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?”

Average insurance prices for a Ford Fusion are $1,334 every 12 months for full coverage insurance. Comprehensive costs approximately $250, collision costs $470, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $2,900. Teen drivers receive the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why everyone should get quotes using their specific location and their own driving history, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $769
• Choosing higher $1,000 deductibles can save $164 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,334
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,652
• Drivers with multiple violations and an at-fault accident could pay around $2,900 or more
• The cost to insure a teenage driver for full coverage can cost $5,118 each year

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Auto insurance rates for a Ford Fusion can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Fusion.

Choosing high deductibles can save as much as $490 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Ford Fusion insurance for high-risk drivers ranges around 43% to 134% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,800 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates can be significantly 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 Shop for the Right Ford Fusion Insurance

Saving money on auto insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a quick rundown of the car insurance concepts covered above.

• Drivers with reckless driving or DUI convictions may have to pay on average $1,570 more per year to insure their Fusion
• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $475 each year
• Consumers who purchase more liability coverage will pay about $500 annually to raise limits from a minimum limit to a 250/500 level

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.