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2010 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 29, 2021

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Average insurance rates for a 2010 Ford Fusion are $1,182 a year for full coverage. Comprehensive insurance costs around $210 each year, collision costs $340, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,556 or more. Teenage drivers receive the highest rates at $4,630 a year or more.

Annual premium for full coverage: $1,182

Rate estimates for 2010 Ford Fusion Insurance

Comprehensive $210
Collision $340
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 middle-aged driver, prices range go from as low as $522 for a discount liability-only rate to a high rate of $2,556 for a high risk driver.

Liability Only $522
Full Coverage $1,182
High Risk $2,556

View Chart as Image

2010 Ford Fusion insurance rates compared
Column chart showing 2010 Ford Fusion insurance prices range from $697 to $4,630 for full coverage

These differences show why all drivers should compare rates for a specific zip code and risk profile, instead of using average rates.

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 2010 Ford Fusion Insurance

Searching Companies

Looking for the cheapest insurance coverage rates for your Ford Fusion? Have you had enough of not being able to afford to insure your Ford every month? You are in the same boat as most other car owners. Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available.

It’s a good idea to price shop coverage on a regular basis because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for Fusion insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the fastest way to find the best coverage while lowering your premiums.

If you have a policy now or need new coverage, you can use these tips to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners only need an understanding of the proper methods to shop for car insurance on the web.

Which Insurance Coverage is Cheapest?

Finding lower insurance coverage rates is not rocket science. The only thing you need to do is invest a few minutes to compare quotes from different insurance companies. This can be done using a couple different methods.

This easy form saves time by eliminating repetitive form entry to each individual insurance coverage company. Just one form will get you rate comparisons from all major companies.

A more time consuming way to find lower rates is spending the time to visit the website for every company you want to comare and complete a new quote form. For examples sake, we’ll pretend you want comparison quotes from Liberty Mutual, Farmers and American Family. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverages with every price quote. If the quotes have differing limits it’s impossible to make an equal comparison.

The insurance coverage bait and switch

Drivers can’t ignore all the ads that promise big savings from companies such as Allstate and Progressive. They all say the same thing about savings if you change your policy.

But how can every company say the same thing?

All the different companies have a certain “appetite” for the driver that makes them money. An example of a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and has great credit. Any new insured who matches those parameters receives the best rates and as a result will probably save when switching.

Potential insureds who are not a match for this ideal profile will be charged a more expensive rate and this can result in the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently state the savings.

That is why you should get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest Ford Fusion insurance rates.

Cut your auto insurance rates with these nine discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Most are applied at the time of purchase, but lesser-known reductions have to be specially asked for before they will apply. If you don’t get every credit available, you are paying more than you should be.

  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Fusion insurance depending on your company.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Fusion insurance than less cautious drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Own a Home – Simply owning a home may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings when shopping for auto insurance for Fusion insurance.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

You are unique and your car insurance should be too

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my 2010 Ford Fusion qualify for pleasure use?
  • I don’t drive much so do I pay less?
  • How do I insure my teen driver?
  • What is roadside assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • What is covered by UM/UIM coverage?

The coverage is in the details

Understanding the coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Collision insurance

Collision insurance pays for damage to your Fusion resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, emergency aid, court costs, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, a broken windshield, fire damage and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses like nursing services, X-ray expenses, funeral costs, pain medications and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Affordable insurance is out there

When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped physical damage coverage and discovered at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.

Affordable 2010 Ford Fusion insurance is attainable on the web and with local insurance agents, so compare prices from both to have the best selection. A few companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Additional insurance coverage information can be read at these links:

  • Auto Insurance Basics (Insurance Information Insitute)
  • Collision Insurance Coverage (Nationwide)
  • Prom Night Tips for Teen Drivers (State Farm)
  • Rental Reimbursement Coverage (Allstate)

Rates by U.S. City

2010 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $1,869
Los Angeles, CA $2,019
Philadelphia, PA $1,579
Jacksonville, FL $1,717
Phoenix, AZ $1,372
Chicago, IL $1,580
Houston, TX $1,851
Seattle, WA $1,152
Columbus, OH $987
Indianapolis, IN $1,003

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $4,630
20 $2,718
30 $1,214
40 $1,182
50 $1,082
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

2010 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,422
$250 $1,310
$500 $1,182
$1,000 $1,056

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,182
50/100 $1,277
100/300 $1,395
250/500 $1,703
100 CSL $1,324
300 CSL $1,585
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $6,560
20 $4,336
30 $2,590
40 $2,556
50 $2,444
60 $2,418

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $79
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $82
Total Discounts $485
Rate after discounts $697

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

Find companies with the cheapest rates in your area

2010 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,068
Alaska $906
Arizona $980
Arkansas $1,182
California $1,346
Colorado $1,130
Connecticut $1,214
Delaware $1,338
Florida $1,480
Georgia $1,090
Hawaii $850
Idaho $798
Illinois $878
Indiana $888
Iowa $798
Kansas $1,124
Kentucky $1,612
Louisiana $1,748
Maine $730
Maryland $974
Massachusetts $946
Michigan $2,054
Minnesota $988
Mississippi $1,414
Missouri $1,048
Montana $1,268
Nebraska $932
Nevada $1,416
New Hampshire $850
New Jersey $1,322
New Mexico $1,046
New York $1,246
North Carolina $682
North Dakota $968
Ohio $816
Oklahoma $1,214
Oregon $1,080
Pennsylvania $1,128
Rhode Island $1,574
South Carolina $1,070
South Dakota $998
Tennessee $1,034
Texas $1,424
Utah $876
Vermont $810
Virginia $708
Washington $914
West Virginia $1,084
Wisconsin $818
Wyoming $1,054

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