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 costs an estimated $260, collision insurance costs $500, and liability costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $2,978. 16-year-old drivers cost the most to insure at up to $5,226 a year.

Average premium for full coverage: $1,370

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical 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 can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $787
• Using higher $1,000 deductibles will save approximately $172 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,370
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,704
• Drivers with multiple tickets or accidents could pay up to $2,978
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,226 or more

View Chart as Image

Car insurance rates for a Ford Fusion also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,200 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

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 Cheap Ford Fusion Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief summary of the material that was covered in the charts and tables above.

• Policyholders who want more liability protection will pay around $500 every year to increase from a 30/60 limit to 250/500 limits
• Youthful drivers have the highest car insurance rates, as much as $436 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,610 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $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.