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 $1,230 a year for full coverage. Comprehensive insurance costs an estimated $224 each year, collision insurance costs $388, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,666 or more. Teen drivers pay the highest rates at up to $4,778 a year.

Average premium for full coverage: $1,230

Price estimates broken down by individual coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Fusion models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above show why all drivers should get quotes for a targeted area, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $719
• Choosing higher $1,000 deductibles can save approximately $140 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,230
• Choosing low deductibles for comp and collision coverage will cost an additional $268 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,666
• The price that insures a 16-year-old driver can cost as much as $4,778 each year

View Chart as Image

Auto insurance prices for a Ford Fusion are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 136% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,700 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 $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $410 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Affordable Ford Fusion Insurance

Getting lower rates on insurance for a Ford Fusion takes being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Shop around every couple of years by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a brief review of the material that was raised in the charts and tables above.

• Insureds who want more liability coverage will pay about $510 each year to raise limits from a low limit to the 250/500 level
• Teen drivers are the costliest to insure, with premiums as much as $398 a month if the policy includes full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,440 more annually to insure their Fusion
• Increasing physical damage deductibles can save approximately $400 each year

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.