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 rates for a Ford Fusion are $1,370 a year for full coverage. Comprehensive costs around $260, collision costs $500, and liability insurance is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing around $2,978. Teens receive the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

The chart below shows estimated Ford Fusion insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $787
• Raising to $1,000 deductibles will save about $172 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,370
• Selecting more expensive low deductibles bumps up the cost to $1,704
• Higher-risk drivers with serious driving violations could pay at least $2,978 or more
• The cost that insures a teen driver with full coverage can be $5,226

View Chart as Image

Auto insurance rates for a Ford Fusion can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Where you live also has a big influence on Ford Fusion insurance rates. A middle-age driver might find rates as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, 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 Find Low Cost Ford Fusion Insurance

Saving money on Ford Fusion insurance consists of being a good driver, maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a review of the material that was touched on above.

• Drivers who may need an increased level of liability coverage will pay approximately $500 each year to raise from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, costing as high as $436 per month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations pay on average $1,610 more every year than a safer driver
• Increasing 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.