $50 |
Advance Quote | $57 |
Online Quote | $84 |
Total Discounts | $498 |
Discounts are estimated and may not be available from every company or in every state.
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