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 $1,334 a year for full coverage. Comprehensive insurance costs around $250 each year, collision costs $470, and liability coverage is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $2,900 or more. Teens pay the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Fusion models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $769
• Raising to $1,000 deductibles will save about $164 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,334
• Selecting low deductibles will cost an extra $318 each year
• Unlucky drivers with serious driving violations could pay at least $2,900 or more
• The price for full coverage for a teenage driver can be $5,118

View Chart as Image

Auto insurance prices for a Ford Fusion are also quite variable based on your driving record, the trim level of your Fusion, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

The state you live in also has a big influence on Ford Fusion insurance rates. A middle-age driver might find prices as low as $880 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,900 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $490 a year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 134% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite 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 Cheapest Ford Fusion Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a recap of the material that was covered above.

• Consumers who may need higher liability limits will pay approximately $500 each year to raise from a low limit to 250/500 limits
• Teenagers are expensive to insure, with premiums as much as $427 a month if they have full coverage
• Drivers that have major violations or accidents may be required to pay an average of $1,570 more every year for car insurance
• Increasing physical damage deductibles can save around $475 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.