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2019 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 29, 2021

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Average insurance rates for a 2019 Ford Fusion are $1,458 a year including full coverage. Comprehensive insurance costs approximately $306 each year, collision insurance costs $596, and liability costs $398. Buying a liability-only policy costs as little as $460 a year, and high-risk insurance costs $3,170 or more. Teenage drivers receive the highest rates at up to $5,426 a year.

Annual premium for full coverage: $1,458

Rate estimates for 2019 Ford Fusion Insurance

Comprehensive $306
Collision $596
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 $460 for basic liability insurance to a high rate of $3,170 for a driver that may need high-risk insurance.

Liability Only $460
Full Coverage $1,458
High Risk $3,170

View Chart as Image

2019 Ford Fusion insurance rates compared
Column chart showing 2019 Ford Fusion insurance prices range from $829 to $5,426 for full coverage

These differences highlight why all drivers should compare rates using their 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 2019 Ford Fusion Insurance

Searching Companies

Trying to find lower auto insurance rates for your Ford Fusion? When looking for lower-priced insurance, do you get overwhelmed by the number of auto insurance choices available to you? Many other drivers are too. You have so many options that it can quickly become hard work to compare prices.

Smart consumers take time to take a look at other company’s rates on a regular basis since insurance rates change regularly. Even if you think you had the lowest rate for Fusion coverage a few years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the right way to save money, get proper coverage and the best rates.

Finding the best rates is not rocket science. If you currently have car insurance, you should be able to cut costs considerably using these tips. But consumers must learn the methods companies use to sell online because it can help you find the best coverage.

The quickest way to compare insurance rates from multiple companies is to realize most of the bigger providers actually pay money for the chance to provide you with a free rate quote. All you need to do is provide information like any included safety features, whether your vehicle is owned or leased, if you require a SR-22, and the year, make and model of vehicles. Your information is then submitted to many different companies and you should receive rate quotes instantly to find the best rate.

If you wish to get multiple quotes for your car now, click here and enter your zip code.

Find discounts on insurance coverage

Some insurers don’t list every disount available very clearly, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving when you buy insurance online.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for Fusion coverage depending on your insurance coverage provider.
  • Life Insurance Discount – If the company offers life insurance, you could get lower prices if you buy auto and life insurance together.
  • Defensive Driver Discounts – Taking time to complete a course teaching driver safety skills could cut 5% off your bill depending on where you live.
  • Active Service Discounts – Being on active duty in the military could qualify you for better insurance coverage rates.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Senior Citizen Rates – If you’re over the age of 55, you may qualify for reduced rates for Fusion coverage.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Fusion coverage than less cautious drivers.

Discounts lower rates, but most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic.

Some of the larger companies that possibly offer these discounts possibly include:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

Before you buy a policy, ask every insurance company the best way to save money. Some discounts listed above may not apply to policies in your area.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving someone else’s vehicle?
  • What is an SR-22 filing?
  • Is there coverage for injuries to my pets?
  • What is medical payments coverage?
  • What is roadside assistance coverage?
  • Do I need more liability coverage?
  • Why is insurance for a teen driver so high?
  • Does my 2019 Ford Fusion qualify for pleasure use?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

How insurance providers calculate Ford Fusion insurance prices

The best way to find cheaper auto insurance is to take a look at the different types of things that come into play when calculating your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that may result in lower premium levels. Many different elements are used in the calculation when quoting car insurance. Most are fairly basic like your driving record, but other criteria are not as apparent such as your credit history and annual miles driven.

  • How much liability insurance – A critical coverage on your policy, liability insurance is the protection in the event that a jury decides you are liable for physical damage or personal injury to other. This coverage provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. It does not mean females are better at driving than males. Females and males have fender benders in similar percentages, but the male of the species tend to have higher claims. In addition to higher claims, males also receive more costly citations such as reckless driving. Youthful male drivers are the most expensive to insure so they pay the highest premiums.
  • An active policy claims history can increase rates – If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Car insurance companies award better rates to policyholders who are not frequent claim filers. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Bundle home and auto and save – Some companies allow lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to shop around to verify if the discount is saving money. Drivers may still find lower rates by splitting coverages up.

Save $489 a year. For real?

Companies like Allstate, GEICO and Progressive regularly use ads on TV and radio. They all tend to make the same promise of big savings if you move your policy. But how can every company lower your premium rates? It’s all in the numbers.

Insurance providers have underwriting criteria for the type of customer that will most likely be profitable. One example of a driver they prefer might have to be between the ages of 30 and 50, has a clear driving record, and chooses high deductibles. Anyone who matches that profile will most likely get cheap car insurance rates and have a good chance to save some money.

Drivers who fall short of the requirements will see a more expensive rate which translates to business going elsewhere. The ads state “customers that switch” not “everyone who quotes” can save as much as they claim. That is how companies can make claims that they all have the best premium rates. This really illustrates why you really should do a quote comparison often. It is just not possible to predict which insurance company will be your best fit.

Insurance policy coverages for a Ford Fusion

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a deer and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, colliding with a tree, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like chiropractic care, surgery, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Ford Fusion.

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 should not be overlooked.

Auto liability insurance

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as emergency aid, bail bonds, attorney fees, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Get your money’s worth

In this article, we presented many ways to save on 2019 Ford Fusion insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

While you’re price shopping online, never skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Drivers switch companies for a number of reasons such as lack of trust in their agent, poor customer service, being labeled a high risk driver or extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company can be easier than you think.

More information is located at the links below

Rates by U.S. City

2019 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $2,307
Los Angeles, CA $2,496
Philadelphia, PA $1,949
Jacksonville, FL $2,118
Phoenix, AZ $1,694
Chicago, IL $1,958
Houston, TX $2,288
Seattle, WA $1,421
Columbus, OH $1,222
Indianapolis, IN $1,243

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2019 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $5,426
20 $3,388
30 $1,528
40 $1,458
50 $1,332
60 $1,308

Full coverage, $500 deductibles

Rates by Deductible

2019 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,858
$250 $1,674
$500 $1,458
$1,000 $1,254

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,458
50/100 $1,538
100/300 $1,637
250/500 $1,896
100 CSL $1,577
300 CSL $1,796
500 CSL $1,956

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,754
20 $5,390
30 $3,244
40 $3,170
50 $3,026
60 $3,000

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 $206

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $74
Online Quote $104
Total Discounts $629
Rate after discounts $829

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

Find companies with the cheapest rates in your area

2019 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,320
Alaska $1,120
Arizona $1,210
Arkansas $1,458
California $1,664
Colorado $1,394
Connecticut $1,502
Delaware $1,650
Florida $1,826
Georgia $1,348
Hawaii $1,048
Idaho $988
Illinois $1,088
Indiana $1,100
Iowa $986
Kansas $1,388
Kentucky $1,992
Louisiana $2,160
Maine $902
Maryland $1,204
Massachusetts $1,168
Michigan $2,536
Minnesota $1,220
Mississippi $1,750
Missouri $1,296
Montana $1,568
Nebraska $1,152
Nevada $1,750
New Hampshire $1,054
New Jersey $1,632
New Mexico $1,294
New York $1,538
North Carolina $842
North Dakota $1,196
Ohio $1,010
Oklahoma $1,500
Oregon $1,338
Pennsylvania $1,392
Rhode Island $1,946
South Carolina $1,324
South Dakota $1,230
Tennessee $1,278
Texas $1,760
Utah $1,080
Vermont $1,000
Virginia $874
Washington $1,128
West Virginia $1,338
Wisconsin $1,010
Wyoming $1,300

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