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 insurance prices for a Ford Fusion are $1,334 every 12 months for full coverage. Comprehensive insurance costs approximately $250 a year, collision costs $470, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $2,900 or more. Teens pay the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Fusion trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below shows estimated Ford Fusion insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $769
• Using higher $1,000 deductibles will save $1,170 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,334
• Selecting low $100 deductibles for physical damage coverage costs an extra $318 annually
• High-risk insureds with serious driving violations could pay around $2,900 or more
• The price to insure a 16-year-old driver can cost $5,118 or more

View Chart as Image

Auto insurance prices for a Ford Fusion are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Fusion.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $490 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 134% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,900 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Each insurance company calculates prices differently, and quoted prices may be quite different.

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 Shop for the Best Ford Fusion Insurance

Getting lower rates on insurance for a Ford Fusion requires being a good driver, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief recap of the material that was covered above.

• Insureds who purchase an increased level of liability coverage will pay approximately $500 each year to increase from a low limit to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, with premiums as much as $427 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,570 more per year than a safer driver
• Increasing physical damage deductibles could save as much as $475 each year

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.