Ford Fusion Insurance Rates

Average Ford Fusion car insurance rates amount to $1,492 a year for full coverage. This figure fluctuates based on a variety of factors such as the age, location, and driving record of the policyholder.

Another thing that impacts your individualized rate is the year and trim level of your vehicle. For example, 2014 Ford Fusion SE insurance rates are typically more expensive than 2007 Ford Fusion insurance rates or 2006 Ford Fusion insurance rates

In order to make Ford Fusion insurance easy to understand, we have prepared this comprehensive guide. The details contained in this article will help you on your way to securing an affordable Ford Fusion car insurance policy that you can feel confident about.

When you’re ready, read through the helpful information below and don’t forget to use our free online tool so you can finally answer the question, “Is the Ford Fusion expensive to insure?”

Estimated insurance prices for a Ford Fusion are $1,334 every 12 months for full coverage insurance. Comprehensive insurance costs around $250 a year, collision costs $470, and liability insurance is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing $2,900 or more. Teenage drivers pay the most at $5,118 a year or more.

Average premium for full coverage: $1,334

Premium estimates for type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates estimated Ford Fusion insurance rates for additional coverage choices and driver risks.

• The best discount rate is $769
• Raising to $1,000 deductibles will save about $1,170 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,334
• Using low $100 deductibles costs an extra $318 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,900 or more
• An auto insurance policy to insure a teen driver can be $5,118

View Chart as Image

Car insurance prices for a Ford Fusion also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $490 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford Fusion insurance rates. A middle-age driver might find prices as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheap Ford Fusion Insurance

Finding better rates on Ford Fusion insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the coverage data touched on in the above illustrations.

• It is possible to save up to $160 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $475 each year
• Teen drivers are the costliest to insure, with premiums being up to $427 per month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,570 more every year to insure their Fusion

You might have noticed that Ford Fusion car insurance companies consider a wide assortment of factors when providing customers with quotes. However, you can receive Ford Fusion quotes in real-time by using our free tool below.

What are the safety ratings of the Ford Fusion?

It’s important to consider the safety ratings of the Ford Fusion to get a good idea of where you might qualify for policy discounts. The ratings below show the breakdown of the crash test ratings for this model as determined by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: N/R

As you can see from the results, the Ford Fusion earned the highest mark possible in every category that was tested.

Ford Fusion Compared Against Other Vehicles in the Same Class

Classified as a midsize four-door sedan, the Ford Fusion is in the middle of the pack when it comes to curb weight. That can make it difficult to understand how to price out a fair insurance policy.

In order to see how the Ford Fusion’s insurance rates compare, take a look at these other similar models that belong in the same vehicle class.

• Hyundai Sonata
• Nissan Altima
• Volkswagen Passat

When it comes down to the figures, the IIHS reports that the Nissan Pathfinder has a bodily injury loss percentage of 25 percent and a property damage loss percentage of 13 percent. These figures are around the average for this vehicle class, making Ford Fusion insurance rates pretty standard.

Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Ford Fusion insurance quotes from multiple providers today.