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2012 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 2012 Ford Fusion are $1,230 a year with full coverage. Comprehensive costs an estimated $224 a year, collision costs $388, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,666. Teen drivers receive the highest rates at $4,778 a year or more.

Annual premium for full coverage: $1,230

Rate estimates for 2012 Ford Fusion Insurance

Comprehensive $224
Collision $388
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 $510 for only liability insurance to a high of $2,666 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,230
High Risk $2,666

View Chart as Image

2012 Ford Fusion insurance rates compared
Column chart showing 2012 Ford Fusion insurance prices range from $719 to $4,778 for full coverage

These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on 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 2012 Ford Fusion Insurance

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Overpriced Ford Fusion insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

There are many insurers to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find a good deal.

How to Compare Car Insurance Costs

Comparing car insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You can waste hours driving to local insurance agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company can give them a price based on that data. This eliminates the need for quote forms for each company.

One minor caviat to using this type of form is you can’t choose the companies you want pricing from. So if you want to select from a list of companies to compare, we put together a list of the cheapest car insurance companies in your area.

Whichever way you use, ensure you are comparing identical coverage information for each price quote. If the quotes have different liability limits it will be impossible to determine the lowest rate for your Ford Fusion. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that more quotes provides better odds of finding the best price.

Don’t miss these discounts

Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.

  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Sign Online – Certain companies give back up to $50 just for signing your application digitally online.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

When might I need help?

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • What is no-fault insurance?
  • Should I put collision coverage on all my vehicles?
  • What is medical payments coverage?
  • Does having multiple vehicles earn me a discount?
  • Can I make deliveries for my home business?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent.

Auto insurance policy specifics

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average auto insurance policy.

Liability car insurance

This can cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like emergency aid, attorney fees, court costs, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass and hitting a deer. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Fusion caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, backing into a parked car, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like X-ray expenses, pain medications and hospital visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fusion.

Since many drivers carry very low liability coverage limits, 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.

In conclusion

Cheap 2012 Ford Fusion insurance is attainable from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance companies don’t offer online quoting and these small insurance companies work with independent agents.

We just showed you quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with a small mutual company. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at an affordable rate.

Much more information about insurance coverage is available at the links below

Rates by U.S. City

2012 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $1,944
Los Angeles, CA $2,100
Philadelphia, PA $1,644
Jacksonville, FL $1,784
Phoenix, AZ $1,431
Chicago, IL $1,645
Houston, TX $1,927
Seattle, WA $1,200
Columbus, OH $1,029
Indianapolis, IN $1,044

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $4,778
20 $2,842
30 $1,268
40 $1,230
50 $1,126
60 $1,104

Full coverage, $500 deductibles

Rates by Deductible

2012 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,498
$250 $1,372
$500 $1,230
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,322
100/300 $1,437
250/500 $1,736
100 CSL $1,368
300 CSL $1,621
500 CSL $1,805

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $6,780
20 $4,528
30 $2,708
40 $2,666
50 $2,548
60 $2,526

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 $171

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $79
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $511
Rate after discounts $719

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

Find companies with the cheapest rates in your area

2012 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,112
Alaska $944
Arizona $1,022
Arkansas $1,230
California $1,400
Colorado $1,176
Connecticut $1,264
Delaware $1,390
Florida $1,538
Georgia $1,134
Hawaii $882
Idaho $832
Illinois $914
Indiana $924
Iowa $828
Kansas $1,168
Kentucky $1,676
Louisiana $1,818
Maine $760
Maryland $1,014
Massachusetts $984
Michigan $2,136
Minnesota $1,030
Mississippi $1,472
Missouri $1,090
Montana $1,320
Nebraska $970
Nevada $1,474
New Hampshire $888
New Jersey $1,376
New Mexico $1,090
New York $1,296
North Carolina $708
North Dakota $1,006
Ohio $850
Oklahoma $1,264
Oregon $1,126
Pennsylvania $1,174
Rhode Island $1,642
South Carolina $1,114
South Dakota $1,038
Tennessee $1,078
Texas $1,482
Utah $910
Vermont $840
Virginia $736
Washington $952
West Virginia $1,126
Wisconsin $850
Wyoming $1,098

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