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 auto insurance rates for a Ford Fusion are $1,334 annually for full coverage insurance. Comprehensive costs an estimated $250 a year, collision insurance costs $470, and liability costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $2,900. 16-year-old drivers receive the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,334

Rate estimates broken down by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

The chart below illustrates average Ford Fusion insurance rates for other coverage scenarios.

• The best full coverage rate is $769
• Using higher $1,000 deductibles will save approximately $1,170 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,334
• Buying low $100 deductibles for physical damage coverage will cost $1,652
• Drivers with multiple tickets or accidents could pay up to $2,900
• The cost with full coverage for a teen driver can cost as much as $5,118 or more

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on the trim level of your Fusion, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $490 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see rates as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,800 on average in Florida, New York, and Michigan.

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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 Best Cheap Ford Fusion Insurance

Saving money on car insurance requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a quick review of the car insurance concepts covered above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,570 more annually than a safer driver
• It is possible to save approximately $160 per year just by quoting early and online
• Increasing deductibles could save up to $475 each year
• Policyholders who want an increased level of liability coverage will pay around $500 annually to increase from a minimum 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.