Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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U.S. average insurance rates for a Ford Fusion Energi are $1,202 a year including full coverage. Comprehensive insurance costs an estimated $216, collision insurance costs $364, and liability coverage costs around $464. Liability-only insurance costs as low as $514 a year, and high-risk driver insurance costs $2,604 or more. Teens pay the highest rates at up to $4,690 a year.
Average premium for full coverage: $1,202
Price estimates broken down by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Fusion Energi models.
Price Range from Low to High
For a 40-year-old driver, Ford Fusion Energi insurance prices range from as low as $514 for liability-only coverage to the much higher price of $2,604 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.
The ranges above highlight why everyone should compare prices for a targeted area and risk profile, rather than using averaged prices.
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 breaks down average Ford Fusion Energi insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $704
- Using higher $1,000 deductibles will save approximately $132 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,202
- Selecting pricier low deductibles for physical damage coverage will cost an extra $254 each year
- Higher-risk drivers with serious driving violations could pay up to $2,604
- The price for full coverage for a teenage driver for full coverage can cost as much as $4,690 or more
Car insurance prices for a Ford Fusion Energi are also quite variable based on your driving record, the model of your Fusion Energi, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age
The state you live in has a huge impact on Ford Fusion Energi insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,720 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $390 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $2,000 extra each year, depending on your age. Ford Fusion Energi insurance for high-risk drivers can be around 43% to 130% more than the average policy. 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 the Best Ford Fusion Energi Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and possibly higher deductibles. Invest the time to shop around every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The list below is a brief recap of the coverage data illustrated above.
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $375 each year
- Teenagers have the highest car insurance prices, possibly costing $391 a month if full coverage is included
- Drivers who tend to receive serious violations may pay on average $1,400 more annually for car insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,338 |
| $500 | $1,202 |
| $1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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