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2014 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 2014 Ford Fusion are $1,334 a year for full coverage. Comprehensive costs around $250, collision costs $470, and liability coverage costs $456. Buying a liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,900. Teen drivers receive the highest rates at $5,118 a year or more.

Annual premium for full coverage: $1,334

Rate estimates for 2014 Ford Fusion Insurance

Comprehensive $250
Collision $470
Liability $456

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 driver in their 40's, prices range go from as low as $508 for basic liability insurance to a much higher rate of $2,900 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,334
High Risk $2,900

View Chart as Image

2014 Ford Fusion insurance rates compared
Column chart showing 2014 Ford Fusion insurance prices range from $769 to $5,118 for full coverage

These differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than 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 2014 Ford Fusion Insurance

Searching Companies

Trying to find better car insurance rates for your Ford Fusion? Buying cheap car insurance over the internet may be difficult for consumers not familiar with shopping for insurance online. Because there are so many online companies, how can drivers even start to compare them all to find the best available rates?

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Pricing affordable coverage is easy if you know what you’re doing. Nevertheless, vehicle owners must learn the way insurance companies market on the web and apply this information to your search.

Fast and Easy Car Insurance Quotes

All major car insurance companies provide coverage prices on the web. Obtaining pricing doesn’t take a lot of time as you just type in your personal and coverage information as requested by the quote form. After the form is submitted, their rating system makes automated requests for your driving and credit reports and generates a price based on these factors.

Being able to quote online simplifies rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it is imperative to perform this step if you are searching for better prices.

There is a better way!

The easiest way to compare rates uses one form that analyzes rates from a lot of companies. The form is fast, eliminates repetitive work, and makes online quotes much easier. After sending the form, it is quoted with multiple companies and you can pick your choice of the quotes that you receive.

If you find a better price you simply finish the application and buy the new coverage. The entire process can be completed in a matter of minutes and can result in significant savings. If you have a policy now, it’s recommended you input the coverages exactly as shown on your declarations page. This way, you will have an apples-to-apples comparison using the exact same coverages.

Save big with these discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but a few need to be asked about before you get the savings.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Save with a New Car – Insuring a new car can save up to 30% since new cars are generally safer.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Passive Restraints – Factory air bags can receive discounts of more than 20%.
  • Senior Discount – Mature drivers may qualify for reduced rates on Fusion insurance.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy over the internet.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. Any amount of discount will cut your overall premium however.

But I don’t know anything about car insurance

When it comes to buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your situation may require specific advice.

  • Is upholstery damage covered by car insurance?
  • Am I missing any policy discounts?
  • What is roadside assistance coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my dog or cat covered if injured in an accident?
  • Does car insurance cover theft of personal property?
  • When should I remove comp and collision on my 2014 Ford Fusion?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if my car is in a flood?
  • Who is covered when they drive my 2014 Ford Fusion?

Ford Fusion insurance rates can be determined by these details

It’s important that you understand the different types of things that come into play when calculating your insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with better insurance rates.

  • Your age impacts your rates – Older insureds are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Teen drivers are known to get distracted easily when behind the wheel therefore insurance rates are much higher.
  • Your stress level may be raising your rates – Occupations like judges, business owners and financial analysts have higher average rates because of high stress and long work hours. Conversely, professions such as actors, engineers and the unemployed get better rates on Fusion insurance.
  • Consolidate policies to earn discounts – Many insurers provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money.
  • Lower deductibles cost more – Physical damage coverage, also known as collision and other-than-collision, protects your Ford from damage. Some instances where coverage would apply would be a windshield shattered by a rock, vandalism, or theft. The deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be on Fusion insurance.
  • Extra coverages can waste money – There are a lot of additional coverages you can purchase on your 2014 Fusion policy. Things like roadside assistance, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Your credit rating is important – Your credit history is a big factor in determining your rates. If your credit score is not that good, you could save money insuring your 2014 Ford Fusion by spending a little time repairing your credit. People with good credit tend to be more responsible as compared to drivers with lower credit scores.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values 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 $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like emergency aid, attorney fees, bail bonds, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for pain medications, nursing services, prosthetic devices, surgery and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays for damage to your Fusion resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, damage from flooding, damage from getting keyed, hail damage and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2014 Ford Fusion.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Compare but don’t skimp

You just read a lot of tips how to lower your 2014 Ford Fusion insurance rates. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest priced insurance coverage comes from the smaller companies.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at a price you can afford.

Cheaper 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 online quoting and these small insurance companies work with independent agents.

Additional insurance coverage information can be read at these links:

Rates by U.S. City

2014 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $2,106
Los Angeles, CA $2,280
Philadelphia, PA $1,781
Jacksonville, FL $1,937
Phoenix, AZ $1,551
Chicago, IL $1,789
Houston, TX $2,088
Seattle, WA $1,298
Columbus, OH $1,113
Indianapolis, IN $1,135

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $5,118
20 $3,096
30 $1,380
40 $1,334
50 $1,220
60 $1,196

Full coverage, $500 deductibles

Rates by Deductible

2014 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,652
$250 $1,502
$500 $1,334
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,425
100/300 $1,539
250/500 $1,836
100 CSL $1,471
300 CSL $1,722
500 CSL $1,904

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,286
20 $4,934
30 $2,950
40 $2,900
50 $2,770
60 $2,746

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $87
Paid in Full/EFT $59
Advance Quote $65
Online Quote $94
Total Discounts $565
Rate after discounts $769

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

Find companies with the cheapest rates in your area

2014 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,206
Alaska $1,024
Arizona $1,108
Arkansas $1,334
California $1,520
Colorado $1,274
Connecticut $1,370
Delaware $1,510
Florida $1,670
Georgia $1,230
Hawaii $960
Idaho $902
Illinois $994
Indiana $1,004
Iowa $900
Kansas $1,266
Kentucky $1,820
Louisiana $1,974
Maine $824
Maryland $1,100
Massachusetts $1,068
Michigan $2,318
Minnesota $1,116
Mississippi $1,598
Missouri $1,184
Montana $1,434
Nebraska $1,050
Nevada $1,600
New Hampshire $960
New Jersey $1,490
New Mexico $1,180
New York $1,404
North Carolina $768
North Dakota $1,090
Ohio $920
Oklahoma $1,370
Oregon $1,220
Pennsylvania $1,272
Rhode Island $1,778
South Carolina $1,208
South Dakota $1,124
Tennessee $1,168
Texas $1,606
Utah $988
Vermont $914
Virginia $800
Washington $1,030
West Virginia $1,222
Wisconsin $924
Wyoming $1,188

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