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?”

U.S. average insurance rates for a Ford Fusion are $1,370 a year including full coverage. Comprehensive insurance costs approximately $260 each year, collision insurance costs $500, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $2,978 or more. Teen drivers pay the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Fusion models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below breaks down average Ford Fusion insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $787
• Choosing higher $1,000 deductibles can save $172 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,370
• Choosing low deductibles for comp and collision coverage will cost an additional $334 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,978
• The price that insures a 16-year-old driver can cost $5,226 each year

View Chart as Image

Insurance prices for a Ford Fusion are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $510 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

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 Low Cost Ford Fusion Insurance

Getting lower rates on insurance for a Ford Fusion takes being a good driver, having a good credit score, being claim-free, and consideration of higher deductibles. Shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who have several accidents or serious violations will likely pay on average $1,610 more per year than a safer driver
• You may be able to save around $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $500 each year
• Insureds who purchase an increased level of liability coverage will pay about $500 per year to raise limits from a low limit to the 250/500 level

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.