Ford Fusion SE 4-Dr Sedan Insurance Rates
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Average insurance rates for a Ford Fusion SE 4-Dr Sedan are $1,420 a year for full coverage. Comprehensive costs approximately $326 a year, collision insurance costs $572, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $3,060. Teenage drivers receive the highest rates at up to $5,194 a year.
Annual premium for full coverage: $1,420
Rate estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Ford Fusion Trim Level
Using a 40-year-old driver as an example, prices range from as low as $430 for just the minimum liability insurance to a high of $3,060 for a policy for a high-risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
These differences show why it is important for drivers to compare rates using their specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Ford Fusion SE 4-Dr Sedan Insurance
Car insurance rates for a Ford Fusion SE 4-Dr Sedan can also vary considerably based on your driver profile, the model year of your Fusion, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
Where you live makes a big difference in Ford Fusion SE 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.
Using high physical damage deductibles could save up to $600 each year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.
Chart shows Ford Fusion SE 4-Dr Sedan insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $818. Drivers who use higher $1,000 deductibles will pay around $1,216. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,420. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $1,816. Drivers with multiple violations and accidents could be charged as much as $3,060. The cost for full coverage insurance for a teenager is $5,194.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$106|
|5-yr Claim Free||$91|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.