Ford Fusion Energi Insurance Rates

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

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.

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

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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.

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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.

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