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 for full coverage. Comprehensive insurance costs around $260, collision insurance costs $500, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs $2,978 or more. Teens receive the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why everyone should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $787
• Drivers who choose higher $1,000 deductibles will pay about $172 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,370
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $334 annually
• Drivers with serious driving violations could pay at least $2,978
• The cost that insures a 16-year-old driver for full coverage can be $5,226 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. Ford Fusion insurance for high-risk drivers can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

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 Cheap Ford Fusion Insurance

Saving money on insurance for a Ford Fusion not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare rates every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the ideas that were covered above.

• Teens are expensive to insure, costing as high as $436 per month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,610 more every year for Fusion insurance
• Increasing deductibles can save approximately $500 each year
• Drivers can save up to $170 per year just by quoting online well ahead of the renewal date

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.