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?”

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

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all Fusion models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.

The example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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

More Rate Information

The chart below breaks down estimated Ford Fusion insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $787
• Choosing higher $1,000 deductibles can save $172 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,370
• Buying pricier low deductibles for comp and collision coverage will cost $1,704
• High-risk insureds with multiple tickets or accidents could pay around $2,978 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,226 each year

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Auto insurance prices for a Ford Fusion also have a wide range based on the model of your Fusion, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,300 in extra premium annually, 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

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

Where you choose to live plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different between companies.

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 Buy Cheap Ford Fusion Insurance

Finding better rates on Ford Fusion insurance takes avoiding accidents and claims, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a brief summary of the material that was touched on in this article.

• Drivers who purchase increased liability limits will pay around $500 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers under the age of 20 have the highest car insurance prices, with the cost nearing $436 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,610 more per year to insure a Ford Fusion
• Increasing policy deductibles could save up to $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.