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?”

Average insurance rates for a Ford Fusion are $1,370 a year including full coverage. Comprehensive costs around $260 each year, collision costs $500, and liability costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing around $2,978. Teenage drivers receive the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $787
• Using higher $1,000 deductibles will save about $172 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,370
• Using low deductibles for physical damage coverage will increase the cost to $1,704
• Drivers who are prone to accidents and violations could pay at least $2,978 or more
• The cost for full coverage for a teen driver can be $5,226 or more

View Chart as Image

Auto insurance rates for a Ford Fusion can also vary considerably based on your driver profile, the model of your Fusion, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

Where you live has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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 Find the Best Ford Fusion Insurance

Saving money on car insurance requires having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a brief recap of the data that was presented in the illustrations above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Policyholders who may need additional liability coverage will pay an extra $500 per year to increase from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, as much as $436 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,610 more every year than a driver with a clean driving record

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.