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?”

The average insurance prices for a Ford Fusion are $1,370 every 12 months including full coverage. Comprehensive costs around $260, collision insurance costs $500, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,978. Teens cost the most to insure at up to $5,226 a year.

Average premium for full coverage: $1,370

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Fusion models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why everyone should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Ford Fusion insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $787
• Using higher $1,000 deductibles will save about $172 every year
• The average price for a good driver age 40 using $500 deductibles is $1,370
• Selecting pricier low deductibles for physical damage coverage increases the price to $1,704
• Drivers with serious driving violations could pay at least $2,978
• Policy cost to insure a teen driver for full coverage can be $5,226 or more

View Chart as Image

Insurance rates for a Ford Fusion also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 additional every year, depending on your age. Ford Fusion insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for the Best Cheap Ford Fusion Insurance

Finding cheaper rates on Ford Fusion insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a quick review of the data presented in the illustrations above.

• Drivers who may need additional liability coverage will pay approximately $500 per year to increase from a 30/60 limit to a 250/500 level
• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $436 each month if full coverage is included

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.