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?”

The average insurance rates for a Ford Fusion are $1,280 a year for full coverage. Comprehensive insurance costs an estimated $240, collision insurance costs $422, and liability coverage is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,772 or more. Teens cost the most to insure at up to $4,934 a year.

Average premium for full coverage: $1,280

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area 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 average Ford Fusion insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $744
• Raising to $1,000 deductibles will save approximately $152 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,280
• Selecting more expensive low deductibles will cost an extra $290 each year
• Unlucky drivers with serious driving violations could pay up to $2,772
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,934

View Chart as Image

Insurance rates for a Ford Fusion also range considerably based on your risk profile, the trim level of your Fusion, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state also has a big influence on Ford Fusion insurance rates. A middle-age driver might find rates as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $450 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Affordable Ford Fusion Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the concepts that were covered in the above illustrations.

• Drivers with DUI or reckless driving convictions pay an average of $1,490 more annually for auto insurance
• Teenage drivers are expensive to insure, costing up to $411 each month including comprehensive and collision insurance
• Drivers can save approximately $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers can save approximately $150 per year just by shopping early and online

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.