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?”

Estimated insurance rates for a Ford Fusion are $1,230 a year for full coverage. Comprehensive costs around $224, collision costs $388, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,666. Teens pay the most at $4,778 a year or more.

Average premium for full coverage: $1,230

Premium estimates for type of coverage:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated Ford Fusion insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $719
• Using higher $1,000 deductibles will save about $140 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,230
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,498
• Drivers with serious driving violations could pay at least $2,666 or more
• An auto insurance policy that insures a teen driver with full coverage can be $4,778 or more

View Chart as Image

Auto insurance prices for a Ford Fusion also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see prices as low as $810 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $410 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to compare prices and see which company has the best price. Each insurance company calculates prices differently, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Affordable Ford Fusion Insurance

Finding better rates on car insurance requires having a good driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The next list is a brief review of the data that was raised in the charts and tables above.

• Drivers can save up to $150 per year simply by shopping early and online
• Policyholders who may need increased levels of liability coverage will pay approximately $510 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $398 per month if the policy includes full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,440 more every year to buy Ford Fusion insurance

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.