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 auto insurance rates for a Ford Fusion are $1,334 annually for full coverage insurance. Comprehensive costs an estimated $250 a year, collision insurance costs $470, and liability coverage costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs around $2,900. 16-year-old drivers pay the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,334

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have fewer physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $769
• Drivers who choose higher $1,000 deductibles will pay approximately $1,170 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,334
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,652
• High-risk insureds with multiple tickets or accidents could pay up to $2,900
• The price with full coverage for a teenage driver can cost as much as $5,118 a year

View Chart as Image

Insurance prices for a Ford Fusion are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $490 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford Fusion insurance rates. A 40-year-old driver could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,800 on average in Florida, New York, and Michigan.

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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 Buy Affordable Ford Fusion Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was covered above.

• It is possible to save approximately $160 per year just by quoting early and online
• Consumers who want more liability protection will pay around $500 annually to go from a low limit to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $427 a month if they have full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,570 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.