Best Ford Fusion Energi Insurance Rates [Rates + Coverage Guide]
Ford Fusion Energi insurance rates are $1,492 a year, or around $124 a month on average. On average, comprehensive coverage costs $363, collision coverage costs $530, and liability coverage costs $421 for Ford Fusion Energi insurance.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 24, 2020
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Key takeaways:
- Full coverage costs around $1,492 a year or $124 each month
- A liability-only policy costs around $599 a year or $50 each month
- Highest rates are for teenage drivers at around $5,453 a year or $454 each month
- Good drivers can save as much as $615 a year by earning policy discounts
- Ford Fusion Energi insurance costs around $27 less per year than the average vehicle
Ford Fusion Energi insurance rates are as low as $50 per month. High-risk drivers can pay up to $454 per month. Read more to learn how you can slash Ford Fusion Energi insurance rates.
You can start comparing quotes for Ford Fusion Energi insurance rates from some of the best auto insurance companies by using our free online tool now.
Ford Fusion Energi Insurance Cost
The average Ford Fusion Energi auto insurance rates are $1,492 a year or $124 a month.
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Are Ford Fusion Energis Expensive to Insure?
The chart below details how Ford Fusion Energi insurance rates compare to other hybrid/electrics like the Buick LaCrosse, Chrysler Pacifica Hybrid, and Ford C-Max Hybrid.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Chrysler Pacifica Hybrid | $370 | $656 | $338 | $1,500 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Honda Accord Hybrid | $362 | $718 | $316 | $1,532 |
| Lexus GS 450h | $394 | $774 | $398 | $1,724 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
What Impacts the Cost of Ford Fusion Energi Insurance?
The Ford Fusion Energi trim and model you choose can impact the total price you will pay for Ford Fusion Energi insurance coverage.
Age of the Vehicle
The average Ford Fusion Energi insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Ford Fusion Energi are $1,492, while 2013 Ford Fusion Energi rates are $1,334, a difference of $158.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| 2019 Ford Fusion Energi | $320 | $600 | $390 | $1,468 |
| 2018 Ford Fusion Energi | $306 | $596 | $398 | $1,458 |
| 2017 Ford Fusion Energi | $296 | $582 | $416 | $1,452 |
| 2016 Ford Fusion Energi | $286 | $558 | $430 | $1,432 |
| 2015 Ford Fusion Energi | $270 | $538 | $442 | $1,408 |
| 2014 Ford Fusion Energi | $260 | $500 | $452 | $1,370 |
| 2013 Ford Fusion Energi | $250 | $470 | $456 | $1,334 |
Driver Age
Driver age can have a significant impact on the cost of Ford Fusion Energi auto insurance. For example, 20-year-old drivers pay as much as $1,890 more each year for their Ford Fusion Energi auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Ford Fusion Energi insurance rates. For example, drivers in Los Angeles may pay $213 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Ford Fusion Energi auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Fusion Energi auto insurance rates with violations on their driving record.
Ford Fusion Energi Safety Ratings
The Ford Fusion Energi’s safety ratings will affect your Ford Fusion Energi auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Not Tested |
| Side | Not Tested |
| Roof strength | Not Tested |
| Head restraints and seats | Not Tested |
| Source: Insurance Institute for Highway Safety | |
Ford Fusion Energi Crash Test Ratings
Not only do good Ford Fusion Energi crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Ford Fusion Energi auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Ford Fusion Energi 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2019 Ford Fusion Energi 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2018 Ford Fusion Energi 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2017 Ford Fusion Energi 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2016 Ford Fusion Energi 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Ford Fusion Energi Safety Features
Having a variety of safety features on your Ford Fusion Energi can help lower your insurance costs. According to AutoBlog, the 2020 Ford Fusion Energi’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Ford Fusion Energi Finance and Insurance Cost
If you are financing a Ford Fusion Energi, most lenders will require your carry higher Ford Fusion Energi coverage options including comprehensive coverage, so be sure to shop around and compare Ford Fusion Energi insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Ford Fusion Energi Insurance
You have more options at your disposal to save money on your Ford Fusion Energi auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Fusion Energi insurance rates
- Ask About Ford Fusion Energi Low Mileage Discounts
- Don’t Assume your Ford Fusion Energi is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
- Don’t Always Pick the Cheapest Ford Fusion Energi Insurance Policy
- Pay Your Ford Fusion Energi Insurance Rates Upfront
- Ask About Ford Fusion Energi Discounts If You Were Listed on Someone Else’s Policy
Top Ford Fusion Energi Insurance Companies
Who is the best auto insurance company for Ford Fusion Energi insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Fusion Energi auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Fusion Energi offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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