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2011 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 2011 Ford Fusion are $1,202 a year for full coverage insurance. Comprehensive costs on average $216 each year, collision costs $364, and liability costs around $464. Buying a liability-only policy costs as low as $514 a year, with high-risk insurance costing around $2,604. Teen drivers receive the highest rates at $4,690 a year or more.

Annual premium for full coverage: $1,202

Rate estimates for 2011 Ford Fusion Insurance

Comprehensive $216
Collision $364
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 the average driver, prices range go from as low as $514 for only liability insurance to a high rate of $2,604 for a driver that may need high-risk insurance.

Liability Only $514
Full Coverage $1,202
High Risk $2,604

View Chart as Image

2011 Ford Fusion insurance rates compared
Column chart showing 2011 Ford Fusion insurance prices range from $704 to $4,690 for full coverage

These differences illustrate why all drivers should compare prices based on a specific location and risk profile, instead of 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 2011 Ford Fusion Insurance

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Trying to find better auto insurance rates for your Ford Fusion? Scraping up a payment for overpriced 2011 Ford Fusion car insurance rates can overdraw your personal savings and make it impossible to make ends meet. Comparison shopping for insurance quotes is free and is an excellent way to slash your bill and have more disposable income.

Companies like Allstate, Liberty Mutual and State Farm persistently shower you with ads and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

You should take the time to compare rates once or twice a year due to the fact that insurance rates are variable and change quite frequently. Just because you found the best price for Fusion coverage six months ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

Enter your ZIP code above to get a FREE quote.

Discounts are available to cut your 2011 Ford Fusion car insurance costs

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so we researched some of the more common and also the lesser-known discounts you could be receiving.

  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Homeowners Discount – Simply owning a home may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A partial list of 2011 Ford Fusion car insurance companies who might offer some of the above discounts are:

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not be offered everywhere.

Everyone needs different coverages

When buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • If my pet gets injured in an accident are they covered?
  • When should I buy a commercial auto policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered by my spouse’s policy after a separation?
  • What should my uninsured motorist coverage limits be in my state?
  • Does having multiple vehicles earn me a discount?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Auto insurance myths debunked

Companies like Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. All the ads say the same thing that you’ll save big after switching to them. How do they all make almost identical claims? This is how they do it.

All the different companies are able to cherry-pick for the right customer that earns them a profit. For example, a desirable insured might be between 30 and 50, a clean driving record, and has excellent credit. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who do not match the requirements must pay higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save money. That’s the way companies can truthfully make the claims of big savings. This illustrates why drivers should get as many comparisons as possible. It’s just too difficult to predict which company will fit your personal profile best.

Car insurance policy coverages for a Ford Fusion

Knowing the specifics of car insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Comprehensive car insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for 2011 Ford Fusion car insurance claims such as falling objects, theft and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like court costs, pain and suffering, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for dental work, EMT expenses, doctor visits, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fusion.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

One last thing

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. In many cases, drivers have reduced liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to get the best coverage possible at a price you can afford.

Affordable 2011 Ford Fusion car insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer you the ability to get 2011 Ford Fusion car insurnace quotes online and these smaller companies work with independent agents. Enter your ZIP code below to get a FREE quote today.

Rates by U.S. City

2011 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $1,899
Los Angeles, CA $2,055
Philadelphia, PA $1,604
Jacksonville, FL $1,745
Phoenix, AZ $1,400
Chicago, IL $1,609
Houston, TX $1,885
Seattle, WA $1,169
Columbus, OH $1,002
Indianapolis, IN $1,022

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $4,690
20 $2,772
30 $1,238
40 $1,202
50 $1,100
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

2011 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,338
$500 $1,202
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,202
50/100 $1,295
100/300 $1,411
250/500 $1,712
100 CSL $1,341
300 CSL $1,596
500 CSL $1,782

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $6,652
20 $4,422
30 $2,642
40 $2,604
50 $2,488
60 $2,466

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 $166

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $498
Rate after discounts $704

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

Find companies with the cheapest rates in your area

2011 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,086
Alaska $922
Arizona $1,000
Arkansas $1,202
California $1,370
Colorado $1,150
Connecticut $1,238
Delaware $1,362
Florida $1,504
Georgia $1,110
Hawaii $862
Idaho $812
Illinois $894
Indiana $904
Iowa $812
Kansas $1,142
Kentucky $1,640
Louisiana $1,780
Maine $742
Maryland $992
Massachusetts $962
Michigan $2,088
Minnesota $1,004
Mississippi $1,440
Missouri $1,066
Montana $1,290
Nebraska $948
Nevada $1,440
New Hampshire $866
New Jersey $1,344
New Mexico $1,066
New York $1,266
North Carolina $694
North Dakota $984
Ohio $828
Oklahoma $1,234
Oregon $1,102
Pennsylvania $1,146
Rhode Island $1,604
South Carolina $1,090
South Dakota $1,014
Tennessee $1,052
Texas $1,450
Utah $890
Vermont $824
Virginia $720
Washington $928
West Virginia $1,102
Wisconsin $834
Wyoming $1,072

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