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2016 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 2016 Ford Fusion are $1,408 a year with full coverage. Comprehensive costs on average $270, collision insurance costs $538, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $3,070. Teenage drivers receive the highest rates at up to $5,352 a year.

Annual premium for full coverage: $1,408

Rate estimates for 2016 Ford Fusion Insurance

Comprehensive $270
Collision $538
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 $496 for just liability coverage to a much higher rate of $3,070 for high-risk insurance.

Liability Only $496
Full Coverage $1,408
High Risk $3,070

View Chart as Image

2016 Ford Fusion insurance rates compared
Column chart showing 2016 Ford Fusion insurance prices range from $804 to $5,352 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than 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 2016 Ford Fusion Insurance

Searching Companies

Trying to find lower insurance rates for your Ford Fusion? Searching for low-cost insurance for a Ford Fusion can be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to shop for insurance so we’re going to tell you the best way to compare rates for your Ford and obtain the lowest possible price either online or from local insurance agents.

Consumers need to check insurance prices occasionally because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Fusion coverage six months ago you can probably find a lower rate today. There is too much inaccurate information about insurance online, so I’m going to show you some proven techniques to save money.

If you have insurance now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Buying cheaper coverage is quite easy. Vehicle owners only need an understanding of the tricks to shop over the internet.

Free Insurance Coverage Quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the best way to get rate quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Many of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company returns a competitive quote based on the submitted data. This saves time by eliminating quote forms to each company.

The single downside to using this type of system is you cannot specify the companies you want to price.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage information with each company. If you are comparing different values for each quote it’s impossible to find the best deal for your Ford Fusion.

Don’t pay full price with these five discounts

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be manually applied prior to receiving the credit. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Claim Free – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Fusion coverage than their less cautious counterparts.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will cut your overall premium however.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

  • State Farm
  • Progressive
  • Travelers
  • American Family
  • Liberty Mutual

Check with all companies you are considering which discounts they offer. Some discounts might not be offered everywhere.

Your personal situation dictates your coverage

When buying the right insurance coverage, there is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I waive the damage coverage when renting a car?
  • How do I file an SR-22 for a DUI in my state?
  • Should I sign the liability waiver when renting a car?
  • Do I need replacement cost coverage?
  • Is my dog or cat covered if injured in an accident?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent.

Insurance coverage basics

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Fusion.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision coverage covers damage to your Fusion resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, medical expenses, pain and suffering, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle, falling objects, vandalism and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses like dental work, EMT expenses, ambulance fees, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

Consumers leave their current company for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, high rates after DUI convictions and high prices. It doesn’t matter why you want to switch switching companies can be easier than you think.

The cheapest 2016 Ford Fusion insurance can be bought online as well as from independent agents, so you should compare both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

You just learned many tips how you can compare insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

For more information, take a look at these articles:

Rates by U.S. City

2016 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $2,226
Los Angeles, CA $2,409
Philadelphia, PA $1,882
Jacksonville, FL $2,044
Phoenix, AZ $1,638
Chicago, IL $1,890
Houston, TX $2,207
Seattle, WA $1,373
Columbus, OH $1,179
Indianapolis, IN $1,200

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $5,352
20 $3,278
30 $1,466
40 $1,408
50 $1,290
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

2016 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,766
$250 $1,600
$500 $1,408
$1,000 $1,226

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,408
50/100 $1,496
100/300 $1,607
250/500 $1,894
100 CSL $1,541
300 CSL $1,784
500 CSL $1,961

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,634
20 $5,230
30 $3,132
40 $3,070
50 $2,934
60 $2,908

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 $201

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $71
Online Quote $100
Total Discounts $604
Rate after discounts $804

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

Find companies with the cheapest rates in your area

2016 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,274
Alaska $1,082
Arizona $1,170
Arkansas $1,408
California $1,606
Colorado $1,346
Connecticut $1,448
Delaware $1,594
Florida $1,762
Georgia $1,300
Hawaii $1,012
Idaho $954
Illinois $1,050
Indiana $1,062
Iowa $950
Kansas $1,338
Kentucky $1,922
Louisiana $2,086
Maine $868
Maryland $1,164
Massachusetts $1,128
Michigan $2,448
Minnesota $1,178
Mississippi $1,688
Missouri $1,250
Montana $1,514
Nebraska $1,110
Nevada $1,690
New Hampshire $1,014
New Jersey $1,576
New Mexico $1,248
New York $1,484
North Carolina $812
North Dakota $1,154
Ohio $974
Oklahoma $1,448
Oregon $1,290
Pennsylvania $1,344
Rhode Island $1,880
South Carolina $1,276
South Dakota $1,190
Tennessee $1,234
Texas $1,698
Utah $1,044
Vermont $964
Virginia $844
Washington $1,090
West Virginia $1,292
Wisconsin $976
Wyoming $1,254

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