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?”

The average auto insurance rates for a Ford Fusion are $1,370 annually for full coverage. Comprehensive insurance costs around $260, collision insurance costs $500, and liability insurance costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs $2,978 or more. Teen drivers cost the most to insure at up to $5,226 a year.

Average premium for full coverage: $1,370

Policy rates for type of insurance:

Includes $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows average Ford Fusion insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $787
• Using higher $1,000 deductibles will save about $172 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,370
• Choosing more expensive low deductibles for physical damage coverage costs an additional $334 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,978
• Policy cost with full coverage for a teen driver with full coverage can be $5,226 or more

View Chart as Image

Auto insurance rates for a Ford Fusion also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $510 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy the Cheapest Ford Fusion Insurance

Finding cheaper rates on Ford Fusion insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a recap of the car insurance concepts covered in the above illustrations.

• High-risk drivers that have major violations or accidents pay an average of $1,610 more every year for Fusion insurance
• Drivers can save up to $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Drivers who may need higher liability limits will pay about $500 each year to increase from a 30/60 limit to higher 250/500 limits

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.