Ford C-Max 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...

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UPDATED: Jun 7, 2024

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Average insurance rates for a Ford C-Max Energi are $1,324 a year with full coverage. Comprehensive insurance costs approximately $240 each year, collision insurance costs $470, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs $2,884 or more. 16-year-old drivers receive the highest rates at up to $5,102 a year.

Average premium for full coverage: $1,324

Rate estimates by individual coverage type:

Comprehensive $240
Collision $470
Liability $456

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and C-Max Energi models.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $508 for liability-only coverage to a high rate of $2,884 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

These examples demonstrate why all drivers should compare prices using their specific location, 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.

Additional Charts and Tables

The chart below details average Ford C-Max Energi insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $763
  • Using higher $1,000 deductibles will save $162 annually
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,324
  • Buying low deductibles for physical damage coverage will cost an additional $314 annually
  • High-risk insureds with multiple tickets or accidents could pay around $2,884
  • The cost that insures a 16-year-old driver can cost $5,102 or more

View Chart as Image

Ford C-Max Energi insurance cost comparison chart
Column chart showing Ford C-Max Energi insurance prices range from $763 to $5,102 for full coverage

Insurance rates for a Ford C-Max Energi can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be from 43% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live has a huge impact on Ford C-Max Energi insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,790 on average in New York, Michigan, and Florida.

Ford C-Max Energi Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,016 -$308 -23.3%
Arizona $1,098 -$226 -17.1%
Arkansas $1,324 -$0 0.0%
California $1,508 $184 13.9%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,658 $334 25.2%
Georgia $1,222 -$102 -7.7%
Hawaii $952 -$372 -28.1%
Idaho $894 -$430 -32.5%
Illinois $986 -$338 -25.5%
Indiana $996 -$328 -24.8%
Iowa $894 -$430 -32.5%
Kansas $1,258 -$66 -5.0%
Kentucky $1,806 $482 36.4%
Louisiana $1,958 $634 47.9%
Maine $818 -$506 -38.2%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,300 $976 73.7%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,174 -$150 -11.3%
Montana $1,424 $100 7.6%
Nebraska $1,042 -$282 -21.3%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $762 -$562 -42.4%
North Dakota $1,082 -$242 -18.3%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,198 -$126 -9.5%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,594 $270 20.4%
Utah $982 -$342 -25.8%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -10.9%

View Chart as Image

Ford C-Max Energi insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $480 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Ford C-Max Energi Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Ford C-Max Energi $240 $470 $456 $1,324
2016 Ford C-Max Energi $230 $422 $460 $1,270

Rates are averaged for all Ford C-Max 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 C-Max Energi Insurance

Saving money on insurance for a Ford C-Max Energi requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a condensed summary of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,560 more per year than a low-risk driver
  • Youthful drivers are the costliest to insure, with premiums as much as $425 per month if comprehensive and collision insurance is included
  • You may be able to save around $160 per year just by quoting online in advance
  • Increasing deductibles can save approximately $475 each year
  • You may be able to save around $160 per year just by quoting online in advance

Rates by Driver Age

Ford C-Max Energi Insurance Rates by Driver Age
Driver Age Premium
16 $5,102
20 $3,082
30 $1,368
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Ford C-Max Energi Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Ford C-Max Energi Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,415
100/300 $1,529
250/500 $1,826
100 CSL $1,461
300 CSL $1,712
500 CSL $1,894

Full coverage, driver age 40

Rates for High Risk Drivers

Ford C-Max Energi Insurance Rates for High Risk Drivers
Age Premium
16 $7,264
20 $4,914
30 $2,934
40 $2,884
50 $2,756
60 $2,732

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $65
Online Quote $93
Total Discounts $561
Rate after discounts $763

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

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