Ford Fusion Energi Car Insurance [Comprehensive Guide]

Average Ford Fusion Energi auto insurance rates cost $1,492 a year, or around $124 a month. Comprehensive, collision, and liability insurance cost around $363, $530, and $421, respectively.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 26, 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 car insurance rates cost an average of $1,492 a year or $124 each month, but that can be reduced to $599 a year with a liability-only policy. Good drivers can save up to $615 every year on Ford Fusion Energi insurance rates with policy discounts. Keep reading to learn all about Ford Fusion Energi rates so you can compare policies with confidence.

You can start comparing quotes for Ford Fusion Energi car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Fusion Energi Insurance Cost

The average Ford Fusion Energi car 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 Lexus GS 450h, Ford Fusion Hybrid, and Chevrolet Volt.

Vehicle Comprehensive Collision Liability Total
Ford Fusion Energi $336 $626 $372 $1,492
Lexus GS 450h $394 $774 $398 $1,724
Ford Fusion Hybrid $322 $656 $466 $1,644
Chevrolet Volt $370 $774 $398 $1,700
Toyota Prius $306 $512 $332 $1,286
Hyundai Sonata Hybrid $322 $626 $420 $1,548
Honda Accord Hybrid $362 $718 $316 $1,532
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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 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Ford Fusion Energi cost $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
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Driver Age

Driver age can have a significant effect on Ford Fusion Energi car insurance rates. As an example, a 30-year-old driver pays around $66 more each year for their Ford Fusion Energi car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford Fusion Energi insurance rates. For example, drivers in New York may pay $910 a year more than drivers in Seattle.

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 car insurance with violations on their driving record.

Ford Fusion Energi Crash Test Ratings

If the Ford Fusion Energi crash test ratings are good, you could have lower Ford Fusion Energi car insurance rates. See Ford Fusion Energi crash test results below:

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
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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, you will pay more if you purchase Ford Fusion Energi car insurance at the dealership, so be sure to shop around and compare Ford Fusion Energi car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Fusion Energi Insurance

You have more options at your disposal to save money on your Ford Fusion Energi car insurance costs. For example, try these five tips:

  • Avoid the Temptation to File a Claim for Minor Incidents
  • Don’t Assume your Ford Fusion Energi is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Watch Your Insurer Closely When Your Ford Fusion Energi Needs Repairs
  • Use Paperless Billing for Your Ford Fusion Energi Insurance Policy
  • Use a Service Like Turo to Rent Out Your Ford Fusion Energi

Top Ford Fusion Energi Insurance Companies

Who is the top 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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Compare Free Ford Fusion Energi Insurance Quotes Online

You can start comparing quotes for Ford Fusion Energi auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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