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 $1,334 a year including full coverage. Comprehensive costs approximately $250, collision insurance costs $470, and liability is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $2,900. Teens receive the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,334

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.

These examples highlight why everyone should get quotes using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down average Ford Fusion insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $769
• Choosing higher $1,000 deductibles can save $164 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,334
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,652
• Unlucky drivers with serious driving violations could pay around $2,900
• The cost for full coverage for a teen driver for full coverage can cost $5,118 each year

View Chart as Image

Auto insurance rates for a Ford Fusion can also vary considerably based on your driver profile, the model of your Fusion, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,900 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $490 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Ford Fusion insurance for high-risk drivers ranges as much as 43% to 134% more than the average policy. 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

Saving money on car insurance takes avoiding accidents and violations, having good credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a quick rundown of the data covered in the charts and tables above.

• Policyholders who purchase higher liability limits will pay approximately $500 per year to raise limits from a minimum limit to 250/500 limits
• You may be able to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $475 each year
• Teenagers have the highest car insurance rates, as much as $427 per month if they have 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.