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?”

Estimated insurance rates for a Ford Fusion are $1,370 a year with full coverage. Comprehensive costs an estimated $260, collision costs $500, and liability coverage is $452. A policy with only liability insurance costs around $504 a year, with a high-risk policy costing around $2,978. Teenage drivers pay the most at $5,226 a year or more.

Average premium for full coverage: $1,370

Premium estimates broken down by type of coverage:

Includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Fusion models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

These rate differences demonstrate why everyone should compare rates quotes for a targeted area, rather than using average rates.

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

More Rate Information

The chart below details estimated Ford Fusion insurance rates for other coverage scenarios.

• The best discount rate is $787
• Raising to $1,000 deductibles will save approximately $172 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,370
• Using pricier low deductibles bumps up the cost to $1,704
• Unlucky drivers who are prone to accidents and violations could pay up to $2,978 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost as much as $5,226

View Chart as Image

Car insurance prices for a Ford Fusion also have a wide range based on the model of your Fusion, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,600 to $2,300 extra annually, depending on your age. Ford Fusion insurance for high-risk drivers is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Fusion insurance rates. A middle-age driver might find prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $510 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

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

Finding better rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, being claim-free, and not having any coverage lapses. Compare prices at every policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following is a recap of the data illustrated above.

• Consumers who want higher liability limits will pay an extra $500 every year to raise from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $500 each year
• Teens have the highest car insurance prices, possibly costing $436 per month if full coverage is purchased

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.