Ford Fusion Energi Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance rates for a Ford Fusion Energi are $1,182 a year for full coverage. Comprehensive costs around $210, collision insurance costs $340, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,556. Teen drivers cost the most to insure at up to $4,630 a year.
Average premium for full coverage: $1,182
Policy rates for type of insurance:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Fusion Energi models.
Price Range Variability
For the normal driver, Ford Fusion Energi insurance rates range from as low as $522 for the bare minimum liability coverage to the much higher price of $2,556 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code 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.
Additional Rate Information
The chart below shows average Ford Fusion Energi insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $697
- Choosing higher $1,000 deductibles can save about $126 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,182
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,422
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,556
- Policy cost for full coverage for a teen driver for full coverage can be $4,630 each year
Insurance rates for a Ford Fusion Energi also range considerably based on your risk profile, the trim level of your Fusion Energi, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age
Your home state plays a big part in determining prices for Ford Fusion Energi insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,690 on average in Michigan, Louisiana, and New York.
| 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 save as much as $370 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra every year, depending on your age. Ford Fusion Energi insurance for high-risk drivers ranges as much as 43% to 132% more than average. View High Risk Driver Rates
| 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 Cheap Ford Fusion Energi Insurance
Finding cheaper rates on car insurance takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The next list is a brief summary of the concepts that were presented in the illustrations above.
- Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,370 more every year to buy Ford Fusion Energi insurance
- Drivers age 20 and younger pay higher rates, costing up to $386 each month for full coverage
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $375 each year
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption