How Much is Insurance for a Ford Fusion Energi?
Ford Fusion Energi insurance costs around $124 a month for full coverage, but your Ford Fusion Energi insurance requirements may vary depending on where you live. Compare Ford Fusion Energi insurance quotes online now with our free tool to find the most affordable Ford Fusion Energi insurance rates.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 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 $50 per month for liability-only coverage and $124 per month for full coverage. Teen drivers, however, could pay up to $454 per month for insurance. Continue reading to learn how you can save money on 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.
Table of Contents
Ford Fusion Energi Insurance Cost
The average Ford Fusion Energi 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 Hyundai Sonata Hybrid, Toyota Prius, and Buick LaCrosse.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| Toyota Prius | $306 | $512 | $332 | $1,286 |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Honda Accord Hybrid | $362 | $718 | $316 | $1,532 |
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
Older Ford Fusion Energi models generally cost less to insure. For example, auto 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 |
Driver Age
Driver age can have a significant effect on Ford Fusion Energi insurance rates. As an example, a 30-year-old driver pays around $66 more each year for their Ford Fusion Energi auto 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 Houston may pay $1,100 a year more than drivers in Columbus.
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 sees the highest jump in their Ford Fusion Energi auto insurance with violations on their driving record.
Ford Fusion Energi Safety Ratings
Your Ford Fusion Energi auto insurance rates are tied to the Ford Fusion Energi’s safety ratings. See the breakdown 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
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 | ||||
|---|---|---|---|---|
Ford Fusion Energi Safety Features
Having a variety of safety features on your Ford Fusion Energi can help lower your Ford Fusion Energi insurance costs. The 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 auto insurance at the dealership, so be sure to shop around and compare Ford Fusion Energi auto insurance quotes 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 insurance rates. For example, try these five tips:
- Check Your Ford Fusion Energi Policy Carefully to Ensure All Information is Correct
- Use a Service Like Turo to Rent Out Your Ford Fusion Energi
- Remove Young Drivers from Your Ford Fusion Energi Insurance When They Move Out or Go to School
- Ask About Mature Driver Discounts for Drivers Over 50
- Spy on Your Teen Driver
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 | |||
Compare Free Ford Fusion Energi Insurance Quotes Online
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.