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 costs approximately $260, collision insurance costs $500, and liability insurance costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $2,978. 16-year-old drivers receive the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Includes $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples show why anyone shopping for car insurance should compare prices using their specific location, rather than relying on rate averages.

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

More Rate Information

The chart below shows average Ford Fusion insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $787
• Using higher $1,000 deductibles will save $172 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,370
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,704
• Drivers with multiple tickets or accidents could pay around $2,978
• The cost that insures a teen driver with full coverage can cost $5,226 or more

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,950 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each 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 the Cheapest Ford Fusion Insurance

Saving money on Ford Fusion insurance requires having a good driving record, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Comparison shop at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a recap of the car insurance concepts raised in the charts and tables above.

• High-risk drivers that have major violations or accidents could be forced to pay on average $1,610 more per year to buy Ford Fusion insurance
• Drivers can save around $170 per year just by shopping early and online
• Increasing deductibles can save approximately $500 each year
• Drivers who purchase increased levels of liability coverage will pay around $500 each year to increase from a minimum limit to the 250/500 level

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.