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 $1,370 a year with full coverage. Comprehensive insurance costs approximately $260, collision costs $500, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,978 or more. Teenage drivers cost the most to insure at $5,226 a year or more.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

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

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $787
• Using higher $1,000 deductibles will save $172 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,370
• Using more expensive low deductibles for physical damage coverage will cost an additional $334 a year
• Drivers who are prone to accidents and violations could pay around $2,978 or more
• Policy cost that insures a teen driver with full coverage can cost $5,226 or more

View Chart as Image

Car insurance rates for a Ford Fusion also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

Using 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. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Right Ford Fusion Insurance

Finding cheaper rates on Ford Fusion insurance requires being safe and accident-free, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices every couple of years by getting rate quotes from direct companies, and also from local insurance agencies.

Below you'll find a quick rundown of the material that was touched on in this article.

• Drivers who purchase more liability protection will pay an extra $500 every year to increase from a 30/60 limit to the 250/500 level
• Youthful drivers pay the highest auto insurance rates, as much as $436 each month if full coverage is purchased
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,610 more per year than a low-risk driver
• Increasing comprehensive and collision 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.