Ford Fusion Energi Insurance [Rates + Cheap Coverage Guide]

If you want to buy cheap Ford Fusion Energi insurance coverage then you should know that a policy will cost $124 per month ($1,492 per year) on average. Finding Ford Fusion Energi teenager insurance rates can cost on average $5,453 a year, so shop around to find cheap coverage.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

Are your Ford Fusion Energi insurance rates stressing you out? They don’t have to. Good drivers can save as much as $615 a year by earning policy discounts. Read on to learn how else you can save on Ford Fusion Energi insurance rates and what factors go into determining rates.

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 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 Honda Accord Hybrid, Toyota Prius, and Chevrolet Volt.

Vehicle Comprehensive Collision Liability Total
Ford Fusion Energi $336 $626 $372 $1,492
Honda Accord Hybrid $362 $718 $316 $1,532
Toyota Prius $306 $512 $332 $1,286
Chevrolet Volt $370 $774 $398 $1,700
Ford C-Max Hybrid $282 $566 $398 $1,404
Buick LaCrosse $320 $566 $338 $1,360
Ford Fusion Hybrid $322 $656 $466 $1,644
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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 will affect the total price you will pay for Ford Fusion Energi insurance coverage.

Age of the Vehicle

Older Ford Fusion Energi models generally cost less to insure. For example, car insurance for a 2020 Ford Fusion Energi costs $1,492, while 2013 Ford Fusion Energi insurance costs 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. For example, 30-year-old drivers pay $66 more for Ford Fusion Energi car 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 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 auto insurance rates with violations on their driving record.

Ford Fusion Energi Safety Ratings

Your Ford Fusion Energi auto insurance rates are influenced by the Ford Fusion Energi’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Ford Fusion Energi Crash Test Ratings

Good Ford Fusion Energi crash test ratings can lower your Ford Fusion Energi auto 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

The numerous safety features of the Ford Fusion Energi help contribute to lower insurance rates. The 2020 Ford Fusion Energi has the following safety features:

  • 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 coverages including comprehensive coverage, so be sure to compare Ford Fusion Energi car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Fusion Energi Insurance

Save more on your Ford Fusion Energi car insurance rates. Take a look at the following five strategies that will get you the best Ford Fusion Energi auto insurance rates possible.

  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Ask About Ford Fusion Energi Safety Discounts
  • Buy a Ford Fusion Energi with an Anti-Theft Device
  • Get Married and Ask for a Discount
  • Ask for a New Ford Fusion Energi Auto Insurance Rate Based on Your Improved Credit Score

Top Ford Fusion Energi Insurance Companies

Several top car insurance companies offer competitive rates for the Ford Fusion Energi rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Ford Fusion Energi drivers organized by market share.

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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