Ford Fusion Energi Insurance Rates

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

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.

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

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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.

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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