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2015 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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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Average insurance rates for a 2015 Ford Fusion are $1,370 a year for full coverage insurance. Comprehensive insurance costs approximately $260 a year, collision insurance costs $500, and liability coverage costs around $452. Buying a liability-only policy costs as low as $504 a year, and high-risk insurance costs $2,978 or more. Teen drivers receive the highest rates at up to $5,226 a year.

Annual premium for full coverage: $1,370

Rate estimates for 2015 Ford Fusion Insurance

Comprehensive $260
Collision $500
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 40-year-old driver, prices range range from as low as $504 for just liability insurance to a high of $2,978 for high-risk insurance.

Liability Only $504
Full Coverage $1,370
High Risk $2,978

View Chart as Image

2015 Ford Fusion insurance rates compared
Column chart showing 2015 Ford Fusion insurance prices range from $787 to $5,226 for full coverage

These differences illustrate why it is important for drivers to compare prices using their specific location 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 2015 Ford Fusion Insurance

Searching Companies

Trying to find cheaper insurance rates for your Ford Fusion? Comparing insurance rates online may seem to be difficult if you have never used online rate quotes. But don’t let that discourage you because it’s actually quite easy.

It is always a good idea to check insurance prices yearly since rates go up and down regularly. Just because you found the best rates on Fusion insurance six months ago you can probably find a better price now. There is too much inaccurate information about insurance on the web, but I’m going to show you a bunch of ideas how to slash your insurance rates.

If you have car insurance now, you will be able to save some money using these tips. This information will familiarize you with the best way to quote coverages and some tricks to saving. But consumers should learn how the larger insurance companies market on the web and use this information to your advantage.

Low Cost Insurance

The are a couple different ways to compare rate quotes from different insurance companies. The easiest way by far to compare 2015 Ford Fusion insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  • The recommended way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This easy form eliminates the need for separate quote forms for every insurance company. Completing one form will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  • A less efficient way to shop for insurance online requires a visit to the website for each individual company and complete a new quote form. For examples sake, let’s say you want to compare Allstate, 21st Century and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage information for every company. If you use different deductibles you will not be able to determine the lowest rate for your Ford Fusion. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when quoting insurance, remember that comparing a large number of companies will enable you to find the best offered rates.

Verify you’re getting all your discounts

Car insurance companies don’t list every available discount very clearly, so here is a list some of the more common and the more hidden savings tricks you should be using.

  • Accident Waiver – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current expiration date. The savings is around 10%.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
  • No Claims – Claim-free drivers pay less compared to frequent claim filers.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Fusion insurance depending on your company.

It’s important to note that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren’t that generous.

Elements that influence Ford Fusion insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower insurance prices.

Listed below are a few of the “ingredients” insurance companies consider when setting rates.

  • Small claims can cost you – Companies provide better rates to people who file claims infrequently. If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
  • No coverage gaps is important – Letting your insurance expire is a guaranteed way to bump up your insurance costs. And not only will your rates increase, but not being able to provide proof of insurance can result in a revoked license or a big fine.You may need to file a SR-22 with your state motor vehicle department.
  • Marriage brings a discount – Having a spouse actually saves money on your insurance policy. Having a significant other is viewed as being more mature and it’s proven that married couples file fewer claims.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • Don’t buy coverages you don’t need – There are quite a few additional coverages that you can buy on your Fusion policy. Coverages like rental car reimbursement, towing coverage and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
  • Lower miles equals lower premium – Driving more miles in a year the higher your rates will be. Most companies apply a rate determined by how the vehicle is used. Cars that are left in the garage qualify for better rates compared to those used for work or business. Improper usage on your Fusion can cost quite a bit. Verify your insurance coverage properly reflects the proper vehicle usage.

When should I talk to an agent?

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help you determine whether you may require specific advice.

  • Am I covered if I hit a deer?
  • Does my car insurance cover rental cars?
  • Is my teenager covered with friends in the car?
  • Should I sign the liability waiver when renting a car?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Does having multiple vehicles earn me a discount?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I get collision insurance on every vehicle?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Information about specific coverages

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

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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 a good idea.

Liability

Liability coverage can cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as medical services, court costs, medical expenses, repair costs for stationary objects and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This pays for damage to your Fusion from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like prosthetic devices, dental work, nursing services and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, theft, hitting a bird and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Shop Smart and Save

Drivers switch companies for many reasons like being labeled a high risk driver, delays in paying claims, policy cancellation or questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

You just read many tips how you can compare 2015 Ford Fusion insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the most savings is with an unexpected company.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed collision coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

For more information, feel free to browse the resources below:

  • Car Insurance FAQ (Trusted Choice)
  • Drunk Driving Statistics (Insurance Information Insitute)
  • Rollover Crash FAQ (iihs.org)
  • Your Car has been Stolen: Now What? (Allstate)

Rates by U.S. City

2015 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $2,163
Los Angeles, CA $2,337
Philadelphia, PA $1,828
Jacksonville, FL $1,986
Phoenix, AZ $1,590
Chicago, IL $1,836
Houston, TX $2,148
Seattle, WA $1,333
Columbus, OH $1,145
Indianapolis, IN $1,164

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $5,226
20 $3,180
30 $1,420
40 $1,370
50 $1,252
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

2015 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,460
100/300 $1,573
250/500 $1,867
100 CSL $1,506
300 CSL $1,754
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,448
20 $5,068
30 $3,034
40 $2,978
50 $2,846
60 $2,822

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $97
Total Discounts $583
Rate after discounts $787

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

Find companies with the cheapest rates in your area

2015 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,238
Alaska $1,050
Arizona $1,136
Arkansas $1,370
California $1,558
Colorado $1,306
Connecticut $1,408
Delaware $1,548
Florida $1,712
Georgia $1,264
Hawaii $982
Idaho $926
Illinois $1,020
Indiana $1,030
Iowa $924
Kansas $1,300
Kentucky $1,866
Louisiana $2,026
Maine $844
Maryland $1,128
Massachusetts $1,094
Michigan $2,378
Minnesota $1,146
Mississippi $1,640
Missouri $1,214
Montana $1,470
Nebraska $1,080
Nevada $1,642
New Hampshire $988
New Jersey $1,530
New Mexico $1,212
New York $1,442
North Carolina $790
North Dakota $1,120
Ohio $946
Oklahoma $1,404
Oregon $1,254
Pennsylvania $1,306
Rhode Island $1,826
South Carolina $1,240
South Dakota $1,156
Tennessee $1,198
Texas $1,652
Utah $1,014
Vermont $938
Virginia $820
Washington $1,058
West Virginia $1,254
Wisconsin $948
Wyoming $1,220

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