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?”

U.S. average insurance rates for a Ford Fusion are $1,370 a year including full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $500, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing $2,978 or more. Teen drivers pay the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Price estimates broken down by individual coverage:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Fusion models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area and risk profile, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $787
• Using higher $1,000 deductibles will save approximately $172 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,370
• Choosing low deductibles for physical damage coverage will cost an extra $334 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,978 or more
• The price for full coverage for a teenage driver can cost as much as $5,226 or more

View Chart as Image

Insurance prices for a Ford Fusion are also quite variable based on your driving record, the model of your Fusion, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age

The state you live in has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see prices 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 could cut prices by as much as $510 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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 Cheapest Ford Fusion Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Drivers that have major violations or accidents may pay on average $1,610 more annually for auto insurance
• Increasing physical damage deductibles can save around $500 each year
• Teenage drivers are charged the highest prices, possibly costing $436 a month for full coverage

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.