Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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The average auto insurance rates for a Ford Fusion Energi are $1,202 annually for full coverage. Comprehensive costs around $216 each year, collision costs $364, and liability costs $464. Liability-only insurance costs as little as $514 a year, with high-risk driver insurance costing around $2,604. 16-year-old drivers cost the most to insure at $4,690 a year or more.
Average premium for full coverage: $1,202
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Fusion Energi models.
Price Range Variability
For a 40-year-old driver, Ford Fusion Energi insurance rates go from as cheap as $514 for minimum levels of liability insurance to a high rate of $2,604 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
The examples above show why all drivers should compare rates for a specific zip code and their own personal driving habits, 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 Rate Details
The chart below shows estimated Ford Fusion Energi insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $704
- Drivers who choose higher $1,000 deductibles will pay about $132 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,202
- Buying low deductibles for comprehensive and collision insurance will cost $1,456
- Drivers with multiple tickets or accidents could pay at least $2,604 or more
- Policy cost with full coverage for a 16-year-old driver can be $4,690 a year
Auto insurance rates for a Ford Fusion Energi also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,400 to $2,000 in extra premium every year, 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
Opting for high physical damage deductibles could save up to $390 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit
Your home state 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 Idaho, Maine, and Iowa, or at least $1,720 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted rates will be varied between companies.
| 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 Buy Cheaper Ford Fusion Energi Insurance
Finding cheaper rates on insurance for a Ford Fusion Energi not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a condensed summary of the data illustrated above.
- Insureds who may need more liability protection will pay around $510 each year to go from a 30/60 limit to higher 250/500 limits
- Drivers can save up to $140 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $375 each year
- Youthful drivers are expensive to insure, costing up to $391 each month if full coverage is included
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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