Ford Fusion Energi Insurance Rates

U.S. average insurance rates for a Ford Fusion Energi are $1,142 a year including full coverage. Comprehensive costs approximately $194 a year, collision insurance costs $316, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,470. Teen drivers pay the highest rates at up to $4,512 a year.

Average premium for full coverage: $1,142

Price estimates by individual coverage:

Prices are based on $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Fusion Energi trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location, rather than using price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down average Ford Fusion Energi insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $677
• Drivers who choose higher $1,000 deductibles will pay $1,026 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,142
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,366
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,470
• The price that insures a teenage driver can cost $4,512 a year

View Chart as Image

Insurance prices for a Ford Fusion Energi are also quite variable based on the trim level of your Fusion Energi, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 136% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in makes a big difference in Ford Fusion Energi insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $340 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Ford Fusion Energi Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and consideration of higher deductibles. Shop around at every policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a brief review of the data covered in the above illustrations.

• Consumers who purchase higher liability limits will pay about $520 per year to go from a low limit to the 250/500 level
• You may be able to save around $130 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $350 each year
• Teens are the costliest to insure, possibly costing $376 a month if comprehensive and collision insurance is included