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2006 Ford Fusion Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2006 Ford Fusion are $1,036 a year including full coverage. Comprehensive costs around $166 each year, collision costs $238, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,234. Teen drivers receive the highest rates at $4,166 a year or more.

Annual premium for full coverage: $1,036

Rate estimates for 2006 Ford Fusion Insurance

Comprehensive $166
Collision $238
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2006 Ford Fusion models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $522 for basic liability insurance to a high rate of $2,234 for high-risk insurance.

Liability Only $522
Full Coverage $1,036
High Risk $2,234

View Chart as Image

2006 Ford Fusion insurance rates compared
Column chart showing 2006 Ford Fusion insurance prices range from $626 to $4,166 for full coverage

These differences highlight why all drivers should compare prices for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2006 Ford Fusion Insurance

Searching Companies

Searching for cheaper auto insurance rates for your Ford Fusion? No one in their right mind likes having to buy auto insurance, particularly when they are paying too much. There are many car insurance companies to choose from, and even though it’s nice to have a choice, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

Compare Car Insurance Today

Getting better 2006 Ford Fusion car insurance pricing can be quick and easy. Consumers just need to spend a little time comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. Probably the best way to find low rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do repetitive form entry for every car insurance company. One form submission gets you price quotes from car insurance companies with the best prices.
  2. A different way to compare rate quotes is to take the time to go to each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want comparison quotes from USAA, 21st Century and GEICO. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.For a handy list of car insurance company links in your area, click here.

Whichever way you use, double check that you are using apples-to-apples coverage information on every quote you get. If you have different liability limits it will be impossible to truly determine the lowest rate.

Pay less for Ford Fusion insurance

Companies offering auto insurance don’t always publicize all available discounts very well, so here is a list some of the best known and also the lesser-known auto insurance savings. If you don’t get every credit possible, you are throwing money away.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • No Accidents – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Fusion insurance with select insurance companies.
  • Low Mileage – Keeping the miles down on your Ford could be rewarded with lower rates on the low mileage vehicles.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for Fusion insurance.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Fusion insurance than their less cautious counterparts.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies who offer auto insurance discounts, click here.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions can aid in determining if you could use an agent’s help.

  • How high should deductibles be on a 2006 Ford Fusion?
  • Does my insurance cover my expensive audio equipment?
  • Is my teen driver covered when they drive my company car?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to Mexico or Canada?
  • When should I not file a claim?
  • Can I rent a car in Mexico?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from car insurance companies.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle, vandalism and a broken windshield. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – This provides protection from damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, funeral expenses and attorney fees. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, crashing into a ditch, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, prosthetic devices, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Shop smart and save

In this article, we covered a lot of ways to reduce 2006 Ford Fusion insurance prices online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a lesser-known regional company. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many cases, an insured cut full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Even more information can be found by following these links:

  • Top Signs Your Brakes are Giving Out (State Farm)
  • Coverage Information (Progressive Insurance)
  • Bodily Injury Coverage (Liberty Mutual)
  • Neck Injury FAQ (iihs.org)

Rates by U.S. City

2006 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $1,638
Los Angeles, CA $1,770
Philadelphia, PA $1,383
Jacksonville, FL $1,503
Phoenix, AZ $1,204
Chicago, IL $1,386
Houston, TX $1,622
Seattle, WA $1,011
Columbus, OH $864
Indianapolis, IN $881

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $4,166
20 $2,376
30 $1,054
40 $1,036
50 $950
60 $932

Full coverage, $500 deductibles

Rates by Deductible

2006 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,212
$250 $1,130
$500 $1,036
$1,000 $944

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,036
50/100 $1,131
100/300 $1,249
250/500 $1,557
100 CSL $1,178
300 CSL $1,439
500 CSL $1,629

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $5,874
20 $3,790
30 $2,254
40 $2,234
50 $2,138
60 $2,116

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $70
Total Discounts $410
Rate after discounts $626

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2006 Ford Fusion Insurance Rates by State
State Premium
Alabama $936
Alaska $794
Arizona $860
Arkansas $1,036
California $1,180
Colorado $988
Connecticut $1,064
Delaware $1,172
Florida $1,296
Georgia $956
Hawaii $744
Idaho $698
Illinois $770
Indiana $780
Iowa $698
Kansas $986
Kentucky $1,412
Louisiana $1,532
Maine $638
Maryland $854
Massachusetts $828
Michigan $1,798
Minnesota $866
Mississippi $1,240
Missouri $918
Montana $1,112
Nebraska $818
Nevada $1,242
New Hampshire $746
New Jersey $1,158
New Mexico $918
New York $1,092
North Carolina $596
North Dakota $848
Ohio $714
Oklahoma $1,064
Oregon $948
Pennsylvania $988
Rhode Island $1,380
South Carolina $938
South Dakota $874
Tennessee $908
Texas $1,248
Utah $768
Vermont $710
Virginia $620
Washington $802
West Virginia $948
Wisconsin $718
Wyoming $924

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