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?”

The average insurance prices for a Ford Fusion are $1,230 every 12 months for full coverage insurance. Comprehensive costs an estimated $224, collision costs $388, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,666. Teens cost the most to insure at $4,778 a year or more.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $719
• Choosing higher $1,000 deductibles can save approximately $140 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,230
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,498
• Unlucky drivers with serious driving violations could pay up to $2,666 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $4,778 each year

View Chart as Image

Auto insurance rates for a Ford Fusion also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $410 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates will be varied.

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 Shop for the Best Cheap Ford Fusion Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a quick review of the concepts that were touched on above.

• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,440 more annually to insure their Fusion
• Teen drivers are the costliest to insure, possibly costing $398 each month if comprehensive and collision insurance is included
• It is possible to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• It is possible to save approximately $150 per year simply by shopping early and online

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.