Ford Fusion Energi Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 26, 2024
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Estimated insurance rates for a Ford Fusion Energi are $1,142 a year for full coverage. Comprehensive costs on average $194 a year, collision costs $316, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,470. Teen drivers pay the most at $4,512 a year or more.
Average premium for full coverage: $1,142
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and Fusion Energi trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Ford Fusion Energi go from as low as $522 for a discount liability-only rate to a high of $2,470 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences show why it is important to compare prices based on a specific location and risk profile, instead of using 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.
Rates by State, City, and Model
The chart below shows estimated Ford Fusion Energi insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $677
- Using higher $1,000 deductibles will save around $1,026 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,142
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,366
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,470 or more
- An auto insurance policy for full coverage for a teen driver may cost $4,512 or more
Auto insurance prices for a Ford Fusion Energi also have a wide range based on your driving characteristics, the trim level of your Fusion Energi, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age
Where you choose to live has a huge impact on Ford Fusion Energi insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could cut prices by as much as $340 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 136% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
| 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 More Affordable Ford Fusion Energi Insurance
Finding better rates on car insurance requires avoiding accidents and claims, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least every other year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The points below are a summary of the car insurance concepts covered above.
- Higher risk drivers who have multiple accidents or major violations will pay on average $1,330 more each year to insure a Ford Fusion Energi
- Drivers can save as much as $130 per year simply by quoting early and online
- Increasing policy deductibles can save around $350 each year
- Policyholders who require increased liability limits will pay about $520 each year to increase from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,262 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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