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 for full coverage. Comprehensive insurance costs on average $260 a year, collision costs $500, and liability coverage is estimated at $452. A policy with only liability insurance costs approximately $504 a year, with a high-risk policy costing $2,978 or more. Teenage drivers pay the most at $5,226 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why it is important to get quotes based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $787
• Choosing higher $1,000 deductibles can save around $1,198 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,370
• Using low $100 deductibles for comp and collision coverage will cost an extra $334 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,978 or more
• An auto insurance policy for full coverage for a teenage driver may cost $5,226 each year

View Chart as Image

Car insurance prices for a Ford Fusion also have a wide range based on your driving characteristics, the trim level of your Fusion, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age

Where you choose to live 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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $510 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially 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 Cheap Ford Fusion Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The points below are a brief summary of the car insurance concepts covered above.

• Drivers that tend to have accidents or serious violations will pay on average $1,610 more each year to insure a Ford Fusion
• Drivers can save as much as $170 per year simply by quoting early and online
• Increasing policy deductibles can save around $500 each year
• Consumers who require increased liability limits will pay an extra $500 each year to raise limits from 30/60 bodily injury limits to 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.