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 insurance costs around $250 each year, collision insurance costs $470, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,900 or more. Teen drivers receive the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,334

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why all drivers should compare rates for a specific zip code and risk profile, rather than using price averages.

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 choices and driver risks.

• The lowest rate with discounts is $769
• Drivers who choose higher $1,000 deductibles will pay about $164 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,334
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $318 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,900
• The cost for full coverage for a teenage driver can be $5,118 a year

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on your driver profile, the model of your Fusion, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,900 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $490 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% 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 Cheap Ford Fusion Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a brief summary of the information covered above.

• You may be able to save up to $160 per year just by quoting online in advance
• Youthful drivers pay higher rates, as much as $427 per month for full coverage
• Increasing deductibles can save around $475 each year
• Drivers that tend to have accidents or serious violations pay on average $1,570 more every year than a low-risk driver
• Consumers who may need more liability protection will pay about $500 per year to go from a minimum limit to 250/500 limits

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.