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 $1,370 a year for full coverage insurance. Comprehensive costs around $260, collision costs $500, and liability insurance is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers costing around $2,978. 16-year-old drivers pay the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Price estimates for individual coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Fusion models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance rates.

The ranges above illustrate why everyone should get quotes for a specific zip code, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $787
• Choosing higher $1,000 deductibles can save about $172 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,370
• Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,704
• High-risk insureds with multiple tickets or accidents could pay at least $2,978 or more
• The price that insures a teen driver for full coverage can be $5,226 each year

View Chart as Image

Insurance prices for a Ford Fusion are also quite variable based on the model of your Fusion, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,300 extra each year, depending on your age. Ford Fusion insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices may be quite different.

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 More Affordable Ford Fusion Insurance

Getting lower rates on Ford Fusion insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Comparison shop every couple of years by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a summary of the material that was covered in the above illustrations.

• Drivers who may need higher liability limits will pay around $500 annually to raise limits from a low limit to the 250/500 level
• Teens pay higher prices, as much as $436 a month if full coverage is included
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,610 more every year for Fusion insurance
• Increasing physical damage deductibles can save approximately $500 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.