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?”

Average insurance rates for a Ford Fusion are $1,370 a year for full coverage insurance. Comprehensive insurance costs on average $260, collision costs $500, and liability costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $2,978 or more. Teens receive the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $787
• Drivers who choose higher $1,000 deductibles will pay around $172 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,370
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $334 annually
• Drivers with serious driving violations could pay upwards of $2,978 or more
• The cost for full coverage for a 16-year-old driver with full coverage may cost $5,226 a year

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 the Cheapest Ford Fusion Insurance

Saving money on insurance for a Ford Fusion not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a recap of the material that was presented in the illustrations above.

• Insureds who require more liability coverage will pay approximately $500 annually to go from a minimum limit to 250/500 limits
• Teen drivers are expensive to insure, costing up to $436 per month if full coverage is included
• Drivers considered higher risk that have major violations or accidents pay an average of $1,610 more each year to insure their Fusion
• Increasing deductibles can save around $500 each year

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.