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 insurance rates for a Ford Fusion are $1,370 a year for full coverage insurance. Comprehensive costs on average $260 each year, collision insurance costs $500, and liability insurance is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $2,978. Teen drivers cost the most to insure at up to $5,226 a year.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Fusion models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

The examples above illustrate why all drivers should get quotes based on a specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below illustrates average Ford Fusion insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $787
• Choosing higher $1,000 deductibles can save around $172 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,370
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,704
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,978
• Policy cost for full coverage for a teen driver may cost $5,226 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $510 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

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 Find Cheap Ford Fusion Insurance

Finding cheaper rates on Ford Fusion insurance takes avoiding accidents and violations, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the concepts that were touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations pay an average of $1,610 more each year for car insurance
• Teenagers pay higher rates, possibly costing $436 each month including comprehensive and collision insurance
• It is possible to save as much as $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $500 each year
• It is possible to save as much as $170 per year just by quoting online in advance

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.