1. States
  2. Georgia
  3. Insurance Quotes for a Ford Fusion

How Much are Insurance Quotes for a Ford Fusion in Georgia?

Enter your Georgia zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 11, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

When the topic is car insurance, the words “affordable” or “cheap” should never appear as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for a Ford Fusion can be extremely hard to find. Don’t let that spoil your day, because there may be ways you can quote car insurance that doesn’t cost an arm and a leg.

Finding affordable car insurance for a Ford Fusion in Georgia is contingent on things such as when you were born, the likelihood of your vehicle being stolen, and if you have a history of accidents. Drivers on average pay around $1,340 each year to insure their Fusion, but that policy rate is a ballpark figure calculated based on a 40-year-old single male who needs full coverage including both comprehensive and collision and $500 policy deductibles.

But there is a good chance that you aren’t exactly 40 years old or even a male, possibly married instead of single, or maybe you just want liability only. There is no “one size fits all” policy, so the only real way to find cheap auto insurance rates for your Ford is to comparison shop your policy at each renewal. In less than five minutes you will get price quotes from top-rated car insurance companies around.

Enter your zip code below to view companies that have cheap auto insurance rates.

Your Ford’s trim level will most likely have an effect on the cost of insurance, so the price you pay to insure a Fusion S 4-Dr Sedan model will be $230 less than the cost to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as demonstrated by the prices below.

Ford Fusion Insurance Rates in Georgia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $242 $476 $476 $28 $142 $1,364 $114
Fusion SE 4-Dr Sedan $274 $560 $476 $28 $142 $1,480 $123
Fusion Hybrid 4-Dr Sedan $274 $644 $596 $36 $178 $1,728 $144
Fusion SEL 4-Dr Sedan $274 $560 $476 $28 $142 $1,480 $123
Fusion Sport 4-Dr Sedan $274 $560 $476 $28 $142 $1,480 $123
Fusion SEL AWD 4-Dr Sedan $304 $644 $476 $28 $142 $1,594 $133
Fusion Sport AWD 4-Dr Sedan $304 $644 $476 $28 $142 $1,594 $133
Get Your Own Custom Quote Go

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Georgia which can decrease or increase insurance rates greatly.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Finding out which insurers offer the lowest-priced insurance rates for a Ford Fusion may require a bit more work in order to find the lowest price quote. Each auto insurance company has a proprietary method for determining rates, so we will examine the most competitive insurance companies in Georgia.

Enter your zip code below to view companies that have cheap auto insurance rates.

Georgia car insurance ranked by cost per year
Rank Company Cost Per Year
1 Auto-Owners $864
2 The Hartford $922
3 USAA $968
4 Central Mutual $1,193
5 MetLife $1,276
6 Georgia Farm Bureau $1,299
7 Travelers $1,318
8 Mercury $1,369
9 Country $1,391
10 Safeco $1,397
11 State Farm $1,446
12 Allied $1,467
13 California Casualty $1,561
14 Encompass $1,689
15 Progressive $1,721
16 Nationwide $1,827
17 Liberty Mutual $2,004
18 GEICO $2,143
19 Allstate $2,202
20 Victoria $2,509
Get a Custom Quote Go

Auto-Owners offers some of the lowest car insurance rates in Georgia at around $864 a year. The Hartford, USAA, Central Mutual, and MetLife also are some of the cheaper Georgia car insurance companies.

In this example, if you are insured with The Hartford and switched to Auto-Owners, you could earn an annual savings of about $58. Drivers with USAA could save as much as $104 a year, and Central Mutual policyholders might lower prices by $329 a year.

To see how much you can save, click here to get a free quote or visit several of the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

These policy prices are averages across all insureds and vehicles and do not factor in a specific rate value for a Ford Fusion. So the insurer that can offer you the lowest price may not even be shown in the above rate chart. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

Get discounts on Georgia auto insurance

Discounts on insurance for a Ford FusionInsurers that sell cheap insurance for a Ford Fusion in Georgia may also give you discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. A list of insurance companies and their offered discounts are detailed below.

Auto Insurance Discounts by Company
Discount Progressive Allstate Geico State Farm Farmers Liberty Mutual Nationwide
Multi-policy Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes No Yes No
Passive restraint No Yes Yes Yes Yes Yes Yes
Newer vehicle No Yes No Yes Yes No Yes
Safe driver Yes Yes Yes Yes Yes No Yes
Defensive driving course Yes Yes Yes Yes Yes No Yes
Low mileage Yes Yes No Yes No Yes Yes
Military Yes No Yes Yes Yes No No
Professional affiliation No No Yes No Yes Yes Yes
Paid in full Yes Yes Yes No Yes Yes Yes
Automatic payment Yes Yes Yes No Yes Yes Yes
Customer loyalty Yes No No Yes Yes No Yes
Early signing No Yes No No Yes No Yes
Smart student Yes Yes Yes Yes Yes Yes Yes
Distant student Yes Yes No Yes Yes Yes Yes
Homeowner Yes No No No Yes No No
Seat belt use No No Yes No No No No
Quote online Yes No No No No No No
Get Quotes Go

The diagram below visualizes the comparison of annual premium costs with and without some available policy discounts. The premium estimates are based on a male driver, no accidents or driving violations, Georgia state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, marriage, defensive driving course, accident-free, and passive restraint discounts applied. When these discounts are applied, the average savings per year on insurance for a Ford Fusion is 38% or $495.

The example below illustrates how your deductible choice can influence annual premium costs when getting quotes for cheap insurance for a Ford Fusion. The data is based on a single male driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could pocket $516 a year by increasing from a $100 deductible to a $500 deductible, or save $776 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save up to $1,708 annually just by choosing larger deductibles.

When using a larger deductible, it is essential to have enough savings to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

How to find cheap insurance for a Ford Fusion in Georgia

It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help drivers find the cheapest auto insurance.

  • Avoid accidents
  • Save money by insuring older vehicles for liability only
  • Higher credit ratings may save you money
  • Buy safe vehicles
  • Higher deductibles mean lower rates
  • Do not get traffic violations
  • Ensure you have the best deal by shopping around regularly

The last idea is very significant, as was stressed in the prior information. Prices charged by auto insurers fluctuate constantly, so don’t be hesitant to switch companies if you find a cheaper price.

Having brand loyalty is commendable, but it’s not a great idea if that devotion results in you overpaying a small fortune year after year. Now is a great time to compare prices to find cheaper auto insurance for a Ford Fusion.

Cheapest Ford Fusion insurance quotes

Thanks to technology, there are a lot of ways to get affordable insurance quotes in Georgia, but the most popular ways are through an independent or non-exclusive agent, an exlusive agent like Allstate or Auto-Owners, or buying direct from a company like Geico or Progressive.

You can use whichever you prefer, but it’s good to know the differences in how they provide rate quotes.

Independent agencies have contracts with multiple insurance companies and can compare coverage rates with every one. Independent agents are not required to write business for one company and can give you a larger rate selection, which may give you a better comparison. If prices rise, they can switch companies in-house and that require little work on your part.

A captive or exclusive agent is able to place business with a single company, two examples being a State Farm or Liberty Mutual agent. Exclusive agents generally are unable to give you multiple price quotes, so it’s a good idea to get additional price quotes.

Drivers who opt to buy insurance direct do not use an exlusive or independent agent and instead buy direct online or over the phone from a company like Geico or Progressive. Shopping for insurance direct may be good for drivers who do not need high amounts of coverage and know more than average about the limitations of insurance.

Which method works best to buy cheap insurance for a Ford Fusion in Georgia? Most people assume that shopping direct results in the cheapest price since there is no middleman, but that is not always the case. It could also be said buying from an independent agent is the best way to save since they have more companies to choose from, but again, that’s not accurate. And often times, the exclusive agents have very competitive rates well below independent agents AND direct companies.

Due to the large number of rating factors, really the only way to ensure you are not overpaying for insurance is to obtain price quotes and compare them. It’s recommended that drivers get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of insurance companies with low rates, click here to view.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles