Ford Fusion Energi Insurance Rates
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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:
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.
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.
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
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.
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% |
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,422 |
$250 | $1,310 |
$500 | $1,182 |
$1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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