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 auto insurance rates for a Ford Fusion are $1,370 annually with full coverage. Comprehensive insurance costs an estimated $260, collision costs $500, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $2,978 or more. Teen drivers pay the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Price estimates broken down by individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Fusion models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The example below illustrates how location helps determine insurance prices.

The ranges above demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Rate Details

The chart below details estimated Ford Fusion insurance rates for other coverage scenarios.

• The lowest rate with discounts is $787
• Choosing higher $1,000 deductibles can save approximately $172 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,370
• Choosing pricier low deductibles for comp and collision coverage costs an additional $334 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,978 or more
• The price with full coverage for a teenage driver for full coverage can cost as much as $5,226 each year

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Auto insurance prices for a Ford Fusion are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,300 in extra premium each year, depending on your age. Ford Fusion insurance for high-risk drivers ranges around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $510 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

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 $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,850 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices may be quite 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

Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the information covered in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers are the costliest to insure, costing up to $436 a month if full coverage is included
• Increasing physical damage deductibles could save up to $500 each year
• Drivers that tend to have accidents or serious violations pay on average $1,610 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay about $500 every year to raise limits from a low limit to higher 250/500 limits

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.