Ford Fusion Energi Insurance Rates
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UPDATED: Apr 26, 2024
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U.S. average auto insurance rates for a Ford Fusion Energi are $1,202 annually for full coverage insurance. Comprehensive insurance costs approximately $216, collision costs $364, and liability costs $464. A policy with just liability insurance costs as little as $514 a year, with coverage for high-risk drivers costing $2,604 or more. Teenage drivers pay the highest rates at $4,690 a year or more.
Average premium for full coverage: $1,202
Price estimates by individual coverage:
These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Fusion Energi trim levels.
Price Range from Low to High
For the average 40-year-old driver, Ford Fusion Energi insurance prices go from as cheap as $514 for just the minimum liability insurance to a much higher rate of $2,604 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using average rates.
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 Analysis
The chart below illustrates estimated Ford Fusion Energi insurance rates for additional coverage and risk scenarios.
- The best discount rate is $704
- Drivers who choose higher $1,000 deductibles will pay $132 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,202
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $254 every year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,604 or more
- The price with full coverage for a teen driver with full coverage can cost $4,690 a year
Insurance prices for a Ford Fusion Energi are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $390 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
The state you live in 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 be forced to pay as much as $1,620 on average in Florida, 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite different 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 Cheap Ford Fusion Energi Insurance
Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a brief summary of the data touched on in this article.
- Policyholders who purchase higher levels of liability will pay an extra $510 annually to go from a low limit to higher 250/500 limits
- It is possible to save around $140 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $375 each year
- Teenage drivers are expensive to insure, as much as $391 a month including comprehensive and collision 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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