Ford Fusion Energi Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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

Average premium for full coverage: $1,182

Premium estimates for type of coverage:

Comprehensive $210
Collision $340
Liability $474

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Fusion Energi models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Ford Fusion Energi go from the low end price of $522 for basic liability insurance to the much higher price of $2,556 for a high-risk driver policy.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance rates.

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

These rate differences highlight why everyone should compare rates quotes for a specific zip code, instead of making a decision based on price 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.

Rate Comparisons

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

  • The lowest rate with discounts is $697
  • Raising to $1,000 deductibles will save about $126 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,182
  • Choosing pricier low deductibles will cost an additional $240 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,556 or more
  • An auto insurance policy that insures a 16-year-old driver for full coverage can be $4,630

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing full coverage Ford Fusion Energi insurance prices range from $697 to $4,630

Auto insurance prices for a Ford Fusion Energi also have a wide range based on the model of your Fusion Energi, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,400 to $2,000 in extra premium annually, depending on your age. Ford Fusion Energi insurance for high-risk drivers is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

A more mature driver 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. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Fusion Energi insurance prices. A middle-age driver might find prices as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

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

Choosing high deductibles can reduce prices by up to $370 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different.

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 Find the Right Ford Fusion Energi Insurance

Finding better rates on insurance for a Ford Fusion Energi consists of avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the information presented in the illustrations above.

  • You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
  • Drivers under the age of 20 are expensive to insure, with the cost nearing $386 per month if the policy includes full coverage
  • Increasing policy deductibles can save approximately $375 each year
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,370 more every year to insure a Ford Fusion Energi
  • Insureds who may need increased liability limits will pay about $520 per year to raise from 30/60 bodily injury limits to the 250/500 level

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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