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 auto insurance rates for a Ford Fusion are $1,334 annually including full coverage. Comprehensive costs on average $250 each year, collision insurance costs $470, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs around $2,900. Teenage drivers pay the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,334

Price estimates by individual coverage:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Fusion models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.

The ranges above highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below breaks down average Ford Fusion insurance rates for different risk profiles and scenarios.

• The best discount rate is $769
• Using higher $1,000 deductibles will save around $164 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,334
• Using low deductibles for physical damage coverage will cost $1,652
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,900
• The price with full coverage for a teenage driver may cost $5,118 or more

View Chart as Image

Insurance prices for a Ford Fusion are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $490 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see prices as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,900 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 Buy the Best Ford Fusion Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop every other policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief recap of the ideas that were touched on in the above illustrations.

• Teens pay higher prices, possibly costing $427 a month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,570 more each year for Fusion insurance
• Increasing physical damage deductibles could save up to $475 each year
• You may be able to save as much as $160 per year just by quoting online in advance

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.