Fisker Ocean Insurance Cost
Full coverage for a Fisker Ocean costs about $1,500 a year ($125/month) by our estimate — ▼ −6% versus the average vehicle.
Fisker Ocean insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2024 model year. Our vehicle data covers the 2023–2024 model years of the Fisker Ocean, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $585 | $49 | $480–$690 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $845 | $70 | $695–$1,000 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,500 | $125 | $1,230–$1,770 |
What drives the cost of insuring a Fisker Ocean
HLDI does not publish loss results for the Fisker Ocean, so our estimate uses the typical losses of its segment (Midsize SUV): 0.95× average for liability, 1.12× for collision and 1.00× for comprehensive.
- Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Recalls & complaints: 6 NHTSA recall campaigns and 884 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Fisker Ocean trims and configurations (2024)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| Ocean Sport 20in | FWD | Electric | 92 | 231 mi |
| Ocean Sport 22in | FWD | Electric | 79 | 194 mi |
Fisker Ocean insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2024 | Electric | FWD | — | $1,500 |
| 2023 | Electric | 4WD | — | $1,465 |
Fisker Ocean insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,305 | $455 | −13% |
| Alaska | $1,315 | $595 | −12% |
| Arizona | $1,570 | $630 | +5% |
| Arkansas | $1,320 | $425 | −12% |
| California | $1,475 | $545 | −2% |
| Colorado | $1,695 | $620 | +13% |
| Connecticut | $1,595 | $675 | +6% |
| Delaware | $1,675 | $760 | +12% |
| District of Columbia | $1,895 | $705 | +26% |
| Florida | $2,140 | $1,025 | +43% |
| Georgia | $1,855 | $830 | +24% |
| Hawaii | $1,040 | $415 | −31% |
| Idaho | $1,020 | $380 | −32% |
| Illinois | $1,300 | $475 | −13% |
| Indiana | $1,065 | $385 | −29% |
| Iowa | $1,015 | $295 | −32% |
| Kansas | $1,195 | $385 | −20% |
| Kentucky | $1,260 | $500 | −16% |
| Louisiana | $2,075 | $750 | +38% |
| Maine | $955 | $405 | −36% |
| Maryland | $1,685 | $715 | +12% |
| Massachusetts | $1,475 | $560 | −2% |
| Michigan | $1,635 | $725 | +9% |
| Minnesota | $1,250 | $445 | −17% |
| Mississippi | $1,430 | $505 | −5% |
| Missouri | $1,360 | $485 | −9% |
| Montana | $1,195 | $375 | −20% |
| Nebraska | $1,195 | $385 | −20% |
| Nevada | $1,720 | $825 | +15% |
| New Hampshire | $1,070 | $380 | −29% |
| New Jersey | $1,805 | $890 | +20% |
| New Mexico | $1,345 | $495 | −10% |
| New York | $2,010 | $885 | +34% |
| North Carolina | $1,120 | $425 | −25% |
| North Dakota | $960 | $260 | −36% |
| Ohio | $1,070 | $385 | −29% |
| Oklahoma | $1,350 | $450 | −10% |
| Oregon | $1,345 | $595 | −10% |
| Pennsylvania | $1,310 | $405 | −13% |
| Rhode Island | $1,815 | $780 | +21% |
| South Carolina | $1,600 | $695 | +7% |
| South Dakota | $1,140 | $300 | −24% |
| Tennessee | $1,245 | $430 | −17% |
| Texas | $1,775 | $655 | +18% |
| Utah | $1,360 | $620 | −9% |
| Vermont | $975 | $300 | −35% |
| Virginia | $1,290 | $595 | −14% |
| Washington | $1,305 | $560 | −13% |
| West Virginia | $1,250 | $415 | −17% |
| Wisconsin | $1,025 | $355 | −32% |
| Wyoming | $1,165 | $310 | −22% |
Fisker Ocean insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,605 | $2,325 | $4,125 | $344 |
| Young adult (22) | $935 | $1,355 | $2,400 | $200 |
| Adult in their 30s | $585 | $845 | $1,500 | $125 |
| Adult in their 50s | $535 | $780 | $1,380 | $115 |
| Senior (72) | $655 | $945 | $1,680 | $140 |
| 30s, one at-fault accident | $845 | $1,225 | $2,175 | $181 |
| 30s, DUI on record | $1,080 | $1,565 | $2,775 | $231 |
Fisker Ocean vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Fisker Ocean | $1,500 | — | — | — |
| Jeep Wrangler | $1,355 | 47 | 42 | — |
| Tesla Model Y | $1,505 | 118 | 77 | — |
| Nissan Murano | $1,465 | 90 | 90 | — |
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Other Fisker models
- Karma $1,220/yr
Frequently asked questions
How much is insurance for a Fisker Ocean?
We estimate about $1,500 a year ($125 a month) for full coverage and $585 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 6% less than the average vehicle.
Which state is cheapest to insure a Fisker Ocean?
Maine has the lowest estimate (about $955 a year for full coverage) and Florida the highest (about $2,140).
Is the Fisker Ocean cheaper to insure than the Jeep Wrangler?
By our estimate the Fisker Ocean costs about $1,500 a year versus $1,355 for the Jeep Wrangler, making the Jeep Wrangler cheaper to insure.
How much is Fisker Ocean insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,125 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.