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 including full coverage. Comprehensive costs an estimated $260 a year, collision insurance costs $500, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $2,978. Teen 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:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and risk profile, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $787
• Choosing higher $1,000 deductibles can save approximately $1,198 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,370
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,704
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,978
• Policy cost for full coverage for a teen driver can cost as much as $5,226 each year

View Chart as Image

Insurance rates for a Ford Fusion also range considerably based on your risk profile, the model of your Fusion, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $510 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than average. 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 the Right Ford Fusion Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the data that was covered in the above illustrations.

• You may be able to save approximately $170 per year just by quoting early and online
• Policyholders who want more liability protection will pay about $500 per year to raise limits from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, with premiums being up to $436 each month for full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,610 more annually than a low-risk driver

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.