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2013 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 2013 Ford Fusion are $1,280 a year for full coverage. Comprehensive costs on average $240, collision insurance costs $422, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,772. Teenage drivers receive the highest rates at up to $4,934 a year.

Annual premium for full coverage: $1,280

Rate estimates for 2013 Ford Fusion Insurance

Comprehensive $240
Collision $422
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 range from as low as $510 for just liability insurance to a much higher rate of $2,772 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,280
High Risk $2,772

View Chart as Image

2013 Ford Fusion insurance rates compared
Column chart showing 2013 Ford Fusion insurance prices range from $744 to $4,934 for full coverage

These differences show why anyone shopping for car insurance should compare prices based on a specific location 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 2013 Ford Fusion Insurance

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Ford Fusion insurance

Are you sick and tired of paying out the nose to buy car insurance? Your situation is no different than most other car owners.

With consumers having so many choices, it can be challenging to pick the best insurer.

You need to take a look at other company’s rates quite often because prices are constantly changing. Despite the fact that you may have had the best deal on Fusion coverage last year there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out the best methods to reduce your cost while improving coverage.

Buying affordable protection is easy if you know what you’re doing. Essentially every driver who buys auto insurance stands a good chance to be able to cut their insurance bill. But drivers should learn how big insurance companies price online insurance because it can help you find the best coverage.

Take discounts and save

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be specially asked for prior to getting the savings.

  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

It’s important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will reduce your premiums.

Companies that possibly offer these benefits include:

  • State Farm
  • American Family
  • GEICO
  • 21st Century
  • Progressive

Check with each insurance company which discounts you may be entitled to. Discounts might not apply in your area.

Compare Auto Insurance Today

Most companies such as Allstate and Progressive provide coverage prices on their websites. Getting quotes is fairly straightforward as you simply enter the amount of coverage you want as detailed in the form. Once you submit the form, the company’s rating system sends out for your driving record and credit report and generates a price. Quoting online makes it a lot easier to compare rates but the time it takes to visit different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to get lower prices.

Isn’t there an easier way to compare rates?

An easier way to lower your rates requires only one form that obtains quotes from several different companies. It’s a real time-saver, requires less work, and makes quoting online much easier to do. Immediately after submitting the form, it is quoted and you are able to buy any of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To compare your current rates, we recommend that you enter the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving rate comparison quotes based on the exact same insurance coverage.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • How can I force my company to pay a claim?
  • When should I remove comp and collision on my 2013 Ford Fusion?
  • Should I have a commercial auto policy?
  • Does coverage extend to Mexico or Canada?
  • Am I better off with higher deductibles on my 2013 Ford Fusion?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • If my pet gets injured in an accident are they covered?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent.

Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Fusion.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability

Liability coverage protects you from damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, loss of income, pain and suffering, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, rehabilitation expenses, hospital visits, X-ray expenses and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This will pay to fix damage to your Fusion caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, damage from flooding, rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Saving money is sweet as honey

Cheap 2013 Ford Fusion insurance can be bought from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced collision coverage and learned later that it was a big error on their part. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.

Even more information can be read in these articles:

Rates by U.S. City

2013 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $2,022
Los Angeles, CA $2,184
Philadelphia, PA $1,708
Jacksonville, FL $1,854
Phoenix, AZ $1,487
Chicago, IL $1,714
Houston, TX $2,005
Seattle, WA $1,247
Columbus, OH $1,070
Indianapolis, IN $1,087

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $4,934
20 $2,954
30 $1,320
40 $1,280
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

2013 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,570
$250 $1,434
$500 $1,280
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,280
50/100 $1,372
100/300 $1,487
250/500 $1,786
100 CSL $1,418
300 CSL $1,671
500 CSL $1,855

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,010
20 $4,712
30 $2,820
40 $2,772
50 $2,652
60 $2,628

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $90
Total Discounts $536
Rate after discounts $744

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

Find companies with the cheapest rates in your area

2013 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,156
Alaska $982
Arizona $1,062
Arkansas $1,280
California $1,456
Colorado $1,222
Connecticut $1,316
Delaware $1,446
Florida $1,598
Georgia $1,180
Hawaii $918
Idaho $866
Illinois $952
Indiana $962
Iowa $862
Kansas $1,216
Kentucky $1,746
Louisiana $1,892
Maine $790
Maryland $1,056
Massachusetts $1,024
Michigan $2,222
Minnesota $1,070
Mississippi $1,532
Missouri $1,134
Montana $1,374
Nebraska $1,008
Nevada $1,534
New Hampshire $922
New Jersey $1,432
New Mexico $1,134
New York $1,348
North Carolina $736
North Dakota $1,048
Ohio $884
Oklahoma $1,314
Oregon $1,172
Pennsylvania $1,220
Rhode Island $1,706
South Carolina $1,158
South Dakota $1,080
Tennessee $1,120
Texas $1,542
Utah $946
Vermont $876
Virginia $766
Washington $990
West Virginia $1,172
Wisconsin $886
Wyoming $1,140

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