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 $1,202 a year for full coverage insurance. Comprehensive insurance costs an estimated $216 each year, collision costs $364, and liability costs $464. A policy with only liability insurance costs as little as $514 a year, with a high-risk policy costing $2,604 or more. 16-year-old drivers pay the most at $4,690 a year or more.

Average premium for full coverage: $1,202

Premium estimates broken down by type of coverage:

Comprehensive $216
Collision $364
Liability $464

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Fusion Energi models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Ford Fusion Energi go from the low end price of $514 for your basic liability-only policy to a high rate of $2,604 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,202
High Risk $2,604

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how where you live affects insurance prices.

Rural Areas $902
Small Cities $1,262
Large Cities $1,623

These rate differences illustrate why all drivers should compare rates for a targeted area, instead of making a decision based on rate 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.

More Rate Information

The chart below illustrates estimated Ford Fusion Energi insurance rates for other coverage scenarios.

  • The best full coverage rate is $704
  • Drivers who choose higher $1,000 deductibles will pay approximately $132 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,202
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $254 annually
  • Drivers with multiple tickets or accidents could pay up to $2,604 or more
  • An auto insurance policy that insures a 16-year-old driver can cost as much as $4,690 a year

View Chart as Image

Ford Fusion Energi insurance cost comparison chart
Column chart showing full coverage Ford Fusion Energi insurance prices range from $704 to $4,690

Car insurance prices for a Ford Fusion Energi also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 per year 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 be charged at least $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Ford Fusion Energi insurance prices. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.

Ford Fusion Energi Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$116 -9.7%
Alaska $922 -$280 -23.3%
Arizona $1,000 -$202 -16.8%
Arkansas $1,202 -$0 0.0%
California $1,370 $168 14.0%
Colorado $1,150 -$52 -4.3%
Connecticut $1,238 $36 3.0%
Delaware $1,362 $160 13.3%
Florida $1,504 $302 25.1%
Georgia $1,110 -$92 -7.7%
Hawaii $862 -$340 -28.3%
Idaho $812 -$390 -32.4%
Illinois $894 -$308 -25.6%
Indiana $904 -$298 -24.8%
Iowa $812 -$390 -32.4%
Kansas $1,142 -$60 -5.0%
Kentucky $1,640 $438 36.4%
Louisiana $1,780 $578 48.1%
Maine $742 -$460 -38.3%
Maryland $992 -$210 -17.5%
Massachusetts $962 -$240 -20.0%
Michigan $2,088 $886 73.7%
Minnesota $1,004 -$198 -16.5%
Mississippi $1,440 $238 19.8%
Missouri $1,066 -$136 -11.3%
Montana $1,290 $88 7.3%
Nebraska $948 -$254 -21.1%
Nevada $1,440 $238 19.8%
New Hampshire $866 -$336 -28.0%
New Jersey $1,344 $142 11.8%
New Mexico $1,066 -$136 -11.3%
New York $1,266 $64 5.3%
North Carolina $694 -$508 -42.3%
North Dakota $984 -$218 -18.1%
Ohio $828 -$374 -31.1%
Oklahoma $1,234 $32 2.7%
Oregon $1,102 -$100 -8.3%
Pennsylvania $1,146 -$56 -4.7%
Rhode Island $1,604 $402 33.4%
South Carolina $1,090 -$112 -9.3%
South Dakota $1,014 -$188 -15.6%
Tennessee $1,052 -$150 -12.5%
Texas $1,450 $248 20.6%
Utah $890 -$312 -26.0%
Vermont $824 -$378 -31.4%
Virginia $720 -$482 -40.1%
Washington $928 -$274 -22.8%
West Virginia $1,102 -$100 -8.3%
Wisconsin $834 -$368 -30.6%
Wyoming $1,072 -$130 -10.8%

View Chart as Image

Ford Fusion Energi insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $390 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, so rate quotes will be substantially different.

Ford Fusion Energi Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Fusion Energi $286 $558 $430 $1,432
2019 Ford Fusion Energi $270 $538 $442 $1,408
2018 Ford Fusion Energi $260 $500 $452 $1,370
2017 Ford Fusion Energi $250 $470 $456 $1,334
2016 Ford Fusion Energi $240 $422 $460 $1,280
2015 Ford Fusion Energi $224 $388 $460 $1,230
2014 Ford Fusion Energi $216 $364 $464 $1,202
2013 Ford Fusion Energi $210 $340 $474 $1,182

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 Cheaper Ford Fusion Energi Insurance

Finding better rates on insurance for a Ford Fusion Energi not only requires being a safe and courteous driver, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop at least every other year by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below is a condensed summary of the car insurance concepts touched on in the above illustrations.

  • Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,400 more annually for auto insurance
  • It is possible to save approximately $140 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $375 each year
  • Insureds who want higher levels of liability will pay around $510 annually to go 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 $4,690
20 $2,772
30 $1,238
40 $1,202
50 $1,100
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,338
$500 $1,202
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Energi Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,202
50/100 $1,295
100/300 $1,411
250/500 $1,712
100 CSL $1,341
300 CSL $1,596
500 CSL $1,782

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Energi Insurance Rates for High Risk Drivers
Age Premium
16 $6,652
20 $4,422
30 $2,642
40 $2,604
50 $2,488
60 $2,466

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 $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $498
Rate after discounts $704

Discounts are estimated and may not be available from every company or in every state.

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